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Travel insurance costs higher in the New Year

admin
January 7th, 2015


This article is more than 9 years old.

Costs higher, but coverage the same

Travelling in the new year could cost more for those who elect to purchase travel insurance.

Topdanmark, Tryg, Gouda and Europæiske report that they either have or are in the process of raising prices. Gouda has raised prices by 20 percent, while most Tryg customers are paying 300 kroner more. 

Alm Brand  and Codan are also considering price increases, according to Berlingske.

Costly colour change
The price increases are due to Danes now being required to use the EU Health Insurance Card when they travel, rather than the familiar yellow CPR health insurance card.

The EHIC does not offer exactly the same coverage as the CPR card, however, and residents may be forced to pay for a share of their health costs in the countries the EHIC covers: all 28 EU countries as well as Norway, Iceland, Lichtenstein and Switzerland.

The EHIC’s website states that the card is not an alternative to travel insurance and does not cover any private healthcare or costs such as a return flight to your home country or lost or stolen property,

It also does not cover the cost of travelling for the express purpose of obtaining medical treatment, and it does not guarantee free services as each country’s healthcare system is different.

“We have adapted our insurance so it provides the same coverage and the same service as before,”  Thomas Enna, the vice-president of Topdanmark, told Berlingske Business. “It is clear that it cost us more, so we have changed our insurance policies and our prices.”

READ MORE: CPR cards will no longer provide EU insurance coverage

According to the Finance Act 2014, the state will save about 80 million kroner on switching to more EU-based customers.


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Moreover, 21 percent of those surveyed admitted to medicating their kids with paracetamol, such as Panodil, before sending them to school.

The FOLA parents’ organisation is shocked by the findings.

“I think it is absolutely crazy. It simply cannot be that a child goes to school sick and plays with lots of other children. Then we are faced with the fact that they will infect the whole institution,” said FOLA chair Signe Nielsen.

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At Børnehuset there are fears that parents prefer to pack their kids off with a pill without informing teachers.

“We occasionally have children who that they have had a pill for breakfast,” said headteacher Susanne Bødker. “You might think that it is a Panodil more than a vitamin pill, if it is a child who has just been sick, for example.”

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Parents, when confronted, often cite pressure at work as a reason for not being able to stay at home with their children.

Many declare that they simply cannot take another day off, as they are afraid of being fired.

Allan Randrup Thomsen, a professor of virology at KU, has heavily criticised the parents’ actions, describing the current situation as a “vicious circle”.

“It promotes the spread of viruses, and it adds momentum to a cycle where parents are pressured by high levels of sick-leave. If they then choose to send the children to daycare while they are still recovering, they keep the epidemic going in daycares, and this in turn puts a greater burden on the parents.”