MEMBERS INSURANCE – ACCIDENT
As a member of the Norwegian Martial Arts Federation, you are covered by the federation’s accident insurance.
Children under 12 years old are insured through the Norwegian Sports Federation. Members over 12 years old who are registered in the Norwegian National Insurance Scheme with a birth number/D-number are insured through Tryg Forsikring.*
*For individuals without permanent residency, treatment insurance will not apply.
Insurance for Children’s Sports – up to 12 years old
All children who are members of teams affiliated with the Norwegian Sports Federation and Olympic and Paralympic Committee (NIF) or who participate in organized activities under the club/team’s auspices are insured through Gjensidige children’s sports insurance.
For the insurance agreement, the terms for Sports Insurance and the general terms apply unless deviated from in the provisions below.
The insurance covers children until the date they turn 13 years old.
The insurance premium is paid by NIF.
Read more about the insurance at NIF.
Injury/Accident Insurance 13-75 years via Tryg Forsikring
Registered club members aged 13-75 are insured through the Norwegian Martial Arts Federation’s accident insurance via Tryg Forsikring. All members are insured from the moment they are entered into our systems – this also applies to those with trial memberships. In the event of an injury, the member must pay for the membership, and the damage report is submitted as usual as soon as the payment is registered. The agreement does not cover wear and tear or illness.
The accident insurance is paid through a mandatory fee (decided by the federation’s assembly) in addition to the club membership fee. If you are to use the insurance, you must fill out a form with Tryg following the guidance below. The insurance applies worldwide, including home training. Terms are available at the bottom of this webpage.
Clarification of terms for competitive athletes
The sports department of the martial arts federation, in collaboration with our partner Tryg Forsikring, has prepared this information about insurance. The information mainly applies to competitive athletes participating in international tournaments.
After the pandemic restrictions eased, we see a significant increase in Norwegian martial artists participating in international tournaments. Therefore, we also want to go through which insurance solutions apply to these athletes.
Under 13 years old
All children under 13 years old who are members of teams affiliated with the Norwegian Martial Arts Federation (NKF) are insured through Gjensidige children’s sports insurance. The insurance covers children until the date they turn 13 years old. The insurance premium is paid by NIF. Insurance certificate and terms HERE.
Over 13 years old
All individuals over 13 years old who are members of teams affiliated with the Norwegian Martial Arts Federation (NKF) and are registered in the Norwegian National Insurance Scheme with a birth number/D-number have collective accident insurance through Tryg Forsikring.* The insurance covers travel to and from organized training and competitions worldwide. In case of an accident, the insurance amount is 600,000 for disability and 50,000 for death. In the event of an accident covered by the insurance, treatment expenses up to a maximum of NOK 35,000 are also covered.
The insurance covers medical disability from and including 15%.
Expenses for stays/treatment in private hospitals or with private practitioners without public operating grants are not reimbursed. The insurance premium is paid by NKF. The cessation age for the insurance is 75 years. The exception in the condition regarding combat and self-defense sports is entirely eliminated.
Report claims: https://www.tryg.no/meld-skade/personskader-og-behandling.html
Terms: https://www.tryg.no/bedrift/forsikringer/kollektiv-ulykkesforsikring.html
*For individuals without permanent residency, treatment insurance will not apply.
Travel Insurance
Everyone must have their own travel insurance.
In addition, all athletes and support staff are covered except for the exception for combat and self-defense sports, as a standard travel insurance normally has.
Report claims: https://www.tryg.no/bedrift/meld-skade/reiseskade.html
Policy number is 6550362
Treatment Insurance
NKF recommends that all competitive athletes take out their own treatment insurance. This covers treatment at private facilities, but all expenses must be pre-approved by the insurance company. Only a few named elite athletes in cooperation with the Norwegian Olympic Committee and Paralympic Committee receive coverage for this insurance from NKF.
Report claims: https://www.tryg.no/bedrift/meld-skade/personskader-og-behandling.html
Claims Report
Injuries after 01.01.2017: Click here for claims report.
How to use the form: Choose accident and then log in with bank ID. Check the federation agreement box and enter agreement number 6505854. Fill in personal information and the sequence of events to the best of your ability.
If you have any questions, Tryg can be contacted as follows:
Email address: Personskade@tryg.no
Phone/group number: 55172369
Injuries that occurred before 01.01.2017 should be reported to Sportscover via the claims company Crawford & Co. at this email: company@crawco.no. Note the damage report with Sportscover/Norwegian Martial Arts Federation.
Insurance Certificate (Terms for membership insurance through Tryg Forsikring
The insurance covers members of NKF who are 13 years old or older.
Sum insured:
- Accident death: NOK 50,000
• Accident disability: NOK 600,000
• Treatment expenses: NOK 35,000
Deductible for the above: NOK 500
- Hospital treatment: Unlimited (No deductible)
• Home transport: Unlimited (No deductible)
The insurance covers medical disability from and including 15 percent.
The insurance covers members of NKF who are 13 years old or older.
Special provisions for the Norwegian Martial Arts Federation:
The provisions apply in addition to or instead of terms in bbppk100
The insurance applies during:
- Competitions/matches, demonstrations, organized training, and travel to/from.
- Travel/stays organized by the sports club when the purpose of the trip is to engage in the sport.
- Training included in a planned training program when the coach/team leader can document that the injury occurred during training.
The insurance is extended to also cover:
- Injuries during training, matches, and demonstrations resulting from evasion maneuvers. Evasion maneuvers mean movements, turns, or other abrupt movements with or without physical contact, such as choreographed patterns/demonstrations.
- Injuries from crushing, full-contact, or knockdown during organized training and/or national/international tournaments.
- Members of the Norwegian Martial Arts Federation are insured for travel to and from competitions, demonstrations, and organized training worldwide as of January 1, 2020.
Exceptions:
- The exception for boxing, wrestling, judo, and karate or other combat and self-defense sports does not apply.
Payout of death benefits:
In the event of a death benefit payout, a cohabitant is treated equally to a spouse.
Ceasing age:
Ceasing age is 75 years
This is a simplified presentation of the special terms that apply to the federation.
If you need the complete insurance terms, please contact us.
For general questions about the Tryg Forsikring insurance scheme, senior business advisor Sander Humborstad can also be contacted: Email: sander.humborstad@tryg.no, mobile: 979 66 339.
Competitive athletes
NKF advise all competitive athletes to also add a treatment insurance, as private treatment after sports related injury is not included in the normal insurance.
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