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Health Insurance

With medical expenses insurance, you secure high-quality treatment and an efficient clinical pathway for your personnel, and also shorten absence due to illness.
1

High-quality treatment and fast recovery

Health insurance helps you maintain the health and well-being of your personnel at work. Pohjola Hospital and our other medical partners help us to ensure timely and high-quality treatment.

2

A significant employee benefit

You can obtain insurance for your personnel, regardless of each person’s state of health, as the insurance also provides cover for existing illnesses. Besides enhancing your staff’s commitment, it’s a recruitment advantage as well.

3

Pohjola’s Health Advisor at your service

The Health Advisor will provide you with an expert opinion on your symptoms and instructions for self-care, or issue instructions for seeking appropriate medical care. Please contact him/her by phone or on the chatline.

Pohjola Health Insurance - High-quality and prompt care thanks to medical expenses insurance

Health insurance is a voluntary medical expenses insurance with which you can complement the statutory insurance protection of entrepreneurs and personnel as well as the occupational health services. This policy guarantees fast access to treatment and the highest standard of care for your entire personnel. The policy covers examination and medical treatment expenses in Finland incurred through illness or injury.

The work of an entrepreneur or self-employed person and an employee is often so important that even short absence incurs significant costs. It pays to invest in an efficient clinical pathway. If members of your staff fall ill, their insurance will enable them to promptly get good care. The capacity for work will be regained faster, and the sick leave will be shorter when it is possible to avoid long queues to examinations and surgical operations. Fewer and shorter sick leaves mean lower costs for your company, and more realistic budgeting.

Comprehensive medical expenses insurance is a benefit appreciated by your staff as well. It is an excellent way to reward and engage employees as well as create a positive employer image. Health insurance offered to the entire personnel is, as a rule, a fringe benefit exempt of tax.

Digital insurance services at your disposal

Pohjola Insurance provides you with various digital services that make it easier for you to manage your insurance transactions and make your work smoother. Learn more below and be sure to also check out our free digital services for companies!

OP Digital insurance card

Digital insurance card

Employees have fast access to insurance information and instructions
If an employee falls ill or is injured, the insurance card advises on what is covered by the employer’s insurance and where they should seek treatment. By presenting the card when coming in for treatment, medical expenses are charged from insurance.
Read more
Pohjola Health Advisor at your disposal

Pohjola Health Advisor

Health advice on chat and by phone
Pohjola Health Advisor offers mobile health advice! The application and telephone service are available without charge when you have taken out staff insurance policies with Pohjola Insurance. Get a fast expert opinion on your symptoms and instructions for self-care, or a referral to suitable medical care.
Read more

How it works

  Request a quote Enter your contact details in the form and we’ll contact you.
 
  Our specialist’s proposal We’ll chart your company’s risks with you and tailor insurance cover that suits those risks.
 
  You’ll decide how to proceed Our offer is not binding on you. Take your time to read it and make your decision.

Medical expenses insurance tailored to your organisation’s needs

Health insurance suits all kinds of companies, regardless of size. We offer four separate alternatives from which you can freely choose the one best-suited to your needs.

Choose service level (1/4)

Basic

Compre­­hensive

Extra

Super

Supplements your occupational health care agreement        
Can be issued without health information entries        
Digital insurance card        
Surgery at Pohjola Hospital or our partner clinics        
Post-surgery physiotherapy        
Examinations and treatments by a specialist        
Direct access to a general practitioner or specialist for treatment        
Physiotherapy prescribed by a doctor        
Choose freely from any hospital/clinic        
Medication        
  • Covering drugs in addition to examinations, care, operations and extensive physiotherapy, Super Health Insurance provides the most comprehensive insurance cover. Hospitals/clinics and pharmacies invoice Pohjola Insurance directly.
  • Extra Health Insurance provides access directly to a GP or a specialist physician without consultation with the occupational health care service. This policy covers examinations, care and operations. The Extra Health Insurance comes with an insurance period-specific deductible.
  • Comprehensive Health Insurance is a complete complement to the occupational health care services. A company doctor’s referral will give you access to a specialist at the Pohjola Hospital or our other medical partners. The policy covers examinations, treatment and surgery, performed and prescribed by a specialist. Physiotherapy is also covered when available as an alternative to surgical care.
  • Standard Health Insurance lets you prepare for extended sick leaves that threaten your capacity for work. This policy covers the costs of examinations and care related to operations and specified serious diseases. The Surgery Cover covers operation performed by partner surgeons and related direct costs. The Critical illness insurance covers expenses arising from examination and treatment of cancer, myocardial infarction, stroke or multiple sclerosis.

90% of all short absences from work are due to illness, not accidents. Many injuries caused by accidents have an illness (degenerative changes and wear) as the root cause; thus, a Health Insurance policy guarantees effective treatment of those as well.

Support for maintaining health and capacity for work through a variety of therapy services

According to KELA’s sick leave statistics, musculoskeletal diseases and mental disorders are a threat to employees’ capacity for work.

The Basic, Extra and Comprehensive Health Insurance provide unique opportunities for therapy. Our goal is to support the health and well-being of entrepreneurs as well as employees, and to promote function capacity in accordance with the resources of each individual.

Psychotherapy provided by a psychotherapist (up to 20 sessions) helps to proactively prevent mental disorders. Furthermore, in connection with a serious illness the insurance covers physiotherapy, psychotherapy, neuropsychotherapy, occupational therapy, speech therapy a maximum of 20 sessions each. In cases involving knee and shoulder injuries and illnesses, we cover costs for physiotherapy in lieu of surgical treatment.

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Corporate Travel Insurance
A cost-effective way of preparing for surprising damages with employees travelling abroad.

The company must provide Pohjola Insurance with current and correct information on employees covered by Health Insurance.

We want to make the administration of your company’s insurance policies as easy as possible. You can easily report changes in the personal data of employees covered by Health Insurance in the Insurance section of op.fi.

Health insurance offered to the entire personnel is, as a rule, a fringe benefit exempt of tax. Read more.

The insurer is either Pohjola Insurance or A-Insurance Ltd. The losses will be covered in accordance with the law and the insurance terms and conditions.