What does the insurance cover?
Aalborg University has taken out an accident insurance for students engaged in laboratory activities. The insurance covers injuries sustained by students during experiments or other laboratory activities conducted as part of their studies. Moreover, the insurance covers such cases in which laboratory experiments or other laboratory activities are carried out during fieldtrips, excursions, internships, etc. Thus, the insurance also covers injuries sustained abroad.
Which injuries are covered by the insurance?
The accident insurance allows students to claim compensation for:
- Medical expenses and rehabilitation expenses
- Compensation for permanent injury
- Compensation for incapacity for work
The compensation is determined according to the Consolidated Workers’ Compensation Act [Lov om Arbejdsskadesikring].
Dental care costs may be covered by the accident insurance if the dental injury is directly caused by the laboratory activities or the conditions under which the laboratory activities are carried out. Dental costs are covered only when students cannot claim compensation elsewhere, such as from public health insurance. Before the treatment begins, the insurance company must approve the treatment and the cost of treatment; however, this does not apply to acute dental treatment. As a general rule, the insurance does not cover dental injury caused by chewing.
How to report an injury
The accident report form, which is available in both English and Danish (see ATTACHMENT), must be filled in immediately after the injury and submitted by the department along with relevant appendices to email@example.com. The secretariat will then forward the accident report via secure email to insurance broker Susanne Danielsen of Willis Towers Watson who will report the accident to the insurance company. If further information is required, the insurance company will contact the injured party.
The accident insurance covers all AAU students who participate in laboratory activities or perform laboratory experiments as part of their studies at AAU. The insurance does not cover PhD students employed by AAU. PhD students are referred to AAU’s central section for occupational health and safety.
The procedure concerns the reporting of injuries sustained by students during experiments or other laboratory activities conducted as part of their studies.
The accident insurance does not include liability insurance and does not cover other injuries than those sustained by AAU students during laboratory experiments or other laboratory activities carried out as part of their studies. All students are therefore advised to take out a personal accident and liability insurance.
If you have any questions on how to complete the accident report form, please contact Susanne Danielsen, Willis Towers Watson, at Susanne.Danielsen@WillisTowersWatson.com or by phone +45 8813 9846.
If you have any other questions related to the accident insurance, please contact Sine Sø Kristensen, Study Service Secretariat at firstname.lastname@example.org or by phone +45 9940 7618.