Vakuutusedut ammattiliiton jäsenille

Insurance benefits of Academic Agronomists

As a member of the Finnish Association of Academic Agronomists, you will be automatically insured, and you can also purchase insurance for yourself and your family at member prices

Automatic insurance cover for the members of the association

When you become a member of Academic Agronomists, you will be automatically covered by insurance chosen by the Association. Read more about these insurance policies at the bottom of the page.


Insurance for you and your family at member prices

Request an offer for the policies you want and receive a discount by stating that you are member of the Academic Agronomists and your membership number.


Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Members of the Finnish Association of Academic Agronomists get up to 20 % off home and family insurance

As a member of Academic Agronomists, you can get discounts on your home and family insurance policies for up to three years. Your family members may also be covered by the insurance policies. Insurance for home and family includes home insurance, legal expenses insurance, general liability insurance, health insurance, living allowance insurance, continuous travel insurance, valuables insurance and small boat insurance.
1st year: -20 %; 2nd year -15 %; 3rd year -5 %
Pohjola Claim Help 24/7

Comprehensive motor vehicle insurance for one year -20 %

Comprehensive motor vehicle insurance is an optional car insurance policy. You will be compensated against various panelling and glass losses and can be sure to receive help quickly.

As a member of Academic Agronomists, you get 20% off your car’s comprehensive motor vehicle insurance premiums during the first 12 months. This applies to Super Motor Insurance and Standard Motor Insurance for a car or van in private use, and a new Maxi Motor Insurance policy for a campervan or caravan. After the discounted year, the insurance policy will continue at normal price.

56 % increase on life insurance free of charge

We offer the members of Academic Agronomists and their spouses living in the same household a cost-free 56 % increase in the amount of life insurance benefit. The amount of life insurance benefit must be between EUR 10,000 and 50,000. The amount of the cost-free increase will be confirmed annually, and this 56 % increase will be valid in 2019.

Services and benefits for entrepreneurs

We provide services that make entrepreneurs’ hectic everyday life easier and support the company's business. These include OP Business mobile, a service that goes wherever you go, as well as services related to business risk management. More detailed information on our services for entrepreneurs can be found at the bottom of the page.

Entrepreneurs get the same benefits for home and family insurance, life insurance and motor vehicle insurance. Entrepreneurs can also take advantage of the unique benefits offered to our owner-customers.

Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult

Professional group liability and legal expenses insurance

What does the insurance cover?

The insurance covers ordinary members of the Union when working in their position, performing their duties or acting in their profession. The insurance does not cover such an exercise of profession taking place as a registered private trader or under any company form. Members who have joined the Union during the insurance period will be insured from the beginning of their membership.

The liability insurance covers physical injury and material damage caused to a third party in the insured operations and within the territorial limits of the insurance, in accordance with the insurance terms and conditions. Legal expenses insurance covers any necessary and reasonable legal expenses incurred as a result of resorting to legal counsel in a disputed civil case, criminal case or non-contentious civil case in accordance with the insurance terms and conditions. Liability and legal expenses insurance is valid in the Nordic countries.

Sum insured and deductible

The sum insured under general liability insurance for bodily injury or material damage is 100,000 euros per loss. The deductible is 100 euros for each loss event. The sum insured under legal expenses insurance amounts to 10,000 euros per loss. The deductible is 15% of expenses, but no less than 150 euros for each loss event.

Instructions in case of loss or damage

If you sustain a loss or damage that is covered by the liability and legal expenses insurance, you should always first contact the Finnish Association of Academic Agronomists’ Head of Collective Bargaining Minna Hälikkä.

Minna Hälikkä,, tel. (09) 2511 1644

Organisational insurance

What does the insurance cover?

Under organisational insurance, those insured are members of the Finnish Association of Academic Agronomists, its member organisations, and the members and officials of these organisations when they are carrying out organisational duties and present at organisational events. Members are covered by traveller’s and luggage insurance and secondary comprehensive motor vehicle insurance.

Instructions in case of loss or damage

In the event of loss or damage, you should always contact the event organiser.

Patient insurance is a statutory insurance to cover patients' personal injuries. All companies, institutions and private entrepreneurs working in health care and medical treatment are required to take out this insurance.

As a member of Academic Agronomists, you are entitled to discounts on your home and family insurance policies as follows:

1st year:-20%
2nd year: -15%
3rd year: -5%

Home insurance

Our home insurance conveniently provides coverage for your home and home contents on a single policy. Home insurance protects your home and holiday home, as well as their contents, from burglary, fire and sudden damage due to leakage, for example. The insurance also provides the home insurance required for rented homes.

Health insurance

With our health insurance, you can get the best possible treatment whenever you need it. Health insurance can be tailored to your individual needs, allowing you to choose its extent and different types of coverage for illness and accidents. The insurance will ensure your speedy recovery, and even prevent a deterioration of your condition. In addition, the health insurance will allow you to benefit from various therapies ordered by your doctor.

Travel insurance

Our travel insurance consists of traveller's insurance and luggage insurance. Traveller’s insurance provides cover for accidents that occur and illnesses you contract during travel. Luggage Insurance covers your luggage anywhere in the world. Moreover, travel insurance covers travel cancellations and interruptions as well as missed and delayed departures.

Valuables insurance

Our valuables insurance covers items you carry outside your home. Such valuables include, for example, expensive musical instruments, cameras, lenses, watches and jewellery. Valuables insurance is valid throughout the world, covering your valuable property wherever you go.

Small boat insurance

Boat insurance provides comprehensive cover for your small boat for accidents or damage occurring afloat or in the harbour. The insurance covers your boat for damage caused by collision, storm or vandalism, as well as for damage during transportation or when docking. In addition, boat insurance always includes a liability and legal expenses insurance, in which those insured include the boat owner, holder and driver.

Living allowance insurance

Living allowance insurance provides financial coverage for you and those close to you if you are injured or die accidentally. The policy is also valid when you travel or do sports.

Legal expenses insurance and general liability insurance

You may inadvertently cause another person a loss for which you are liable. Through no fault of your own, you may also find yourself in a situation where you need legal aid defend your rights. The insurance also applies to your family members living in the same household.

We provide services that make entrepreneurs’ everyday life easier and support the company's business. We recommend the following services for entrepreneurs:

Risk management services

Business operations always involve risks. The better you are aware of your company's potential business risks, the better you can manage them and protect yourself against risks in advance through appropriate measures.

When we identify your company’s risks, we can help you to minimise the detrimental effects of risks and make use of the possibilities to take worthy risks.

OP Business mobile

Manage your company’s insurances and banking conveniently online. If you download OP Business mobile, you can also manage your transactions on a mobile device regardless of time or place. OP Business mobile includes the basic banking services for your company. You can also use a mobile invoicing service that supports your customer and product management. You can monitor your company's invoicing details and deliver invoices to your customers the way you want.

Service numbers for entrepreneurs

As an entrepreneur, you will get assistance in all your insurance matters on 0303 0303 (option 3, weekdays from 8 am to 10 pm). The same number provides support for matters related to Ilmarinen’s employee pensions. In insurance matters, you can also be in contact by email:

If you have any questions related to your banking transactions, savings or investments, you can contact your local OP cooperative bank or call corporate services on 0100 05151 (weekdays from 8 am to 6 pm).

Pohjola Claim Help and Pohjola Hospital

Help is near in the event of an accident. You can find comprehensive instructions for loss events from the Pohjola Claim Help service. By entering the loss or injury you have suffered, you will receive instructions on how to get help as quickly as possible. If you are injured or fall ill, you can use the services of Pohjola Hospital to receive prompt and professional assistance. Pohjola Hospital provides devoted care and ensures that you can return to your everyday life as soon as possible.

In the event of an accident or injury, it is important that you get help as quickly as possible. This ensures that you can return to your everyday life as quickly as possible.

Pohjola Claim Help provides simple instructions in the event of loss, injury or damage and in finding our nearest partner, whether you have fallen ill, have broken your mobile phone or have been involved in a car accident. As an OP customer, you can also file a loss report via the OP mobile application as soon as the accident or injury has occurred. The quick instructions provided by Pohjola Claim and being able to file an immediate loss report make it easier to cope with unpleasant and unexpected accidents and losses.

Life insurance is granted by OP Life Assurance Company Ltd. The other insurance policies are granted by Pohjola Insurance Ltd.