Facts about YoungLiving

Transcription

1 Facts about YoungLiving Do you also find it difficult to navigate the insurance jungle? Would you prefer to have a personalised policy instead of having to spend hours trying to understand the content? FAK (11.14) Insurance for people aged 18 to 34 YoungLiving is designed specially for young people who want easy security without needing to know everything about insurance. We have made the difficult, important decisions for you. So you can spend your time doing what really interests you. YoungLiving consists of Base and More. YoungLiving Base A basic package that covers all the bases and contains the most important types of cover all young people need. YoungLiving Base insures you, your possessions, your liability and your travel. It helps you if your home is burgled and someone steals your flat screen TV or laptop. You are also covered if you are injured, and we help you if you injure others or damage their possessions. When you go abroad, our alarm centre makes sure you get the necessary assistance if you fall ill or other unforeseen events occur. YoungLiving More Gives you four optional packages that you can add to your basic package so that the whole policy is tailored specifically for you. It is up to you to decide whether you need one or more optional packages. It depends who you are. 1. More Stuff if your possessions are very important to you, for example your computer 2. More Travel if you live to travel 3. More Sport if you are really into your sport and your equipment 4. More Health if it is very important to you protect your health More benefits of YoungLiving When you buy YoungLiving, with or without optional packages, you get not only an insurance policy, but also some reassuring benefits, for example access to Tryg i Livet, a telephone hotline giving health and crisis advice at no extra charge, and money-saving benefits, for example discounts on car insurance. You can read more about the additional benefits on pages 3-5. Who can buy YoungLiving? YoungLiving is available for young people aged 18 to 32 who do not own a house nor a holiday home. It is for people who live single or share their home with a partner or flatmate. You may keep your YoungLiving insurance right until the first annual due date after you turn 34. Tryg Klausdalsbrovej 601 DK-2750 Ballerup Tryg Forsikring A/S CVR no /6 Fakta om YoungLiving

2 Children This shows you how your children are covered by YoungLiving. YoungLiving Base More Stuff More Travel More Sport More Health Are children covered? yes, accident, but only until the child turns 3 yes, automatically yes, automatically When your child turns 3, you should therefore buy a child accident policy that provides cover for permanent injury and dental injury. Your possessions If your possessions are damaged in a fire or suffer water damage, or if someone steals them, we pay you compensation so that you can buy equivalent items and move on. If your home needs renovation after being damaged, we also organise alternative accommodation during the work. Your possessions (for example furniture, clothes, books and mobile) are covered for up to DKK 566,348 (2015). In the event of claim for your possessions, you pay an excess of DKK 1,900 (not index-linked). You pay no excess if your bike is stolen. Bikes are covered for up to DKK 5,664 (2015). Your travel If, through no fault of your own, you arrive at the airport too late, or something happens on your trip, you can get help 24 hours a day by calling our alarm centre. In areas not covered by public travel health insurance, we pay your medical and hospital expenses. We cover transport home for you worldwide. If your destination suddenly suffers a natural disaster or acts of terrorism, we make sure you are evacuated. If your airline goes bankrupt and you are stranded at your destination, we arrange and pay for your travel home if you cannot obtain help from Rejsegarantifonden (the travel guarantee fund). The insurance provides cover for holiday travel and study stays of up to 60 days worldwide (including Denmark). Your liability Sometimes things don't turn out the way we want them to. Anyone can damage another person's property or need legal assistance, for example if someone makes an unjustified claim against them. In such situations, it is easy to feel at a loss. no yes, but only until the child turns 3 You can obtain cover for legal assistance if you are at dispute with someone, for example your landlord. If you are ordered to make a payment, for example because you have struck a pedestrian with your bike, we handle contact with the claimant and pay compensation from your liability cover. You You are the most important asset in your life. So we cover you 24 hours a day at work and in your leisure time. If you have an accident that is covered by the insurance and suffer permanent consequences, you have a sum insured of up to DKK 566,348 (2015). You also receive a refund for your dentist's bill if you fall and damage your teeth, for example. And if you break an arm or a leg in an accident that is covered by the insurance, you immediately receive DKK 5,664 (2015) to make your everyday life a little easier. This gives you the money to take a taxi if you cannot cycle to work or a lecture what we call a No-Go. You receive compensation for the consequences of an accident if the permanent injury is at least 8%. Minor accidents below 8% permanent injury are not covered by YoungLiving Base, but you suffer a very serious injury and your degree of permanent injury is 30% or more, we pay double compensation. YoungLiving does not pay compensation for death. If you need to insure your spouse/partner or your children, we recommend that you buy Customer Group Life. See page 5. YoungLiving More More Stuff If your possessions are very important to you, for example your laptop, it is a good idea to add More Stuff. This optional package gives you additional cover if anything happens to your possessions. The excess is low. Instead of paying the first DKK 1,900 of each claim for your possessions or theft, you pay an excess of only DKK 900. If your electrical appliances develop functional faults, the replacement price is paid for up to 4 years, i.e. after the shop warranty has expired. The replacement price is paid for sudden accidents for up to 4 years, even if you caused the damage, for example if you tear a hole in your expensive new leather jacket. Glass and sanitary ware in your home are covered (with no excess), so you will have no trouble with your landlord if you break the washbasin. Access to up to 10 GB automatic online backup of your computer. You choose which folders and files to back up. This online backup allows you to recreate your digital life if your computer crashes or is stolen. The backup service is provided by Keepit. Need unlimited storage? Or do you have two computers? Read more about unlimited Tryg Backup incl. 2 licences for a very attractive price on page 4. 2/6 Fakta om YoungLiving

3 More Travel If you love travelling and do it as often as possible, it is a good idea to add More Travel. This optional package insures the cost of your trip so that you do not lose your money if you have to cancel in the event of acute illness immediately before departure. Cancellation is also compensated if you are unable to carry out the purpose of a trip, for example if you sprain your elbow before a skiing holiday in France. Replacement travel if you are in hospital for more half of your travel period or if you have to travel home urgently within the first half of the trip. Compensation for ruined days of travel in the event of short-term illness. Travel guarantee if you strain your knee and cannot participate in the activities that were the purpose of the trip, for example cycling or trekking. Delayed luggage. You receive a sum per 24 hours if your luggage is delayed. This enables you to buy some new clothes while you are waiting. More Sport If you are really into your sport and your equipment, it is a good idea to add More Sport. This optional package is designed for people with an active outdoor lifestyle and like trying something new and wild, on holiday as well. Dangerous sports are covered, for example if you are injured paragliding or river rafting. Motorcycle or moped limited to 45 km/h you have full accident cover, also abroad. If you do not add More Sport, you receive only half compensation. Hire of sports equipment we cover your expenses for hiring equipment if, for example, you land in Innsbruck and your skis or snowboard are delayed by more than 5 hours or never arrive. Cover for sports equipment you store at your club or association, for example diving gear. Bike cover with no limits, however expensive your bike may be. Windsurfers, kitesurfers, kayaks and similar are covered. More Health If protection of your personal health is very important to you, it is a good idea to add More Health. This optional package covers minor injuries, for example sports injuries, and gives you higher compensation for permanent injury after an accident. Cover from 5% permanent injury you also receive compensation for minor consequences of an accident that are covered by the insurance, for example a knee injury sustained during training for running or handball. A higher sum gives you higher compensation. We calculate compensation on the basis of DKK 1,132,695 (2015). Amputation cover you receive higher compensation for the loss of fingers, arms, toes, legs, sight or hearing in an accident. Benefits that come with YoungLiving When you buy YoungLiving, with or without optional packages, you get not only an insurance policy, but also some reassuring benefits, for example access to telephone crisis and health advice at no extra charge, and moneysaving benefits, for example discounts on car insurance. YoungLiving gives you discounts on the following policies: 15% discount on car and boat insurance. 10% discount on dog insurance. 15% discount on accident insurance that your or your partner have in addition to YoungLiving. In addition to discounts, YoungLiving also gives you benefits that make you feel more secure in your everyday life: Tryg i Livet telephone hotline for crisis and health advice. Tryg ID access to advice and help if someone abuses your identity. Psychological trauma counselling in the event of acute mental trauma. Cheaper car insurance a special price for first-time car owners. Tryg Roadside Assistance as part of your car insurance. Just one excess per claim even if you receive compensation from several policies at once. Cover for distraction burglary. Tryg i Livet No one goes through life without problems or crises. In such situations you need support from your next-of-kin. However, a chat with a professional outsider may often be what works best to help you regain control over your life again. As a YoungLiving customer, you have access to psychological treatment in the event of serious mental trauma but we also want to help you nip problems in the bud. Therefore, we offer the unique opportunity of access to Tryg i Livet. Tryg i Livet is a telephone hotline which you can call free of charge and get help handling serious problems, for example with your relationship, your health, your studies or at work. The hotline is provided by Falck Healthcare, and you talk to professional, expert counsellors, all of whom have a professional background, for example as a nurse, health visitor, social worker or abuse consultant. Your call is anonymous to Tryg we are not informed that you have called and we are not permitted to know what you have talked about. Tryg i Livet also helps you find additional help. You will often get the help you need directly on the phone. The public sector can help you in many ways, but it may be difficult to find out where to turn. If you need it, you will be referred, as part of your call, to the relevant public sector help. 3/6 Fakta om YoungLiving

4 You can read more about Tryg i Livet at You can also see the specific terms and conditions for Tryg i Livet. You can contact Tryg i Livet by phone on Tryg ID Are you receiving unexpected bills? Or are you suddenly no longer receiving any post? You may have had your identity stolen. Identity theft is when another person steals your personal data or gains illegal possession of it by some other means. Thieves sometimes use your personal data to open bank accounts, buy things or apply for loans in your name. As a YoungLiving customer, Tryg ID gives you help if you suspect that your personal data has been abused. We help you investigate your suspicions. If it turns out that abuse is taking place, we help you get it stopped. However, Tryg ID does not cover any financial loss incurred in connection with abuse. We can also give you advice on avoiding abuse, for example if you have lost your purse or travel documents. You can read more about Tryg ID at You can also see the specific terms and conditions for Tryg ID. Tryg ID is open 24 hours a day and can be contacted by phone on Psychological trauma counselling What use is a compensation payment if it is your mind that has been injured? As a YoungLiving customer, you can receive up to 10 hours of psychological trauma counselling if you or your co-insured partner have been involved, within the past 3 months, in a serious event in your private life that requires professional trauma counselling. This may be a road traffic accident, a sudden life-threatening disease, a death in the family or an assault. Events that can disturb anyone's mental balance. We have psychologists who are specially trained to provide precisely this type of help. If you need trauma counselling, you should call Tryg Linjen on It is open 24 hours a day. Cheaper car insurance for first-time car owners If you are going to be a first-time car owner, as a YoungLiving customer you have the opportunity to have a better ranking and thus a lower start price if the car has comprehensive cover. The car must have maximum 90 bhp and it must be on white plates, i.e. registered for personal use only. Tryg Roadside Assistance If you have car insurance with us, you get roadside assistance for no extra charge. So you save money that you would otherwise have paid for a special rescue subscription. Tryg Roadside Assistance gives you assistance if you have an accident or if your car will not start. If your car cannot be driven after an accident, you receive assistance with towing and onward transportation. You also have the option to hire a car at attractive prices while your car is repaired at a garage affiliated to Tryg Roadside Assistance. Read more about Tryg Roadside Assistance in the terms and conditions of your car insurance or at vejhjaelp. Just one excess per claim If a claim is covered by both YoungLiving and another policy, you only have to pay the excess on the policy that has the highest excess. This might be following a break-in in your car which involves both damage to the car and the theft of personal property. Cover for distraction burglary Distraction burglary may take place after you let someone into your home in good faith because they say they are a tradesman, meter reader or from the housing company. However, this is purely designed to confuse you so that they can steal money or jewellery without you noticing. Compensation is normally only paid for these items in the event of a burglary following a break-in. As a YoungLiving customer, you get cover for distraction burglary in the same way as for a break-in without it costing you any more. Benefits that can be purchased with a Young Living discount YoungLiving also enables you to buy a number of other benefits: Tryg Backup unlimited storage if you want to back up the content of your PC. Course in safe, fuel-efficient driving a full-day FDM course with training behind the wheel. Extended Tryg Roadside Assistance with discount includes changing summer and winter tyres Customer group life insures you for loss of working capacity, critical illness or death. Tryg Backup if your PC is stolen, YoungLiving pays out the value of the PC itself. But what about its content? For just DKK 25 a month, you and any co-insured partner can insure your photos, films, music, study projects and other valuable files. Tryg Backup gives you unlimited storage and includes 2 licences, i.e. you can have online backup for 2 computers. We work with Keepit A/S, which provides this service. You can read more about how to get Tryg Backup at There is a link to order Tryg Backup, and you can also see the specific terms and conditions for this service. Is 10 GB storage and 1 licence enough? You can add the optional package More Stuff instead. This also gives you access to automatic backup of your computer. More Stuff also covers claims in connection with sudden accidents (for example if an expensive lamp or your new flat screen TV falls on the floor) and functional faults in electronic products after the expiry of the shop warranty. More Stuff also ensures that you need only pay a low excess for theft and other claims on your possessions. 4/6 Fakta om YoungLiving

5 Course in safe, fuel-efficient driving If you have your car insurance with us along with YoungLiving, we offer you an eight-hour customised specialist driving course in partnership with FDM. The course focuses on two areas: Fuel-efficient driving; you learn how to save fuel Driving techniques; this improves your driving ability so that you are better equipped to deal with a dangerous situation with your car, for example ice and snow on the road. The course is held at a modern driving facility and you are taught by professional instructors. You drive in your own car at FDM's driving facility in either Silkeborg or Roskilde. The price per person is DKK 995, including meals and refreshments. You can read more about the course and book it at Extended Tryg Roadside Assistance With Tryg Roadside Assistance you and your car are in good hands. However, if you add Extended Tryg Roadside Assistance, you also get: An annual safety check of steering, brakes, tyres, lights, etc. Two annual tyre changes. Changing summer/winter tyres is part of Extended Tryg Roadside Assistance. Assistance for caravan and trailer. Your caravan and trailer will also be rescued and towed within Denmark. If you are a YoungLiving customer, Extended Tryg Roadside Assistance costs DKK 354 (2015) a year. The money you save on changing the summer and winter tyres makes the price of the cover worthwhile on its own. You can read more about Extended Tryg Roadside Assistance at and in the terms and conditions for Car Insurance Customer Group Life a sound financial safety net at a low price. A customer group life insurance policy protects you against loss of earning capacity or critical illness. Compensation is also paid to your spouse/children if you die. A customer group life insurance policy provides cover until the end of the quarter in which you turn 60. We need to have satisfactory health information before we can write the insurance. When you buy Customer Group Life, you choose between three different death sums and decide whether you want to add a sum for disability and critical illness cover. The sum chosen for death and disability is reduced by 10% a year when you turn 51 and until you turn 60. more due to an accident or illness. You contract a critical illness, for example a malignant form of cancer or a blood clot in the heart. Customer Group Life is written with Forenede Gruppeliv in accordance with the applicable rules. Read more at Additional YoungLiving benefits for Nordea customers Nordea's Loyalty Programme If you are a customer of Nordea, YoungLiving can also be included in the bank's Loyalty Programme. You can read more about the Loyalty Programme at Nordea Ticket If you are a Nordea Check-in customer, Loyalty or Loyalty+ customer, you have this additional benefit. Nordea Ticket is cancellation insurance that gives you and any co-insured person, plus your children, compensation for tickets for events such as concerts, festivals, theatre and sports events if you have to cancel on account of: Acute serious illness in, injury to or death of you or your spouse/partner, children, parents, parents-in-law, grandparents, siblings, brothers-in-law, sisters-in-law or a companion. Fire, burglary or water damage at your home immediately before the event begins. In the event of illness or injury, the insurance provides cover only if the condition is acute and you had no knowledge of it when you bought the tickets. The insurance covers cancellation of tickets in both Denmark and abroad. The insurance covers the total price of the tickets with a maximum of DKK 4,000 per claim. Cover is subject to the total price of the tickets being over DKK 350. The policy covers maximum DKK 12,000 per insurance year. You must be able to document that the tickets have been paid for with a Nordea debit card or via Nordea's online bank, i.e. the debit must appear directly in your account statement. You must be a Nordea Check-in, Loyalty or Loyalty+ customer at the time of the claim. If you need the insurance, we also require documentation in the form of: The unused ticket(s). An invoice from the organiser or agents. A medical report, death certificate, police report or other relevant documentation. Customer Group Life with supplementary cover is a group policy on which compensation is paid as a lump sum if: You die before you turn 60. Your earning capacity is permanently reduced by 2/3 or 5/6 Fakta om YoungLiving

6 Practical information Payment YoungLiving must be paid for via the payment service provider BetalingsService. You decide whether you want to pay annually, every six months, quarterly or monthly. There is no extra charge for paying monthly. Insurance with another company When you buy an insurance policy, you should be aware that some claims may be covered by another policy, for example damage to glass, sanitary ware and household appliances may also be covered by a landlord's buildings insurance. You may also have a care plan that you were offered in the shop where you bought your computer or flat-screen TV. You should also be aware that you may already have travel insurance in connection with a debit or credit card (for example MasterCard). The two policies may provide different cover but there may also be cover that is identical to that provided by YoungLiving. Where double insurance occurs, you must report the claim to both companies. Existing illness If you have an existing illness, Travel and More Travel (if you have purchased this optional package) cover an acute deterioration of the illness, provided that it has been in a stable good phase for 2 months. A stable good phase means that the condition has been stationary without any form of deterioration that has required medical assistance or has resulted in a plan for further tests or hospitalisation. If you are in doubt about whether the insurance will cover you during travel, you can contact us. However, for holiday travel of up to 1 month within Europe, you must rely on public travel health insurance. Term of YoungLiving The insurance agreement is valid for one year at a time and is renewed automatically for a year unless you or we have terminated it beforehand. How long can you have YoungLiving? When you turn 29, we write to you to make you aware that you need to review your insurance needs. We know from experience that the most changes occur in a person's life at around this age. You consider buying a house or car, get married, buy more expensive possessions and become a little more settled. Your YoungLiving policy expires on the first renewal date after you turn 30. Therefore, we contact you again just before YoungLiving expires to ensure you know the importance of not being without insurance cover. How to terminate your YoungLiving policy You and we are entitled to terminate the insurance in writing no later than one month before the expiry of the insurance period. You may choose to terminate the insurance giving only 30 days' notice to expire at the end of a calendar month against payment of a fee. After any reported claim, you and we will be entitled, for up to 14 days after payment of compensation or rejection of the claim, to terminate the insurance by giving 14 days' notice. Changes to your YoungLiving benefits We regularly introduce new benefits for people who have several policies with Tryg. This also applies if you have purchased a package like YoungLiving. A number of benefits are based on partnership agreements with external suppliers, for example Tryg i Livet and Tryg Roadside Assistance. We reserve the right to change the content of these benefits at 1 month's notice to 1 January or 1 July. The notice will be published at at Do you want to be kept up to date about new benefits? As a YoungLiving customer, you will regularly be offered new benefits. Go to and give us your address. You will then be notified when new benefits are offered that can make your life even more secure. If you need to make a claim If you have purchased YoungLiving and you want to make a claim, please call us on as soon as possible or report the claim at If you are travelling and need emergency assistance, please call our alarm centre on You are welcome to contact us It is important for your policies to match your life. You are therefore always welcome to call us on , Monday-Friday between 8 am and 6 pm, if you want to talk to a personal adviser about insurance and pensions tailored to your wishes and requirements. On our website at you can check what insurance you need, calculate the price, order a quote, report claims and get claims prevention advice. If you are a customer of Nordea, you can also contact your local Nordea branch, call or visit This fact sheet does not contain all the information about YoungLiving. The full insurance terms and conditions apply in the event of a claim. The insurance terms and conditions are sent with your policy. They can also be viewed at or obtained in your Nordea branch. 6/6 Fakta om YoungLiving