PenSam Insurance

As a member of FOA you are covered by FOA accident insurance in case of accidents occurring in your leisure time leaving you with a level of permanent injury of at least 8%.

You are not covered against accidents if you are only a member of the unemployment insurance fund. You are not covered if you are injured while at work. This will be covered by your employer.
FOA accident insurance does not cover dental damage and e.g. chiropractic therapy, physiotherapy or psychological therapy. FOA accident insurance does not cover damage to glasses, personal items and clothing. Damage to personal items may be covered by your personal home contents insurance. 

The FOA accident insurance premium is DKK 65 annually, i.e. DKK 5.42 monthly. FOA pays the insurance premium, but you are liable to pay tax on the premium. This means that we will report the DKK 65 to the Danish tax authorities as B income (income not taxable at source).

The insurance sum payable to you will be maximum DKK 100,000. Please contact us if you have any questions about damages. 

It expires forty-five days following your 65th birthday or when you terminate your membership of FOA.

As a member of FOA, you are automatically covered by group life insurance with a death cover of up to DKK 325,000 and a group sum of DKK 100,000 in the event of critical illness.

Because some 50% of its members did not have accident insurance cover in their leisure time and were therefore not insured against accidents.