Using the Claims Service to report a loss

The Claims Service provides loss reports for most types of losses. Employees who have online access to corporate insurance policies can access the Claims Service loss reports at op.fi.

Employees who cannot access corporate insurance policies at op.fi can report losses and file a claim using the Claims Service at hae-korvausta.op.fi. 

Using direct links to report a loss in the Claims Service

In December, your company can introduce a new service that will enable your employees to report losses using the new Claims Service. You can provide your employees with a direct link to the accident report. We will post more information on our website when the service becomes available, but before that you can find out how the service and the new links work. 

How do I start using the service?

1) Occupational accident reports: 

Select the option that suits your business. If you want to allow your company’s supervisors or persons responsible for dealing with personnel, occupational safety and insurance matters to send your company’s loss reports concerning occupational accidents without approval to the insurance company for processing, select option A. 

If you select option B, the loss reports will be first submitted for approval to the person responsible for the personnel, occupational safety or insurance matters in your company and then sent to the insurance company for processing. With this option, an employee can file an accident report concerning their personal loss, but a company representative will then approve it at op.fi.  Under law, only employers can file reports on occupational accidents.

  • If your business has previously used the Link Service, you can switch to the new service immediately by sharing the links in your company’s intranet. In the Link Service settings, you can continue to update the list of persons who can approve loss reports. We will copy the information into this list in the new service. Please remember to update your information after any changes to your organisation.
  • If your business is a new user in the service, email us using the Enable the service button, and we will activate the service’s settings. In your email, include which link you want enabled and your company’s name, business ID and contact person’s details. We will email the contact person once the Link Service settings have been activated along with instructions on how to authorise the person who approves loss reports. In addition, enable the online service by signing an OP eServices Agreement for businesses.

See the bottom of this page for the links to loss reports for each type of loss.

Group accident reports:

If you want the loss reports submitted by your employees to be processed without approval, select option A. 

If you select option B, the loss reports will be first submitted for approval to the person responsible for the personnel, occupational safety or insurance matters in your company before they are sent to the insurance company for processing.

  • If your business has previously used the Link Service, you can switch to the new service immediately by sharing the links in your company’s intranet. In the Link Service settings, you can continue to update the list of persons who can approve loss reports. We will copy the information into this list in the new service. Please remember to update your information after any changes to your organisation.
  • If your business is a new user in the service, email us using the Enable the service button, and we will activate the service’s settings. In your email, include which link you want enabled and your company’s name, business ID and contact person’s details. We will email the contact person once the Link Service settings have been activated along with instructions on how to authorise the person who approves loss reports. In addition, enable the online service by signing an OP eServices Agreement for businesses.

See the bottom of this page for the links to loss reports for each type of loss.

Other types of loss: coming later 

The loss report links and services will be available in Finnish, Swedish and English. 

2) Post your chosen loss report link onto your company’s intranet  with your company’s policy number and business ID. The person submitting the loss report will need this information when reporting the loss. If possible, the intranet link should open on a separate tab to make it easier to copy the policy number and the business ID.

For more detailed instructions on how to file loss reports, see below. 

How to report a loss

1) Use the intranet link to open the loss report. Keep the policy number and the employer (policyholder) business ID at hand because you’ll need them for filing the loss report.  You will also need your online banking identifiers for identification. If possible, the intranet link should open on a separate tab to make it easier to copy the policy number and the business ID.  

2) The link will take you to the main page of the Claims Service and directly to the loss report for the type of loss you selected; for example, to the employee’s occupational accident report. 

3) On the Claims Service’s main page, fill in the company’s policy number and business ID. Then use your online banking identifiers or mobile ID to identify yourself for the Claims Service login. 

4) The loss report’s questions will be adapted as based on the information you provided earlier. Finally, check the report and send it.  

5) You will be notified once the claim settlement decision has been made. If we need further information, we will contact you.

Watch the video to see how to report losses using direct links.

The video is in Finnish, but our loss report services are available in Finnish, Swedish and English.

If the loss report needs approval from someone, such as the person handling your company’s insurance matters:

6) After you have filed the report, it will be saved at op.fi in the Insurance and claims section on the Drafts page.  

7) We will send an email to the person responsible for personnel, occupational safety and/or insurance matters in your company, informing them that a draft loss report has been saved.

8) The person who received the email will log into the op.fi service. The report can be found in the Insurance claims and losses section on the Drafts page. The approver checks the report and sends it to Pohjola Insurance for processing.

9) The report is then saved at op.fi and processed. You will be notified once the claim settlement decision has been made. If we need further information, we will be in touch with you.  

Watch the video to see how loss reports are approved. 

Occupational accident

Without approval (A): 

  • hae-korvausta.op.fi/#without-approval/employee-accident

With approval (B):

  • hae-korvausta.op.fi/#for-approval/employee-accident

Group accident

Without approval (A): 

  • hae-korvausta.op.fi/#without-approval/leisure-time-accident

With approval (B):

  • hae-korvausta.op.fi/#for-approval/leisure-time-accident

Other types of loss:

Coming later.