Children’s insurance

• Cancer
• Benign tumours in the brain/spinal cord
• Diabetes (insulin-dependent diabetes mellitus)
• Multiple Sclerosis
• Arthritis
• Crohn’s disease
• Ulcerative colitis
• Cystic fibrosis
• Kidney failure
• Organ transplantation
• Serious brain damage
• Amputation
• Serious burn injury

In the event of long-term, private care and supervision, you or your child may have the right to an assistance allowance from NAV (the Norwegian Labour and Welfare Administration). This is when it is a result of permanent injury, illness or functional impairment.

Assistance allowance can provide supervision and care, as well as help with personal tasks.

With children’s insurance, you or your child get additional financial help when NAV has granted assistance allowance.

The size of the settlement payment from the insurance policy depends on which level of support is received from the government.

An accident can result in the child being injured for the rest of their life.

Children’s insurance provides compensation for a permanent injury, the so-called degree of disability, and will compensate for lost quality of life as a result of functional impairment. The disbursement made will reflect how serious the injury is.

When the child turns 26, a separate accident insurance is set up for the insured party.

For hospital admissions of more than 14 consecutive days as a result of illness or injury, unemployment benefit is paid.

Disbursements begin from the first day in hospital, for up to one year.

Children’s insurance covers necessary expenses as a result of accidental injury, unless the costs are covered from elsewhere.

Covered expenses can include

• treatment costs given or prescribed by a doctor
• treatment costs for dental damage
• travel expenses

Settlement payments only apply for expenses that arise within 5 years after the accident occurred.

If the child gets an illness or sustains an injury that requires the home to be adapted or the use of technical aids, the children’s insurance can help solve this if the expenses are not covered elsewhere.

Adaptation of the home and grants for aids must be suitable for reducing the daily disadvantages the functional impairment causes, and must contribute to creating the most normal possible life for the child.

Children’s insurance covers disbursements if the insured party dies and grants a payment exemption for the child’s insurance should the parent die, in accordance with the terms and conditions.

The children’s insurance can be extended to cover incapacity for work.

If your child becomes incapacitated for work, their ability to earn money is reduced. Support from NAV (the Norwegian Labour and Welfare Administration) is lower than a normal wage. To cover some of the income gap if your child becomes incapacitated for work, you can buy disability insurance. This will provide the child with a better financial situation as an adult.

You can choose disability pension or single payment permanent disability benefit. The disability pension gives monthly payments (0.5; 0.8 or 1G) up to a given age, while a single payment permanent disability benefit gives a one-off payment of 8G.

Many children with long-term illnesses feel isolated and think it’s a shame to lose contact with school and friends. With children’s insurance, your child can spend time with their friends from their sick bed via an AV1 robot.

How does the AV1 robot work?

AV1 is a small, personal robot that comes included in the children’s insurance. The robot attends the classroom and takes part in social situations, so the child doesn’t miss anything.

It works like an avatar and is the child’s eyes, ears and voice via an app on a tablet or mobile phone. In this way, the child can attend the lesson and communicate with the class and their friends wherever they may be.

Read more about AV1 robot

The medical helpline is a free service for people with children’s insurance.

Experienced nurses can answer any questions you have about your illness or health. If required, a nurse will refer you for a video consultation with a doctor or crisis psychologist. The service can be used by you, the insured party, your partner/cohabitant and children who live at home.

The service is provided by Dr.Dropin, and is available all year round, at any time of day or night.

Call the medical helpline on 21 02 55 77

The children’s insurance gives young people aged 16 years and older access to five free psychologist consultations per year. The child can use the consultation with the psychologist to talk about difficult thoughts, worry, stress or other things.

The service is provided by Dr.Dropin.