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Sickness Insurance

Anyone can be diagnosedunderlinewith an illness. No matter how healthy your lifestyle is, there is always the risk that your health will falter and you will be given the important task of restoring it. Sickness Insurance provides you with benefits if you are diagnosed with a disease that leads to permanent medical disability or temporary loss of work capacity.

More About Sickness Insurance

Sickness Insurance is made up of two types of protection: disability benefits and a daily allowance. You can choose to purchase just one type of coverage or both.

Disability benefits

  • If you get an illness that leads to disability, you will receive benefits if your Health Insurance includes disability coverage.
  • If the illness results in a permanent medical disability assessed at 25% or more, your benefits will be paid out in a lump sum.
  • If the illness results in a permanent medical disability that is assessed at 100%, you will be paid the entire amount of the benefits, while a proportional percentage of the benefits will be paid if the disability is less than 100%.

Daily allowance

  • If you get an illness that results in you not being able to do your job, you will receive a daily allowance if your Sickness Insurance includes the provision of a daily allowance.
  • If you temporarily lose 50% or more of your work capacity, you will receive a daily allowance from the end of the waiting period if you are unable to work according to the assessment of a doctor or until a disability assessment has taken place.
  • The waiting period is the amount of time you need to wait before you will receive benefits.
More About Sickness Insurance

The insurance provides

  • Compensation if the illness causes permanent medical disability.
  • A daily allowance if the illness causes temporary loss of work capacity.

The insurance does not provide

  • Compensation or a daily allowance if the illness had shown symptoms before the insurance took effect.
  • Compensation or a daily allowance if the illness is caused by indoor tanning, medical treatment, surgery or the use of medication, unless the treatment is on the advice of a doctor due to an insured illness and performed at an approved health institution.
  • Compensation or a daily allowance if the illness is caused by the consumption of alcohol or narcotics.

Please note that the above list is not exhaustive. Further information can be found in the insurance terms.
In case of discrepancy between this list and the insurance terms, the insurance terms applies.

Do You Need More Coverage?

Life Insurance

Life Insurance ensures that those who rely on you will be taken care of. The insurance amount is paid out if you die during the insurance period. It does not matter if the cause is an accident or an illness.

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Critical Illness Insurance

No one expects to lose their health due to a serious illness, but the fact is that it can happen to all of us. Critical Illness Insurance provides financial protection and ensures that you will receive compensation if you are diagnosed with any of the diseases covered by the insurance.

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Accident Insurance

Accident Insurance protects you if you suffer broken teeth and permanent medical disability following an accident. The insurance is valid anywhere in the world and covers both accidents at and outside of work.

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Insurance Terms

The insurance terms is your contract with VIS. It is important to thoroughly read the terms and understand what is covered and what is not, before purchasing the insurance.

If you have Life and Health Insurance

you may also be interested in the following insurances.

Family and Home Contents Insurance

What we all have in common is that we can encounter unexpected events in life that cause damage to possessions or accidents to people. Therefore, it is important that you have appropriate coverage for your family and your belongings.


Property Insurance

Buying a property is usually the biggest investment we make in our life. It is therefore important that we make sure that the property is properly insured to minimize the financial consequences of property damage.


Vehicle Insurance

All of us can make mistakes while driving or find ourselves in a situation that results in damage. Therefore, it is important to have good motor vehicle insurance.


Travel Insurance

Are you planning a trip? Whether you are travelling for pleasure, study, work or other reasons, we recommend that you check whether you have travel insurance that suits you.


Animal Insurance

Animals need insurance just like any other family member. We have extensive experience in insuring animals and offer several types of animal insurance for horses, dogs and cats that you can combine according to your needs.