If You youth Insurance is a ready-made package solution for those aged 18-28. It offers protection for your home, when you travel and in the event of an accident – at a far lower price than normal.
Affordable comprehensive cover for young people
Home insurance provides protection for all important items in your home, such as furniture, home electronics, household appliances and sports and leisure equipment. The insurance also covers damage to surface materials and fixtures and fittings in your tower block flat or terraced house and covers you for third party damage and injuries and any criminal proceedings and disputes.
Travel insurance covers you for sudden illness or accidents when travelling abroad. It ensures that you receive rapid care, reimburses medical and hospital costs and also covers the costs if your trip is cancelled for reasons beyond your control. Damage to your luggage is covered by your home insurance.
The travel insurance policy offers continuous cover and you don’t need to take out separate cover for each trip. The insurance is valid for trips abroad lasting no more than 45 days. For longer trips, you can purchase add-on cover for a single trip.
Personal accident insurance covers the cost of treatment as a result of an accident. It also covers permanent injury following an accident and accidental death. The protection applies everywhere in the world 24/7.
Read more about the situations in which If You youth Insurance applies and what it covers.
Read more in the If You Insurance Guide.
If You insurance is offered to persons aged 18-28 who are covered by the Finnish Health Insurance Act. The policyholder must be a Finnish resident in accordance with the Municipality of Residence Act, and must also ordinarily live in Finland.
The home insurance only covers personal possessions in Finland. Home insurance applies to items belonging to the policyholder and persons who permanently live in the same household with the policyholder. The insurance applies to the address stated in the insurance policy and temporarily anywhere in the world for a period of up to one year. It also provides cover for your possessions when you move and when you travel.
As a rule, the insurance covers normal exercise to maintain physical fitness, such as aerobics, jogging, floorball and gym.
However, cover for medical care and accident insurance for travellers do not apply to competitions, matches or training arranged by a sports association or sports club. Also excluded from the insurance are situations where the policyholder is undergoing training according to a fitness training programme or tries their hand at extreme sports. Such sports include sports climbing (with the exception of wall climbing using safety equipment), martial arts and self-defence sports, scuba diving and off-piste skiing.
Contrary to what is stated above, however, travel insurance does apply to the following activities:
A special price applies to If You insurance. The offer is only available when you purchase the full package. If any of these three policies are no longer in force at the end of the insurance period, your current If You insurance policies may be terminated or the If You package discount may be removed. When you turn 29, If You changes to normal insurance policies and the special price ceases to apply.
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