Lääkäriliiton vakuutusedut

Finnish Medical Association’s insurance benefits

As a member of the Finnish Medical Association, you will be automatically insured, and you can also purchase insurance for yourself and your family at member prices
1

Automatic insurance cover for the members of the Association

When you become a member of the Finnish Medical Association, you will be automatically covered by insurance chosen by the Association. Read more about these insurance policies at the bottom of the page.

2

Insurance for you and your family at member prices

Request an offer for the policies you want and receive a discount by stating that you are member of the Finnish Medical Association and your membership number.

3

Benefits for OP cooperative bank's owner-customers

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Request an offer

The Finnish Medical Association’s membership benefits include Pohjola Travel Insurance policies with permanent discounts

Finnish Medical Association members get a 30 % discount on traveller's insurance. The Traveller's Insurance exceptionally includes cover for expenses caused by an accident also in the daily environment, when the scope of the insurance includes both domestic and foreign travel.

In Pohjola Traveller's Insurance, travel in Finland refers to journeys to a destination at least 50 kilometres from the insured person’s home, place of work or study or holiday home, measured as straight-line distance. We have expanded our insurance cover to members of the Finnish Medical Association by removing the kilometre restriction from traveller's insurance policies issued via the Association. This means that the insurance also covers medical treatment expenses of leisure-time accidents that occur in day-to-day activities not considered travel, such as at home or at a holiday home.

10 % discount on luggage insurance. When travelling to a predetermined destination, luggage insurance covers not only necessities but also clothes and accessories up to 500 euros if the luggage handed in for transportation arrives late.

Travelling with your spouse or family member? You can also take out traveller's insurance, with membership benefits and at the discounted price, for your spouse and your children who are under 20 years old and live in the same household. Luggage insurance for the entire family automatically covers the luggage of all family members in the same household.

Property insurance at discount prices

As a member of the Finnish Medical Association, you receive the following permanent discounts on new property insurance policies.

  • 5 % discount on home insurance, liability and legal expenses insurance, valuables insurance and small boat insurance.
  • 10 % discount on forest insurance.

Damage to home and holiday home contents outside the place of insurance, in Finland and other Nordic countries, is indemnified up to 7,000 euros.

Comprehensive motor vehicle insurance policies at reduced prices

As a member of the Finnish Medical Association, you get a discount on a new Super Motor Insurance and Standard Motor Insurance for a passenger car or van in private use, and on a new Maxi Motor Insurance policy for a campervan or caravan.

  • 10 % discount on the first year of Super Motor Insurance premiums.
  • 20 % discount on Standard or Maxi Motor Insurance premiums for the first 12 months.

60 % increase on life insurance free of charge

We offer Finnish Medical Association members and their spouses living in the same household a cost-free 60 % increase in the amount of life insurance benefit. This benefit applies to new insurances and the amount of life insurance benefit must be between EUR 10,000 and 50,000. The amount of the cost-free increase will be confirmed annually, and this 60 % increase will be valid in 2023.

Services and benefits for entrepreneurs

We provide services that make entrepreneurs’ hectic everyday life easier and support the company's business. These include OP Business mobile, a service that goes wherever you go, as well as services related to business risk management. More detailed information on our services for entrepreneurs can be found at the bottom of the page.

Entrepreneurs get the same benefits for home and family insurance, life insurance and motor vehicle insurance. Entrepreneurs can also take advantage of the unique benefits offered to our owner-customers.

Miehet vaeltamassa turvallisin mielin, kun terveysvakuutus on kunnossa.
Health insurance for an adult
Insurances included in the membership of the Finnish Medical Association

Patient Insurance

The insurance covers personal injuries that occur in connection with healthcare or medical treatment in accordance with the Patient Injury Act. You belong within the scope of the Patient Insurance if you are self employed. Claims are handled by the Finnish Patient Insurance Centre. This policy is valid in Finland.

Professional Liability and Legal Expenses Insurance

This insurance covers loss or damage related to an Finnish Medical Association member’s activities as an employee or civil servant. You belong within the scope of the insurance, if you are an approved medical practitioner or carry out your work as a medical practitioner as an employee or holding a position or an office in accordance with the Health Care Professionals Act. The insurance cover is valid throughout the Nordic countries.

Organisational Insurance

The insurance is valid in events organised by the Finnish Medical Association throughout the world.  You are also covered under the traveller's and luggage insurance, which is valid in events organised by the association.

Insurance benefits for the members of the Finnish Medical Association

Home insurance

Our home insurance conveniently provides coverage for your home and home contents on a single policy. Home insurance protects your home and holiday home, as well as their contents, from burglary, fire and sudden damage due to leakage, for example. The insurance also provides the home insurance required for rented homes.

Travel insurance

Our travel insurance consists of traveller's insurance and luggage insurance. Traveller’s insurance provides cover for accidents that occur and illnesses you contract during travel. Luggage Insurance covers your luggage anywhere in the world. Moreover, travel insurance covers travel cancellations and interruptions as well as missed and delayed departure.

Valuables insurance

Our valuables insurance covers items you carry outside your home. Such valuables include, for example, expensive musical instruments, cameras, lenses, watches and jewellery. Valuables insurance is valid throughout the world, covering your valuable property wherever you go.

Comprehensive motor vehicle insurance

Comprehensive motor vehicle insurance is a voluntary car insurance policy that covers losses to your car. Because motor liability insurance, which is mandatory for all motor vehicles, only covers personal injuries to yourself and the adverse party and damage to the adverse party’s vehicle, you will need comprehensive motor vehicle insurance to cover damage caused in an accident to your own vehicle.

Life insurance

Life insurance will help your loved ones financially if you die due to illness or injury. Lump-sum compensation payable under the life insurance helps you ensure that your death does not leave your loved ones in a financially difficult position. It makes coping with everyday in a difficult situation just a little easier.

Small boat insurance

Boat insurance provides comprehensive cover for your small boat for accidents or damage occurring afloat or in the harbour. The insurance covers your boat for damage caused by collision, storm or vandalism, as well as for damage during transportation or when docking. In addition, boat insurance always includes a liability and legal expenses insurance, in which those insured include the boat owner, holder and driver.

Legal expenses insurance and general liability insurance

You may inadvertently cause another person a loss for which you are liable. Through no fault of your own, you may also find yourself in a situation where you need legal aid defend your rights. The insurance also applies to your family members living in the same household.

Services for entrepreneurs

We provide services that make entrepreneurs’ everyday life easier and support the company's business. We recommend the following services for entrepreneurs:

Risk management services

Business operations always involve risks. The better you are aware of your company's potential business risks, the better you can manage them and protect yourself against risks in advance through appropriate measures.

When we identify your company’s risks, we can help you to minimise the detrimental effects of risks and make use of the possibilities to take worthy risks.

OP Business mobile

Manage your company’s insurances and banking conveniently online. If you download OP Business mobile, you can also manage your transactions on a mobile device regardless of time or place. OP Business mobile includes the basic banking services for your company. You can also use a mobile invoicing service that supports your customer and product management. You can monitor your company's invoicing details and deliver invoices to your customers the way you want.

Service numbers for entrepreneurs

As an entrepreneur, you will get assistance in all your insurance matters on 0303 0303 (option 3, weekdays from 8 am to 10 pm). The same number provides support for matters related to Ilmarinen’s employee pensions. In insurance matters, you can also be in contact by email: yrityspalvelut@op.fi

If you have any questions related to your banking transactions, savings or investments, you can contact your local OP cooperative bank or call corporate services on 0100 05151 (weekdays from 8 am to 6 pm).

Pohjola Claim Help and Pohjola Hospital

Help is near in the event of an accident. You can find comprehensive instructions for loss events from the Pohjola Claim Help service. By entering the loss or injury you have suffered, you will receive instructions on how to get help as quickly as possible. If you are injured or fall ill, you can use the services of Pohjola Hospital to receive prompt and professional assistance. Pohjola Hospital provides devoted care and ensures that you can return to your everyday life as soon as possible.

Help is near in the event of an accident

In the event of an accident or injury, it is important that you get help as quickly as possible. This ensures that you can return to your everyday life as quickly as possible.

Pohjola Claim Help provides simple instructions in the event of loss, injury or damage and in finding our nearest partner, whether you have fallen ill, have broken your mobile phone or have been involved in a car accident. As an OP customer, you can also file a loss report via the OP mobile application as soon as the accident or injury has occurred. The quick instructions provided by Pohjola Claim and being able to file an immediate loss report make it easier to cope with unpleasant and unexpected accidents and losses.