Health Insurance
Insurance against illness or accident.The best time to get health insurance is now
Do not waste time with insuring your health. By taking out Pohjola Health Insurance while you are healthy, any illnesses or injuries you may experience later will not affect your health insurance coverage. Pohjola Health Insurance ensures fast access to medical care in the private and public sectors in Finland.
Choose the coverage you want for your health
You can choose between three options for your scope of Pohjola Health Insurance: accidents and illnesses, comprehensive accident insurance, or accidents only. You can also supplement Health Insurance with the additional cover options you want.
Financial security for you and your loved ones
Pohjola Health Insurance also includes living allowance insurance in the event of permanent disability or death. You or your loved one receive financial support if you are permanently injured or die as the result of an accident.
Cover for all stages of care
The broad coverage for Health Insurance gives you cover throughout all stages of your care, from diagnosis and treatment to rehabilitation. Health Insurance also helps you return to daily life and covers the purchase costs of necessary medical aids.
Health Insurance grants you access to Pohjola Health Advisor
If you fall ill or are injured, the first thing to do is contact the Health Advisor by phone or in the app. Our Health Advisor will schedule you an appointment with a suitable specialist or give home care instructions if a visit to the doctor is not necessary. At the same time, you can receive a decision on your insurance claim. This way, you do not need to submit a separate loss report and you pay only the deductible when visiting our partner doctors.
Health insurance discount for prime customers
When you are a Pohjola Insurance prime customer, you receive a discount on our health insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurance policies conveniently online.
Health Insurance throughout your life
Health Insurance accompanies you throughout your life and covers the costs of illnesses and injuries based on the coverage you choose. Health insurance provides health cover for people of all ages, and at its earliest, it can even be taken out for an unborn child after the foetus has been screened for structural anomalies. In addition to buying insurance for yourself, you can easily buy health insurance for another person like your spouse or child. Health Insurance is always valid until the age of 100.
What will Health Insurance cover?
The most comprehensive Health Insurance option covers the treatment costs of illnesses and accidents, medications and rehabilitation costs to a maximum compensation of up to 200,000 euros. Health insurance ensures you fast access to treatment and the best possible care with both private practitioners and in public health care in Finland. With Health Insurance, you can focus on recovering from an illness or accident without worrying about high medical expenses and medication costs.
Obligatory health declaration – fill in conveniently online
Our decision to grant you health insurance and the insurance’s validity are based on the information you provide in the health declaration. The health declaration asks about your current health before we grant the insurance. Any exclusions to your Health Insurance are based on the information you give in the health declaration.
The health declaration will be sent to you in the op.fi service once you have bought the health insurance in the online store and confirmed the purchase. You will be able to conveniently fill in the declaration by logging in to the service with the online user identifiers of your bank. Please note that if we deem you eligible for health insurance, the insurance will only become valid after we have received and processed your health declaration.
Health Insurance - Cover that meets your needs
At best, Pohjola Health Insurance covers against both illnesses as well as accidents. However, you can choose a Health Insurance policy with just the cover you need. For example, you can take out Health Insurance as an additional cover to your existing occupational health care.
Additional covers in Health Insurance
You can supplement your Health Insurance with exclusive additional cover options. For example, we cover physiotherapy expenses also as an alternative to surgery. In issues related mental health, Pohjola Health Insurance also covers the costs of psychotherapy. Health Insurance also covers expenses arising from a carer or home adaptations necessary to allow you to live at home despite your illness or injury.
Health Insurance always covers outdoor exercise and fitness training. If you practice sports in a sports club or take part in competitions or matches, you can receive coverage for competitive sports either by adding athletes’ covers to your Health Insurance or by taking out a separate Sports Cover through your club. Sports Insurance may also be necessary if you practise high-risk sports. In this case, check your Health Insurance coverage with our customer service.
The Pohjola Health Advisor service assists you when you fall ill or are injured
When you protect your health with Pohjola Health Insurance, you will also have access to the free-of-charge Pohjola Health Advisor service. In the service, experienced healthcare professionals give you advice and instructions on your health concerns.
If you fall ill or are injured, please contact a health advisor by phone at 0100 5225 or via the Pohjola Health Advisor app. The health advisor will give you home-care instructions or schedule an appointment with a suitable doctor for you. By first contacting the health advisor, you do not need to file a separate loss report. You can also receive a claims decision at the same time, in which case you only need to pay the deductible when using the services of our partner hospital or clinic.
