Health cover – Claim instructions

Health insurance provides compensation for the medical costs caused by an illness or accident

Health insurance provides compensation for the costs of treatments and examinations in Finland that are caused by an illness or accident. The most common costs to be compensated include doctor’s fees and costs of X-ray and MRI procedures and laboratory tests. Please note that health insurance does not provide compensation for the costs of medication. For more detailed information about what is compensable under the policy, please see the insurance terms and conditionspdf - Opens new window.

You can also read the product descriptionpdf - Opens new window and Key Information Documentpdf - Opens new window for more information about health insurance. (Documents are in Finnish.)

If you fall ill or have an accident, follow these steps:

1. Book an appointment with a physician

Book an appointment directly with the physician you want. You don’t need to contact the insurance company at this point.
We recommend you use the services of our partner Terveystalo. The easiest way to book an appointment is to use Terveystalo’s online servicesOpens new window.
You can book either a physical or remote appointment.
Pay the appointment after you have visited the physician.

2. Make a claim online

After you have seen the physician, fill in our claim form online.
Log in to Nordea’s Insurance self-serviceOpens new window. (in Finnish)
Fill in the digital claim form under ‘Korvaushakemukset’ in the details of your MyLife insurance.
When you fill in the form, you need to have the information about your medical expenses at hand.

3. Payment of the compensation

Once we have processed your claim, we will send our decision to you in Nordea Mobile and Netbank or Nordea Omaposti and pay the compensation to the account you have stated.

Need any help?

If you need more information about insurance claims, please call Nordea Insurance Customer Service on 0200 22320 (local rates apply). Service is available Mon–Thu 8.30–16.30 and Fri 10.00–16.30.

If your business is not urgent, you can also send a message from Nordea Mobile or Netbank. Select ‘Insurances’ as the topic.

Frequently asked questions about health insurance

What expenses are covered by health insurance?

Health insurance provides compensation for the costs of examinations and treatments in Finland that are caused by an illness or accident. To be eligible for compensation, the illness must have started or the accident must have occurred during the validity of the insurance cover.

For more detailed information about what is compensable under the policy, please see the insurance terms and conditionspdf - Opens new window. You can also read the product descriptionpdf - Opens new window and Key Information Documentpdf - Opens new window for more information about health insurance. (Documents are in Finnish.)

The most common costs to be compensated are:

doctor’s fees
costs of X-ray and MRI procedures and laboratory tests
costs of five physical treatment sessions prescribed by a doctor in connection with a compensable surgical operation or the treatment of a fracture
costs of dental treatment resulting from an accident, excluding examination and treatment costs resulting from an injury caused by occlusion
treatment costs resulting from plastic surgery after breast cancer or an accident
daily hospital fees.

Costs of medication are not compensated.

Is there a deductible in health insurance?

Yes. The deductible in health insurance is fixed and it is 150 euros per insurance period. You will only need to pay the deductible once in an insurance period. The insurance period is one year.

Example: You fall ill and make a claim on medical treatment expenses for the first time in the insurance period. The treatment expenses are 250 euros and your deductible is 150 euros. The compensation paid to you is 100 euros. You fall ill again and make a claim on a new treatment expense of 170 euros during the same insurance period. As you have already paid the full deductible during this insurance period, nothing is deducted from the second compensation, and you are paid 170 euros.

You can check your insurance period and deductible in our Insurance self-service.

Do I need to deliver the receipts to the insurance company?

You don’t need to deliver the receipts from doctor’s appointments or health care facilities to us when you make a claim. You should, however, keep them for 12 months.

How does a payment commitment work?

If you need more extensive examinations or a surgery, for instance, as a result of an accident, the health care facility may request a payment commitment from the insurance company in advance. If this is needed, the health care facility will ask which insurance company you have, and then send the request for a payment commitment directly to us. We will process the request as soon as possible and get back both to the health care facility and you with our decision to either approve or reject the payment commitment. The health care facility will then usually contact you to discuss the necessary examinations and treatments.

If you have not yet paid the deductible in the current insurance period, we will let you know how much the deductible is in connection with the payment commitment. The health care facility will then charge the deductible from you and we will pay the rest to the health care facility.

Health insurance gives you quick access to treatment if you fall ill or suffer an accident