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Farmer, cover your working capacity!

Active support and complete solutions for maintaining capacity for work on farms

The importance of capacity for work is emphasised in agricultural work, but the farmer’s own health and capacity for work is often overridden by the farm work. By investing in health, capacity for work and high-quality medical care, you will ensure that you will be able to continue to work in the future.

Working capacity cover for farmers supplements the insurance cover provided by Mela and offers you quick and high-quality medical care to speed up return to work. We provide you with easy tools to maintain health and capacity for work.

The working capacity solution covers your health and working capacity

As your work involves many risks, we recommend that you arrange occupational health care services for yourself. With Health Insurance, on the other hand, you can ensure that you get help quickly in the event of an illness or accident and can return to work as soon as possible.

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

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. 

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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.