To ensure greater transparency, an EU directive which came into force on 1 October 2018 provides that you must be able to compare Danica Pension’s non-life insurance products with those of other companies. We must inform you of this right before you enter into an agreement with us.
You can find answers to the following questions about each insurance cover:
- What type of insurance is it?
- What does it cover?
- What does it not cover?
- Are there any limitations of cover?
- Where am I covered?
- What obligations do I have?
- When and how will I pay?
- When does the cover start and end?
- How do I terminate the agreement?
Non-life insurance policies are policies that cover everything other than your life, and in relation to pension schemes, this generally includes cover for loss of earning capacity and critical illness.
Insurances covering your life are known as life insurance products or cover on death.
Non-life insurance policies with Danica Pension
Here you find information on what and how our non-life insurance policies cover. Information is presented in individual documents for each insurance cover and is presented in the exact same way by all insurance companies. This makes it easier to compare insurance covers.
When we advise a customer on our insurance and pension products, we discuss the customer’s demands and needs in order to cover all aspects. We base our recommendation on the customer’s situation, so that the customer has the best possible basis on which to make his or her choice.
Danica Pension has employees with fixed remuneration and employees with variable remuneration. What product a Danica Pension employee recommends or sells to a customer does not influence his or her salary. This is how we ensure that our advice and recommendations are always based on what is best for our customers.