As an SDU employee, you are covered by the government's agreement with the insurance company Europæiske ERV for work-related trips abroad.
As an SDU employee, you are covered by the government's agreement with the insurance company Europæiske ERV for work-related trips abroad.
The insurance agreement is not an insurance in the traditional sense. SDU bears the financial risk in the event of a claim and does not pay a premium to Europæiske ERV. This means that Europæiske ERV determines whether there is a liability for compensation and sets the amount of compensation, pays the compensation, pays medical bills etc. after which SDU then reimburses the amount paid by Europæiske ERV.
The cost is borne by the individual faculty or area. However, see below regarding compensation amounts exceeding approximately DKK 1.5 million. Questions about large compensation amounts may be directed to Chief Accountant Jens V. Kierkegaard at jvk@sdu.dk.
Once the claim has been processed by Europæiske ERV, SDU Financial Service will receive an electronic invoice for the expenses incurred by Europæiske ERV.
Financial Service posts the invoice and sends it to the relevant administrator at the faculty, department or area for authorisation. The account coding is based on information received from the injured party.
The cost of damages is borne by the individual faculty or area up to the applicable self-insurance limit for industrial injuries and extraordinary expenses incurred in connection with business travel. The self-insurance limit is DKK 1.428 million at the 2025 price level and is adjusted annually in accordance with the price and wage adjustment laid down in the national budget. The amount covers the total sum of expenses per person/industrial injury over time within each main area. Expenses exceeding the applicable self-insurance limit are financed by SDU Shared Services.
Last Updated 10.06.2026