Children's insurance 2
Children’s insurance without a health examination that does not cover the consequences of accidents or illnesses that are known at the time of taking out the insurance.
Our customers get discounts on various security products
We are here whenever you need insurance.
Children’s insurance without a health examination that does not cover the consequences of accidents or illnesses that are known at the time of taking out the insurance.
Insurance can be complicated. To make things easier to understand, we have compiled all the key information about the insurance in an information document that can be viewed with the terms and conditions.
Pregnancy and parental protection is a cover to Vörður’s critical sickness insurance that supports expectant mothers and parents with financial protection and emotional support if serious events occur during pregnancy or childbirth.
Customers enjoy discounts and benefits on various products and services with Vörður’s partner companies. You can find the discounts under My Pages.
Viðskiptavinir Varðar fá 30% afslátt hjá Bílstólaleigunni, sem sérhæfir sig í leigu á traustum bílstólum fyrir börn á öllum aldri.
Viðskiptavinir Varðar fá 20% afslátt af öllum barnabílstólum hjá Fífu og 15% afslátt af Clippsafe öryggisvörum.
Viðskiptavinir Varðar fá 10% afslátt af öllum barnabílstólum í verslun Nine Kids.
Children’s Insurance is primarily disability insurance for children, but it also pays compensation to parents, which can be financially important if they need to take time off work for a shorter or longer period due to the child’s illness.
All children should have children’s insurance. Children can be insured from one month of age up to 18 years of age, and the insurance remains valid until the age of 26.
The insurance is valid in the Nordic countries. However, it remains valid for up to one year if the insured moves away from the Nordic countries.
The basic insured amount is ISK 8,000,000.
In most cases, municipal insurance only covers ambulance transport and initial treatment in the emergency department. It does not cover permanent consequences of accidents, disability caused by accidents or illness, and certainly not the youngest children who are still at home.
The annual premium for children’s insurance 2 is ISK 13,200, or ISK 1,100 per month.
Disability benefits due to permanent medical disability caused by an illness or an accident.
Benefits to the guardian due to a child's disability.
Benefits due to care if the insured is hospitalised and/or requires 24-hour care at home.
Illnesses that show symptoms within three months of the insurance taking effect.
Illnesses, accidents, physical ailments or mental retardation/developmental disorders, nor the consequences of such a condition, were symptoms of this manifestation evident before the insurance took effect.
Accidents or illnesses that are either directly or indirectly caused by worldwide pandemics.
Hemophilia
Developmental deviations (e.g. ADHD, attention deficit/hyperactivity disorder, autism, developmental delay, Asperger's syndrome, Tourette’s).
Epilepsy.
Diseases of the central nervous and muscular system (e.g. CP (cerebral palsy), muscular dystrophy).
Conductive and sensorineural hearing loss.
Congenital disability or chromosomal abnormality (e.g. Down syndrome and malformed internal organs).
Mental diseases.
Accidents that occur in any kind of driving sports, martial arts, mountaineering, rock climbing, abseiling, skin diving, kite flying, gliding and parachuting and/or sports that are comparable and related in nature.
Suicide or attempted suicide attributed to mental illness.
The insurance pays for psychological services if the insured suffers a trauma due to the death of a parent or guardian, physical assault or violence, including sexual violence, diagnoses of any of the diseases covered by this policy or bullying.
The insurance does not cover treatment if the child carried out or participated in an event that is considered punishable according to Icelandic law.
The insurance does not cover losses attributable to illnesses, accidents or traumas that occurred after the insurance lapsed or before it came into effect.
Psychological services for trauma that occurred before 01.01.21
Death benefits for the death of a child.
Suicide or attempted suicide attributed to mental illness.
The company will pay the insurance premium if the policyholder under the age of 65 dies during its effective term.
The insurance must have been valid for 24 months at the time of death.
Multiple sclerosis (MS).
Cancer.
Benign brain tumor
Diabetes (Diabetes mellitus 1).
Third degree burns.
Cystic fibrosis.
Juvenile rheumatoid arthritis.
Blindness.
AIDS due to an accidental injection or blood transfusion.
Any type of skin cancer.
All tumors that are histologically described as precursor symptoms or that show only early malignancies.
Cancer in situ, not invasive.
Cysts in the brain.
Granulomas in the brain.
Meningiomas.
Choromas.
Vascular malformations.
Illnesses that show symptoms within three months of the insurance taking effect.
Illnesses, accidents, physical ailments or mental retardation/developmental disorders, nor the consequences of such a condition, were symptoms of this manifestation evident before the insurance took effect.
Accidents or illnesses that are either directly or indirectly caused by worldwide pandemics.
Hemophilia.
Developmental deviations (e.g. ADHD, attention deficit/hyperactivity disorder, autism, developmental delay, Asperger's syndrome, Tourette’s).
Epilepsy.
Diseases of the central nervous and muscular system (e.g. CP (cerebral palsy), muscular dystrophy).
Conductive and sensorineural hearing loss.
Congenital disability or chromosomal abnormality (e.g. Down syndrome and malformed internal organs).
Suicide or attempted suicide attributed to mental illness.