Common use of Option C Addiction therapy Clause in Contracts

Option C Addiction therapy. The option covers reasonable treatment costs for abuse of and addiction to: • Alcohol. • Prescription medicine. • Narcotics (intoxicants covered by the Act on Euphoriant Substances). • Diagnosed ludomania (addiction to gambling). No other types of addiction are covered except those mentioned above. “Addiction therapy” is not covered until you have been covered by the policy for 6 months. It is possible to transfer seniority in connection with direct transfer from another company, where you also had similar cover. Doctor’s referral The treatment must be prescribed in writing by a medical practitioner and we must consider that there is a realistic chance of recovery. Treatment must be approved Treatment may not be initiated without prior approval from us. On the basis of a medical assessment, we refer to outpatient or day-care therapy at a treatment centre in Denmark designated by us. Previous treatment The insurance does not cover if we consider that you have previously been in treatment for the same type of addiction. Previous treatment means: • Start of scheduled outpatient or day-care treatment at a public or private treatment centre. • If you have been in a course of treatment with a minimum of 4 hours of weekly treatment. • If you have been in a course of treatment, where you have received more than 25 hours of treatment. • If you have been in antabuse treatment with your own doctor for more than 3 weeks. • Gambling/ludomania is not covered if you have previously received psychological treatment for this. • Other treatment, similar to the points above. The insurance premium for this cover is tax-free for the company’s employees when the need for treatment is medically certified in writing and the cover is offered to all the company’s employees. The cover does not distinguish whether the addiction is work-related or not. If the cover is not offered to all employees, the entire insurance premium for this cover is taxable for the insured party. The insurance does not cover in cases of relapse to addiction during the insurance period or if you interrupt a treatment process initiated by us. We consider a course to be completed if you choose to discontinue the treatment prematurely. Cover can be provided up to a combined maximum of DKK 100,000 per insured party during the entire period of insurance, regardless of whether there are multiple addictions.