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Baby Insurance – protection for the mother and newborn baby when you take out insurance already during pregnancy

  • Protection for the baby without exclusions – no restrictive conditions are attached to insurance that is taken out during pregnancy.
  • Insurance for the baby in the event of certain serious congenital disorder, for example.
  • Also covers the expectant mother – we cover the cost if the mother needs long-term hospital care.
  • After the birth of the child, the baby insurance automatically continues as a child insurance policy and covers both illness and accidents.

Child Insurance – protection for your child through life

  • Direct access to a specialist without a referral – when you have child insurance for your child, you can choose the time and place of care, as well as the doctor.
  • Thanks to the direct reimbursement service If Suorakorvaus, the private medical centre handles the claim on your behalf and you usually only pay the excess. Remote doctor appointments are also covered.
  • Includes comprehensive accident insurance that covers many different types of accidents and musculoskeletal disorders.
  • Valid for all sports up to the age of 12 – your child does not need separate insurance with a sports licence.
  • Option to add extra cover for serious illness of the child.
Baby Insurance
Child Insurance
Eligibility for insurance and policy period
Terms and Conditions and Guides

Baby Insurance for unborn child

An insurance policy taken out before the birth of the child protects not only the baby but also the expectant mother. After the birth of the child, the insurance continues as a child insurance policy.

What does the Baby Insurance cover?
Long-term hospital care for the mother during pregnancy or after the birth, lump sum payment of EUR 2,000.X
Long-term hospital care for the baby (e.g. premature), lump sum payment of EUR 2,000.X
Serious congenital disorder or injury to the newborn baby, lump sum payment of EUR 10,000.  
X
Medical treatment costs due to illness or accident (e.g. private doctor appointments).
X
Prescription drugs (emollients and ointments are also included in the insurance)
X
If Suorakorvaus – the private medical centre makes a claim on your behalf via the direct reimbursement service and you only pay the excess. X
If Terveysneuvonta – this healthcare service gives you access to medical advice from a nurse 24/7.X
Permanent injury  - you will receive a tax-free payout if your child suffers permanent injury following an accident. X
Most common musculoskeletal disorders – you will be reimbursed for the child's medical expenses as a result of the most common musculoskeletal disorders (e.g. visits to a private doctor). X
Physiotherapy treatment due to accident – your child will receive support for recovery following injury or musculoskeletal disorders.X
Physiotherapy due to illness – your child will also receive support for recovery following an illness. X

Valid for all sports until the child turns 12 – you do not need separate insurance with a sports licence.

X

Read more about the contents of child insurance policies in the Insurance Guide. 

Child Insurance 7 days - 14 years

Doctor's appointments without having to keep track of lots of receipts? Child Insurance covers the child for illness and accidents and reimburses the cost of e.g. doctor's appointments and medicines.

What does the Child Insurance cover?

Illness

Accident, ComprehensiveAccident
Medical treatment costs due to accident – you will be reimbursed for the child's medical expenses as a result of injury (e.g. visits to a private doctor).XXX
Permanent injury – you will receive a tax-free payout if your child suffers permanent injury following an accident.XXX
If Terveysneuvonta – this healthcare service gives you access to medical advice from a nurse 24/7.XXX
Most common musculoskeletal disorders – you will be reimbursed for the child's medical expenses as a result of the most common musculoskeletal disorders (e.g. visits to a private doctor).
XX
Physiotherapy treatment due to accident – your child will receive support for recovery following an accident or musculoskeletal disorders.XX
Valid for all sports up to the age of 12 – your child does not need separate insurance with their sports licence.XX
Medical treatment costs due to illness – you will also be reimbursed for medical treatment costs as a result of illness (e.g. visits to a private doctor).X
Physiotherapy due to illness – your child will also receive support for recovery following an illness.X
If Suorakorvaus – the private medical centre makes a claim on your behalf via the direct reimbursement service and you only pay the excess.X

Read more about the contents of child insurance policies in the Insurance Guide.

Eligibility for Baby Insurance and Child Insurance and policy period

Baby Insurance

You can buy baby insurance during pregnancy from the 11th week of pregnancy (12+0) up to two months before the due date. Please note that you must have had a general ultrasound scan offered by the municipal health service before applying for insurance.

Child Insurance

Once the child is born, child insurance is offered from the time the child is 7 days old up to the age of 14. We recommend that you take out insurance as soon as possible, before your child has had time to suffer from illness. This way, you get the most comprehensive insurance cover for your child without any restrictive conditions.

Health Declaration

After you buy child insurance you must fill in a form with details of the child’s health. If you apply for child insurance during pregnancy, we ask questions about the health of the expectant mother. You can easily fill in the health information after the purchase on If’s My pages section. Remember to fill in your health declaration within 14 days of taking out insurance. Please note, however, that the insurance will only take effect after you have completed your health declaration. Accident insurance takes effect immediately and is provided without a health assessment..

Policy period

  • Child Insurance: valid up to the age of 80
  • Comprehensive Accident Insurance: valid up to the age of 80
  • Accident Insurance: valid up to 100 years of age

 

The insurance provider is the Finnish branch office of If Skadeförsäkring AB (publ) of Sweden..

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