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Protect your or your family’s finances in case of death or permanent disability caused by an accident

  • Our policy pays out a sum of money if you die or suffer a permanent disability as a result of an accident.
  • You don’t need to submit a health declaration to take out this insurance policy, making it a good option also for those who are not eligible for more comprehensive insurance cover for death or permanent disability due to their state of health.
  • You can choose the amount of cover without any upper limit, but it must always be at least 10,000 euros.
  • The policy will pay out a lump sum after the insured event is confirmed. In the case of a permanent disability caused by an accident, the insurance benefit will be paid to you, and in the case of death caused by an accident, to the beneficiary you have selected. 

Enjoy these benefits

  • Discounts available to all Nordea customers. If you have a loan with us, you receive a minimum 15% ongoing discount. If you don’t have a loan, you still receive a 10% ongoing discount.

  • K-Plussa benefits with your insurance. Connect your K-Plussa loyalty card to your insurance policies and earn Plussa points for insurance premiums.
  • You’ll get up to a 50% increase to your compensation amount for free. Automatic 25% increase (an additional benefit to be confirmed annually) and an opportunity to increase your compensation amount by 15–25% by exercising actively. This exercise-based bonus is only available with Nordea’s life insurance policies.

Which insurance policy should I choose?

Have you already tried our insurance calculator? The calculator will give you a recommendation for the right personal insurance for you.

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If you are not eligible for our death cover and cover for permanent disability in their entirety due to your state of health, you can take out cover for death or permanent disability caused by an accident. 

To apply for cover for death or permanent disability caused by an accident, fill in our contact form.

What does the insurance policy cover?
Price of insurance
Insurance terms and conditions and the issuer

What does the cover for death or permanent disability caused by an accident cover?

  • The policy covers permanent disability or death resulting from an accident. 
  • The insured is considered to be permanently disabled if they have lost their ability to perform the duties of any suitable occupation and earn a reasonable income. In the case of a permanent disability, a tax-exempt lump sum is paid out to the insured.
  • The policy covers accidental deaths caused by traffic accidents, slipping, falling and drowning, for example. In the case of death, a lump sum is paid out to the selected beneficiary.
  • You can choose the amount of cover you need. There is no any upper limit, but the amount of cover must always be at least 10,000 euros.
  • The insurance is valid until you turn 65.

What is excluded from the insurance policy?

The policy does not cover a permanent disability or death which does not result from an accident. As an example, a permanent disability or death caused by a critical illness is not covered.

For more detailed information about what is compensable under the policy, please see the product description and insurance terms and conditions.

Discounts

The price of your insurance policy depends on the amount of cover you choose. If you are a Nordea customer, you can get a discount on your insurance premiums.

  • 15% ongoing discount, if you have home loan, student loan or other secured loan with us
  • As our loan customer, you can also get a 15% an additional 5% payment method discount, if you choose to pay your insurance premium together with your loan instalment. The payment method discount does not apply to student loans.
  • 10% ongoing discount for all other Nordea personal customers
  • If you are not a Nordea customer, you can get the K-Plussa customer 10% discount by connecting your Plussa card to the insurance policy

Terms and conditions, product description and additional information (in Finnish)

Nordea MyLife well-being benefit

Cover for death or permanent disability caused by an accident is issued by Nordea Insurance Finland Ltd (Business ID 2868440-8) through its agent Nordea Bank Abp. 

Detailed compensation criteria and limitations on claims related to the different kinds of cover are stated in the insurance terms and conditions and in the product description specifying their meaning. General limitations on claims are laid down in the Finnish Insurance Contracts Act. Nordea Insurance Finland Ltd’s operations are supervised by the Financial Supervisory Authority (FIN-FSA). The Nordea MyLife app is provided in cooperation with Wellmo (Mobile Wellness Solutions MWS Ltd).

Do you want to be covered for accidental death or permanent disability?

Fill in our contact form and we’ll get back to you.

Fill in contact form

Do you need more comprehensive insurance cover?

Check our recommendation for you and get a quote.

Go to insurance calculator

Need help?

Personal customers