Health declaration for life insurance and critical illness insurance

OP Life Insurance and OP Critical Illness Insurance are granted based on a health declaration. You must always complete a new health declaration when you apply for insurance or wish to raise your insurance payout with a new policy. On this page, we have collected instructions to help you complete the health declaration.

What is a health declaration?

A health declaration is a questionnaire we use to record your health information in order to grant insurance.

If the insurance can be granted, it will enter into force on the date the health declaration was submitted. You may receive an automated insurance decision immediately after submitting the health declaration. If your health declaration needs to be reviewed by our experts, you will be notified when your insurance decision has been made.

It’s always worth completing the health declaration because you can often be granted insurance even if you have a diagnosed illness. Possible pre-existing illnesses or past medical examinations may affect the price and scope of the insurance coverage granted to you.

Only our experts specialising in health declarations can access the information you provide.

It is important that you do not terminate any existing policy until you have received a decision stating that a new policy has been granted.

Where do I find the health declaration for life insurance and critical illness insurance?

You can find your incomplete health declaration by logging into the op.fi service and then navigating to Vakuutukset – Omat vakuutukset. At the moment, the health declaration for life insurance and critical illness insurance can’t be completed on OP-mobile.

Do I need to be fully healthy to be insured?

In the health declaration, we assess your current state of health. After you submit the declaration, we will let you know if we can grant you insurance.

In some cases, critical illness insurance can be granted under restricted terms or at a higher price. The life insurance premium can be increased.

Unfortunately, there are situations in which we cannot grant the insurance at all.

You will receive an insurance decision informing you whether the insurance was granted and whether any restrictions were imposed and detailing the price of the insurance.

How much time should I reserve to complete the health declaration?

Choose a moment when you can complete the health declaration undisturbed and have enough time to carefully answer each question. The time required to complete the declaration depends on the amount of additional health information required. If required, you can save an incomplete health declaration and continue later.

Will I be asked for additional information concerning the health declaration?

We may need information in addition to that you provide in the health declaration. Our experts will contact you if we need any additional information about your health for the insurance decision.

Can the same health declaration be used for several insurance applications?

If you apply for life insurance and critical illness insurance at the same time, you only need to complete one health declaration.

For example, if you apply for health insurance, you are required to complete a separate health declaration. You can find all your incomplete health declarations at op.fi, on the insurance homepage.

What happens after I complete the health declaration?

After we process your health declaration, you will receive an insurance decision. If the insurance can be granted, it will enter into force on the date the health declaration was submitted.

After submitting the health declaration, if you notice that any information is missing, please contact our Customer Service.

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