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Cover for employees’ capacity for work

Personnel’s capacity for work is the most important asset of your business

The working capacity cover for personnel protects your employees during work and leisure time and ensures quick and high-quality treatment and return to work in all situations. We also provide you with easy tools for maintaining health, capacity for work and occupational safety.

Illnesses have a significant impact on your employees’ ability to work and function, and you should pay special attention to their timely and effective treatment. We recommend that you arrange comprehensive medical care services for your personnel with a medical treatment expenses insurance that is available without needing to submit a health declaration. The recommended solution also covers old illnesses that were diagnosed before the policy was taken out.

What does the solution include?

Work and leisure time insurance solutions and services:

Occupational accidents and diseases insurance

Occupational accidents and diseases insurance

As an employer, you are obliged to insure your employees with an occupational accidents and diseases insurance policy.

All employees, whether in an employment or public service relationship and, by and large, partners and shareholders working for a company are covered on an obligatory basis. Entrepreneurs are insured with Self-employed persons’ accident insurance. Occupational accidents and diseases insurance is part of social security.

The insurance covers, for example:

  • Quick access to treatment and return to work in the event of an occupational accident
  • Treatment expenses
  • Loss of income
  • Compensation for a permanent disability
  • Rehabilitation
Comprehensive leisure-time accident insurance

Accidents happen more often during leisure time that at work. Ensure that your personnel have the opportunity for good and quick treatment. The employee will receive quick medical attention following an accident during non-working hours and will be back at work soon.

The insurance covers, for example:

  • Quick access to treatment and return to work in the event of a leisure-time accident
  • Treatment expenses
  • Loss of income
  • Compensation for a permanent disability
  • Rehabilitation
  • Accidents during sports activity

The insurance is valid everywhere in the world.

Occupational safety services

In a safe work environment, the conditions for performing work are in order and the work does not have an adverse effect on health. Improving occupational safety is an everyday job. We will help you identify the right measures to prevent injuries while ensuring safe work conditions and employees’ capacity for work.

We have compiled key tips for ensuring occupational safety. If necessary, you can contact our occupational safety experts.

Occupational health care

Preventative services
If your company has even one employee, at least preventative occupational health care services must be arranged for him or her.

What is included in preventative services?

  • Surveys of the workplace
  • Occupational safety cooperation
  • Health monitoring
  • Support regarding capacity for work
  • Guidance to rehabilitation
  • First aid training
  • Crisis support
  • Advice and guidance

 

Medical care

It is important for the success of your company that you invest in supporting the health and capacity for work of your personnel. 90% of companies have arranged general practitioner level medical care for their personnel in addition to preventative occupational health care services.

What does medical care cover?

  • General practitioner level medical care
  • Specialist consultations to support capacity for work
You can supplement preventative occupational health care services and general practitioner level medical care with accident insurance for work and leisure time as well as Health Insurance – you can use them to support the health and capacity for work of your personnel. 
Health Insurance medical treatment expenses insurance

Health Insurance is a medical treatment expenses insurance suitable for the whole personnel. With Health Insurance, you can ensure that an employee who has fallen ill can return to work as soon as possible.

You can choose the scope of the medical treatment expenses insurance, but we recommend Comprehensive Health Insurance to protect your personnel. Comprehensive Health Insurance supplements the medical care services of occupational health care as regards specialist-level medical care.