It is ALWAYS your OWN RESPONSIBILITY to make sure that you have sufficient insurance coverage during your internship.
Within EU
When your internship is within EU you need to have (order) the ’The European Health Insurance Card’ (Det blå EU-sygesikringskort). ’The European Health Insurance Card’ can be obtained from borger.dk. EU students need to check with their home country authorities. NON-EU students need to purchase a travel and health insurance. In all cases, we do recommend to obtain additional insurance to cover private accident and liability as well as repatriation in case of accident/hospitalisation.
Outside EU
Outside EU neither your yellow card nor the ’The European Health Insurance Card’ will provide coverage. It is IMPORTANT that you as a minimum take out insurance coverage to health/illness including private accident and liability as well as repatriation in case of accident/hospitalisation
Depending on your status (EU/NON-EU) and citizenship, different conditions will apply. Check always with your own insurance company if you are able to take out the required insurance as an add-on. In most cases that would be the cheapest solution. Besides, there are many insurance companies offering above type of insurance – check prices and compare coverage.
Industrial accident and industrial liability insurance during your internship
In Denmark national legislation state that interns must be covered by the host company/organisation towards industrial accident and industrial liability. Outside Denmark this is not always a norm why it is of outmost importance for you to make sure if you are covered by the host company/organisation or not.
Industrial accident insurance covers in case you experience an accident during workhours of your internship. Industrial liability insurance covers if your actions cause accidents for other persons or things/stuff belonging to somebody else (e.g. you delete the customer database).
The Erasmus+ programme has developed a policy towards industrial accident and –liability, which we recommend our students to follow. Specifically for Erasmus+ interns the policy is mandatory and insurance coverage must be documented (take out) prior to departure.
1 The intern is covered by the host company/organisation industrial accident and –liability insurance
Most companies would have an industrial accident and -liability insurance coverage offered to all other employee categories employed by the company/organisation. If you as an intern also are covered (can be included) the company need to confirm and certify that in the “Erasmus+ Training Agreement” which needs to be joined prior to your internship. The company representative must certify in the training agreement and sign to confirm coverage.
2 The intern can NOT be covered by the host company/ organisation insurances towards industrial accident and –liability insurance.
In such case, it is your OWN responsibility as an intern to take out insurance coverage towards industrial accident and -liability insurance coverage. Under the Erasmus+ programme it is mandatory to take out and you must be able to document the insurance coverage needed.
The Danish National Erasmus+ Agency has according to the Erasmus+ policy on insurance developed a set requirements that are recommend to be meet by an insurance taken out. Among others coverage and minimum coverage are specified in the so-called Standard Clause 1.0.
On one hand our past experience show that it can be difficult to find an insurance that will meet the minimum requirements. On the other we are not able to offer the service to read (often in other languages) and insurance policy to check if requirements are meet why we have decided to follow below procedure:.
Either you take out the insurance we refer you to. We have already checked that you are offered the required coverage by that insurance/agency.
However, you are of course very welcome to take out a similar insurance from another agency. In that case it will be your responsibility to make sure that the insurance provider document and certify (in English) that the insurance taken out meet the requirements stipulated in “Standard Clause 1.0” and the minimum insurance coverage. The provider document this by joining an insurance certification (by stamp and signature).
You find the Standard Clause and Draft Insurance Certificate downloadable in Danish and English on this site.
If your own provider will not sign and certify the insurance certification we cannot accept is your documentation that insurance has been taken out.
In such case we would refer you to the insurance mentioned above offered by a German insurance provider; Dr. Walter; www.dr-walter.com (and their insurance products: Pro Trip World + Pro Trip World H).