{"id":2182,"date":"2026-05-29T09:00:00","date_gmt":"2026-05-29T09:00:00","guid":{"rendered":"https:\/\/etavisauk.org\/?p=2182"},"modified":"2026-05-27T16:15:20","modified_gmt":"2026-05-27T16:15:20","slug":"rejseforsikring-england-2026-guide","status":"publish","type":"post","link":"https:\/\/etavisauk.org\/is\/rejseforsikring-england-2026-guide\/","title":{"rendered":"Fer\u00f0atrygging Englands 2026 \u2014 Fullkominn lei\u00f0beiningar fyrir danska fer\u00f0amenn"},"content":{"rendered":"
\"fer\u00f0atrygging<\/figure>\n

Hva\u00f0 n\u00e6r fer\u00f0atrygging til Englands yfir \u00e1ri\u00f0 2026?<\/h2>\n

Fer\u00f0atrygging til Englands 2026 n\u00e6r venjulega yfir l\u00e6knisa\u00f0sto\u00f0, sj\u00fakrah\u00fasinnl\u00f6gn, afb\u00f3kun, t\u00f6p \u00e1 farangri og \u00e1byrg\u00f0 gagnvart \u00feri\u00f0ja a\u00f0ila. EU-sj\u00fakratryggingakort (EHIC) er ekki lengur a\u00f0 fullu gilt eftir Brexit, svo einkafer\u00f0atrygging er eindregi\u00f0 m\u00e6lt me\u00f0 fyrir danska fer\u00f0amenn. Sta\u00f0gengildir eru fr\u00e1 200 til 500 DKK \u00e1 viku.<\/strong><\/p>\n

Ennfremur (ennfremur), flestir d\u00f6nsk fer\u00f0atryggingar n\u00e1 yfir Englandi me\u00f0 venjulegum gj\u00f6ldum. Sannarlega (sannarlega), d\u00f6nsk fyrirt\u00e6ki eins og Europ\u00e6iske, Gouda og Tryg bj\u00f3\u00f0a s\u00e9rstaka fer\u00f0atryggingu fyrir UK. S\u00e9rstaklega (s\u00e9rstaklega), athuga\u00f0u tryggingaupph\u00e6\u00f0ir: l\u00e1gmark 1 milj. DKK fyrir l\u00e6knisme\u00f0fer\u00f0.<\/p>\n

However, Brexit breytti skilyr\u00f0um: bresk Global Health Insurance Card (GHIC) kemur \u00ed sta\u00f0 EHIC fyrir suma EU-borgara, en einkaa\u00f0sta\u00f0a helst mikilv\u00e6g. Therefore (\u00fev\u00ed), sameini\u00f0 GHIC vi\u00f0 einkas\u00e9 fer\u00f0atryggingu til a\u00f0 f\u00e1 fulla vernd.<\/p>\n

\"fer\u00f0atrygging<\/figure>\n

Hva\u00f0 NHS n\u00e6r til fyrir danska gesti<\/h2>\n

Specifically (s\u00e9rstaklega), NHS n\u00e6r til br\u00e1\u00f0rar me\u00f0fer\u00f0ar fyrir alla erlenda gesti, en sendir reikninga s\u00ed\u00f0ar fyrir me\u00f0fer\u00f0ir sem ekki eru br\u00e1\u00f0ar. EU-borgarar me\u00f0 GHIC f\u00e1 \u00f3keypis br\u00e1\u00f0a me\u00f0fer\u00f0, en flutningur sj\u00fakrab\u00edla og heimaflutningur eru ekki trygg\u00f0ir.<\/strong><\/p>\n

Moreover (\u00e1samt \u00fev\u00ed), NHS-me\u00f0fer\u00f0 er \u00f3keypis \u00ed br\u00e1\u00f0um a\u00f0st\u00e6\u00f0um (sl\u00f6sunardeild, hjartast\u00f6\u00f0nun, l\u00edfsh\u00e6ttuleg slys). Notably, \u00e1\u00e6tla\u00f0ar me\u00f0fer\u00f0ir og s\u00e9rfr\u00e6\u00f0ir\u00e1\u00f0gj\u00f6f krefjast einkaa\u00f0st\u00f6\u00f0u. Indeed, 41 millj\u00f3n gesti koma til UK \u00e1 \u00e1ri (VisitBritain, 2024).<\/p>\n

However, tandl\u00e6gebehandlingar eru ekki \u00f3keypis jafnvel \u00ed br\u00e1\u00f0um tilfellum og kosta\u00f0u a\u00f0 me\u00f0altali \u00a375 fyrir hvert heims\u00f3kn \u00e1ri\u00f0 2025. NHS<\/a> birtir ver\u00f0listar.<\/p>\n

Fer\u00f0atryggingar til Englands 2026: tegundir og ver\u00f0<\/h2>\n\n\n\n\n\n\n\n\n
Fyrirt\u00e6ki<\/th>\nVer\u00f0 \u00e1 viku<\/th>\nL\u00e6knisleg trygging<\/th>\nHeimaflutningur<\/th>\n<\/tr>\n<\/thead>\n
Evr\u00f3psk ERV<\/td>\n250 DKK<\/td>\n1 milj. DKK<\/td>\nJ\u00e1<\/td>\n<\/tr>\n
Gouda<\/td>\n220 DKK<\/td>\n800.000 DKK<\/td>\nJ\u00e1<\/td>\n<\/tr>\n
Tryg<\/td>\n300 DKK<\/td>\n2 mio. DKK<\/td>\nJ\u00e1<\/td>\n<\/tr>\n
Codan\/Alm. Brand<\/td>\n270 DKK<\/td>\n1 milj. DKK<\/td>\nJ\u00e1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

R\u00e1\u00f0l\u00f6g\u00f0 f\u00e9l\u00f6g og gj\u00f6ld<\/h2>\n

\u00deess vegna (\u00feess vegna) eru bestu r\u00e1\u00f0lag\u00f0u d\u00f6nsku fer\u00f0atryggingar til Englands \u00e1ri\u00f0 2026: Europ\u00e6iske ERV, Gouda, Tryg, og Codan\/Alm. Brand fj\u00f6lskylduv\u00f6rur vi\u00f0 lengri dv\u00f6l.<\/strong><\/p>\n

Ennfremur (ennfremur), \u00e1rstryggingarnar fyrir t\u00ed\u00f0a fer\u00f0alanga kosta 1.500 til 3.500 DKK \u00e1 \u00e1ri. Reyndar innihalda fer\u00f0akreditkort eins og Mastercard Platinum og Eurocard Gold oft fer\u00f0atryggingu \u00ed kostum kortaeiganda. N\u00e1kv\u00e6mlega (n\u00e1kv\u00e6mlega), athuga\u00f0u hvort trygging kortsins dugi.<\/p>\n

Hins vegar eru tryggingar keyptar \u00e1 mi\u00f0lunarst\u00f6\u00f0um flugmi\u00f0a oft d\u00fdrari og lakari. Lei\u00f0beiningar um fer\u00f0atryggingu breskra stj\u00f3rnvalda<\/a> m\u00e6lir me\u00f0 st\u00f6\u00f0lu\u00f0um stefnum.<\/p>\n

\"fer\u00f0atrygging<\/figure>\n

Hva\u00f0 \u00e1 fer\u00f0atrygging a\u00f0 innihalda?<\/h2>\n

Athyglisvert, g\u00f3\u00f0 fer\u00f0atrygging til Englands 2026 skal innihalda: l\u00e6knisme\u00f0fer\u00f0 (l\u00e1gmark 1 milj. DKK), heimflutningu, afp\u00f6ntun (l\u00e1gmark 50.000 DKK), bagagatap (l\u00e1gmark 30.000 DKK), \u00e1byrg\u00f0 (l\u00e1gmark 10 milj. DKK).<\/strong><\/p>\n

Ennfremur (frekar), athuga\u00f0u sj\u00e1lfs\u00e1byrg\u00f0: oft 1.000 til 3.000 DKK fyrir hverja tj\u00f3n. Vissulega d\u00e6la tryggingar me\u00f0 0 sj\u00e1lfs\u00e1byrg\u00f0 d\u00e6migert 50 % meira. S\u00e9rstaklega (s\u00e9rstaklega), fj\u00f6lskyldustefnur n\u00e1 til d\u00e6miger\u00f0s 2 fullor\u00f0inna + h\u00e1mark 4 barna.<\/p>\n

Ennfremur skal starfr\u00e6\u00f0i \u00feekja vera n\u00e1kv\u00e6mlega skilgreind: sk\u00ed\u00f0a\u00ed\u00fer\u00f3ttir, fjallg\u00f6ngur, surfing geta krafi\u00f0 vi\u00f0b\u00f3tartryggingu. FCDO fer\u00f0ar\u00e1\u00f0leggingar til UK<\/a> a\u00f0sto\u00f0ar vi\u00f0 \u00e1h\u00e6ttumat.<\/p>\n

\u00c1hrif Brexit \u00e1 danska rejsatryggingu<\/h2>\n

Aflei\u00f0ingin (sem aflei\u00f0ing), eftir Brexit breyttust m\u00f6rg skilyr\u00f0i um rejsatryggingar. Sannarlega, GHIC kemur \u00ed sta\u00f0 EHIC, en a\u00f0eins fyrir danska r\u00edkisborgara sem b\u00faa \u00e1 Danm\u00f6rku. S\u00e9rstaklega, GHIC tryggir brj\u00e1l\u00e6\u00f0 sj\u00fakrah\u00fasme\u00f0fer\u00f0, en ekki einkame\u00f0fer\u00f0, flutning heim e\u00f0a flugfargj\u00f6ld fyrir v\u00e6ntandi m\u00e6\u00f0ur.<\/strong><\/p>\n

Ennfremur (a\u00f0 auki), einkasj\u00fakratryggingar standa straum fyrir annm\u00f6rkum: flutningu heim (d\u00e6migert 50.000 til 150.000 DKK), einkasj\u00fakrah\u00fas vi\u00f0 bi\u00f0, og beinum grei\u00f0slum. Athyglisvert er a\u00f0 GHIC m\u00e1 s\u00e6kja um \u00f3keypis fr\u00e1 heilbrig\u00f0isstofnunum.<\/p>\n

Hins vegar er GHIC einn \u00f3fulln\u00e6gjandi \u2014 d\u00e6mi: innl\u00f6gn \u00ed 5 daga \u00e1 UK einkasj\u00fakrah\u00fasi kostar \u00a315.000+. UK stj\u00f3rnarr\u00e1\u00f0<\/a> birtir sta\u00f0reyndasj\u00f3\u00f0a.<\/p>\n

\"fer\u00f0atrygging<\/figure>\n

Hva\u00f0 gerir \u00fe\u00fa vi\u00f0 tj\u00f3n \u00e1 s\u00e9r sta\u00f0 \u00ed Englandi?<\/h2>\n

\u00deess vegna (\u00feess vegna), ef tj\u00f3n \u00e1 s\u00e9r sta\u00f0: hringdu strax alarmn\u00fameri 999 ef um l\u00edfs\u00f3gnun er a\u00f0 r\u00e6\u00f0a, e\u00f0a 111 ef ekki-br\u00e1\u00f0ir. Haf\u00f0u samband vi\u00f0 danska tryggingu \u00fe\u00edna innan 24 klukkustunda. Vista\u00f0u allar kvittanir og l\u00e6knisferil.<\/strong><\/p>\n

Ennfremur (ennfremur), flest d\u00f6nsk tryggingask\u00edrteini eru me\u00f0 24\/7 hj\u00e1lparl\u00ednu til ensku talaandi r\u00e1\u00f0gjafa. Sannarlega, evr\u00f3psk ERV's hj\u00e1lparl\u00edna er +45 33 25 25 25. S\u00e9rstaklega (s\u00e9rstaklega), taktu myndir af stolnum munum og l\u00f6greglusk\u00fdrslu (UK Police 101 ekki-br\u00e1\u00f0ir).<\/p>\n

Auk \u00fev\u00ed sem \u00fea\u00f0 kemur fram, heimilisflutningur er skipulag\u00f0ur af tryggingaf\u00e9lagi, ekki af \u00fe\u00e9r. NHS<\/a> lei\u00f0ir \u00feig a\u00f0 n\u00e6stu ney\u00f0ardeild (A&E). UK ETA fee is \u00a316 for Danish travellers (UK Home Office, 9 April 2025).<\/p>\n

Hagn\u00fdt fer\u00f0ar\u00e1\u00f0 fyrir danska gesti<\/h2>\n

S\u00e9rstaklega, mundu gjaldmi\u00f0il (pund), flutninga (Heathrow Express, Tube), og t\u00edmabeltis (UK er 1 klst \u00e1 eftir Danm\u00f6rku). Heathrow flutti 83.9 millj\u00f3n far\u00feega \u00e1ri\u00f0 2024 (Heathrow Airport, 2024).<\/strong><\/p>\n

Ennfremur, Apple Pay og Google Pay eru sam\u00feykkt um allt. Sannarlega, snertilaus grei\u00f0sla er sta\u00f0all \u00ed London. Landsj\u00e1rnbrautir<\/a> tengir London vi\u00f0 allt UK.<\/p>\n

Hins vegar \u00e6ttu danskir fer\u00f0amenn a\u00f0 tryggja a\u00f0 hafa UK ETA fyrir brottf\u00f6r \u2014 \u00e1n ETA boarding neita\u00f0. Official ETA guidance<\/a>.<\/p>\n

\"fer\u00f0atrygging<\/figure>\n

Hagn\u00fdt \u00e1bendingar fr\u00e1 d\u00f6nskum fer\u00f0am\u00f6nnum 2025\u20132026<\/h2>\n

Vissulega s\u00f6fnu\u00f0u danskar fer\u00f0amenn sem heims\u00f3tu Englandi\u00f0 \u00e1ri\u00f0 2025 fimm hagn\u00fdtum inns\u00fdnum. S\u00e9rstaklega gefur samsetning GHIC + einkarekinn fer\u00f0atryggingu sterkustu tryggingu \u00e1 l\u00e6gstu ver\u00f0i.<\/strong><\/p>\n

Ennfremur (a\u00f0 auki) skaltu taka myndir af \u00f6llum fer\u00f0askj\u00f6lum fyrir brottf\u00f6r. S\u00e9rstaklega geymdu kvittanir fr\u00e1 \u00f6llum p\u00f6ntunum \u00ed s\u00e9rstakri t\u00f6lvup\u00f3stam\u00f6ppu. \u00dear a\u00f0 auki skaltu nota app tryggingar vi\u00f0 fer\u00f0ina \u2014 flestir bj\u00f3\u00f0a beint spjall me\u00f0 danskt\u00f6landi r\u00e1\u00f0gj\u00f6fum.<\/p>\n

\u00deess vegna (\u00fev\u00ed) gefur \u00e1rsforsikring merking ef \u00fe\u00fa fer\u00f0ast oftar en 2 sinnum \u00e1 \u00e1ri. Fyrir viki\u00f0 spara margir danskir fj\u00f6lskyldur me\u00f0 \u00fev\u00ed a\u00f0 velja \u00e1rsforsikring fram yfir einstaka fer\u00f0ir.<\/p>\n

Hins vegar hefur GHIC s\u00edna eigin ums\u00f3knarferli \u2014 sendu inn ums\u00f3kn 4 vikum fyrir brottf\u00f6r. Vissulega tekur GHIC 10 virka daga a\u00f0 framlei\u00f0a.<\/p>\n

Tengdir UK fer\u00f0alei\u00f0ir<\/h2>\n