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Accident insurance

Accident insurance protects you financially in the event of accident.

Accident insurance
  • Compensation for permanent medical disability or death

  • Treatment by a doctor and dentist after accidental injury

  • Optional compensation sum up to NOK 3 million

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What is accident insurance?

Accident insurance pays for permanent medical disability in the event of an accident with a lump sum you choose. The compensation amount is also affected by the degree of disability. In addition, death is covered for beneficiaries with NOK 50 000, as is treatment by a doctor and dentist in the event of an accident with up to 5% of the insurance sum chosen.

Accidental injury

What exactly is accidental injury? Injury after an accident means bodily har caused by a sudden external and unforeseen event - an "accident". It is important to note that the terms and conditions specify the activities that are not covered because they pose a higher risk of injury, such as hang gliding, skydiving, martial arts and expeditions.

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Do you have any questions about accident insurance?

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Have you had an accident or injury?

You can easily report a a claim online.

Report a claim

How the accident insurance works

  • You can buy the insurance when you are between 16 and 70 years old, and it lasts until you have reached the age of 75.
  • You choose the sum insured yourself between NOK 100 000 and NOK 3 million.
  • When you order the insurance, you must fill in a legally required health declaration form.
  • The insurance pays out if a person suffers permanent medical disability as a result of an accident.
  • The insurance also covers treatment expenses up to 5% of the sum insured.
  • In addition, death as a result of an accident is covered with NOK 50 000 for beneficiaries.

What does medical disability mean?

The insurance pays out if a person suffers permanent medical disability as a result of an accident. A person who is medically disabled has sustained a permanent injury that limits normal bodily function, such as loss of sight, hearing or a body part.

Medical disability is graded from 1% to 100% according to public rates, and the degree of disability determines how much of the insurance sum is paid out in the event of an injury.

What does accident insurance cover?

What does the insurance cover?
  • Disbursement in the event of permanent medical disability.
  • Treatment expenses after accidental injury.
  • Disbursement in the event of death following an accident.
Are there any limits to the cover?
  • Insurance claims that the insured caused or exacerbated through gross negligence or intent.
  • Disease, infection and other special conditions.
  • Medical treatment or use of medicines.
  • Collaborative causes.
What are my obligations?

When purchasing insurance, you must provide accurate and complete answers to the company's questions. The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately.

Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible.

If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

What does the insurance not cover?

Accidental injury resulting from participating in high-risk activities is not covered.

This applies to the activities listed under what is not covered in the insurance terms.

The insurance does not cover injury caused by:

  • Mental disorders and behavioural disorders
  • Tooth damage as a result of eating
  • Poisoning
  • Fights or crimes
Where is the insurance valid?
  • Applies in the Nordic countries.
  • Applies to stays outside the Nordic countries for up to 12 months.
  • Applies to stays of more than 12 months outside the Nordic region when the insured person or their guardian:
    - works in the Foreign Service
    - is employed in a Norwegian company with operations abroad
    - is employed in a Norwegian-related organisation
    - is a student/au pair.
Terms and conditions (in Norwegian)
  • General terms and conditions personal insurance (PDF)
  • Terms and conditions accident insurance (PDF)
  • Product information IPID (PDF)

If you already have accident insurance with us, you need to log in to the online bank to check the terms and conditions that apply to you.

Long time since you bought accident insurance, and want the latest terms and conditions? Contact us about what’s new in our current insurance policy, and get help upgrading to the latest version.

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Best in test!

Our insurance company, Fremtind, is best in test for personal insurance according to Bytt.no, which updates results monthly based on experiences from the consumers themselves. We rank highest for customer service and claims settlements. See what else makes us best in test for insurance.

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Fremtind Forsikring

As a DNB customer, you get insurance supplied by Fremtind Forsikring – one of Norway’s largest insurance providers, with extensive experience. You are still a customer of DNB, and should contact us if you want to buy insurance, make changes, make a claim or have any questions.

To give you an offer, DNB will share your personal data with Fremtind. You can see how this is processed in Fremtind’s personal privacy statement.