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Comprehensive cover for farmers

All you need to protect your health, capacity for work and finances

Every day is important on a farm and it is worth preparing for unpleasant surprises. Comprehensive cover for farmers supplements the insurance cover provided by Mela and guarantees you quick and high-quality treatment in the event of accidents or illnesses. Comprehensive cover also provides you with the financial security to assure your income.

How does full cover for farmers supplement Mela’s insurance cover?

Agricultural entrepreneurship involves many risks, and that is why we recommend that you arrange adequate occupational health care services for yourself. Health Insurance medical treatment expenses insurance ensures that you get treated quickly in the event of an accident or illness and that return to work is as efficient as possible.

Full cover for farmers also provides you with income security and protection of earnings and supplements your pension cover in the event of disability. Disability insurance and life insurance ensure your ability to repay loans and the livelihood of your family.

The Farmers' Social Insurance Institution (Mela) provides your enterprise with a comprehensive insurance cover, supplemented by the solutions included in the full cover for farmers. Farmers’ pension insurance (MyEL) is the foundation of your social security. Farmers’ occupational accident insurance (MATA), in turn, is a statutory insurance against accidents and occupational diseases caused by agricultural work. MATA is automatically valid as part of the mandatory MyEL insurance policy. We recommend that you also protect your free time with a comprehensive leisure-time accident insurance (leisure-time MATA).

Ensure that your insurance cover at the Farmers' Social Insurance Institution (Mela) is up to date. Remember to also report any income from a subsidiary occupation to Mela.

If you have subsidiary occupation activities in accordance with the Act on the Taxation of Business Profits and Income from Professional Activity, you must insure the working hours of the subsidiary occupation separately with self-employed persons’ accident insurance. Remember to insure leisure time too.

Learn more about Self-employed persons’ accident insurance

An accident or illness may strike while travelling, both in Finland and abroad. With corporate travel insurance, you receive prompt assistance with various accidents that happen on the road, such as cases of illness. Travel insurance also protects your company’s finances in the event of an accident.

Arranging occupational health care is not statutory for farmers, but it is recommendable. Regular health monitoring and assessment of the working conditions is also beneficial for you. So make a contract for occupational health care or arrange at least regular health monitoring for yourself.

With Health Insurance, you can ensure that you get help quickly and can return to work as soon as possible. We recommend that you select Extra Health Insurance Cover as the scope of your health insurance. It is suitable as a medical treatment expenses insurance for farmers. It covers treatment expenses of general practitioner and specialist-level medical care. 

Disability insurance protects you in the event of temporary or permanent disability. It also reduces the financial risks of an entrepreneur and secures the continuity of your business.

If something happens, life insurance helps your loved ones and enterprise cope in a crisis situation. Life insurance also protects the personal property used as collateral for corporate loans.

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Farm Production Insurance
MYEL insurance
Farmers who are insured with MYEL pension insurance are also automatically covered by farmers’ occupational accident insurance, called MATA insurance. In addition to mandatory MYEL and MATA insurance, make sure that you are covered by sufficient voluntary personal insurance.