Health insurance

Health insurance - FAQ

Who can apply for health insurance and when will it expire?

Health insurance can be taken out by adults between the ages of 18 and 63. To be eligible, you must also reside in Finland, have a Kela card and have a good command of either Finnish or Swedish because we always conclude our agreements in one of these languages.

Health insurance remains valid until you turn 80.

What factors affect the price of health insurance?

The price of health insurance is customer-specific and based solely on your age.

Typically, the price of health insurance also depends on where you live, meaning that the insurance is more expensive for people living in cities. With our insurance policies, however, your place of residence doesn’t have an effect on the price.

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.

What’s the difference between health insurance and critical illness cover?

Health insurance provides compensation for the costs of examinations and treatments in Finland that are caused by an illness or accident. A critical illness cover pays out an agreed lump sum for eight different illnesses or medical treatments: cancer, MS disease, heart failure, acute balloon angioplasty, coronary artery bypass, stroke, renal insufficiency and major organ transplant. 

I already have a critical illness cover. Is it worth it for me to take out health insurance?

Health insurance and critical illness cover complement each other, and we recommend that you take out both of them. 

Health insurance is a continuous policy, which provides compensation for the costs of examinations and treatments caused by an illness or accident. A critical illness cover pays out a lump sum for eight different medical treatments or critical illnesses, including cancer and stroke.

What is a health declaration?

A health declaration is your notification of your current state of health to the insurance company. We will customise the insurance policy for you based on your health declaration. You can fill in the declaration online (in Finnish or in Swedish).