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Changes to occupational accident insurance for entrepreneurs as of 1 January 2023

We will transfer our occupational accident insurance policies for entrepreneurs from the old system to the new system as of 1 January 2023. This will affect your policy code and use of our services, among other changes.

We have put together information about the changes and what action is required from you on this page.

The changes will have no effect on the content of your insurance cover, but certain changes may require action from you and will affect your use of our services from 1 January 2023.

If your policy code already begins with 78, your insurance is already in the new system and the changes mentioned here will have no effect on you.  

What will change on 1 January 2022?

  • Changes will be made to the insurance policy and insurance billing.
  • Your policy code will change.

​We will send you a letter describing the changes to your insurance policy between September and October by post. When you receive the letter, please read the letter. The letter will explain the changes and what is required from you in more detail.

New policy document and billing

We have made clarifications to our insurance documents such as the policy document and insurance bill to ensure easier readability. We will send your new self-employed persons’ accident insurance policy document to you in November and the bill in December. Read more about corporate insurance invoicing.

When you receive the policy document and bill:

Do you have a joint policy code with other entrepreneurs in your company, or do your occupational accident insurance policy for entrepreneurs and the occupational accidents and diseases policies of your company share the same policy code?

Previously, the insurance contract could have included occupational accident insurance for more than one entrepreneur, but from now on, all occupational accident insurances for entrepreneurs will have separate policy codes. We will send each entrepreneur a separate insurance contract and bill.

We will also move employees’ accident insurance to a separate policy code.

We want to provide a better service for you and your company.

We will continue to provide insurance for you and your business in the future.

We have compiled information about the changes to your insurance policy by topic below. Please be sure to read them carefully. If you have any questions, contact our service number for statutory insurance at 0100 5335 (call charges: local network rate / mobile network rate)

More information about the changes:

Your policy code is changing

Why are the policy code and insurance services changing?

We will transfer occupational accident insurance for entrepreneurs to the new system. The transfer is related to Pohjola Insurance’s system upgrades, which have been years in the making. We are upgrading our insurance system and its related support systems, and the management of insurance policies and claims, one insurance product at a time. We transferred occupational accidents and occupational diseases insurance policies to the new system starting on 1 January 2022. Next to be transferred are occupational accident insurance policies for entrepreneurs. At the same time, we are also transferring certain occupational accidents insurance policies that are still in the old system.

Will the contents or price of my insurance policy change?

The changes will have no effect on your insurance cover. Nor will they affect the price of your insurance policy. Our insurance pricing factors remain unchanged.

Where can I find the latest information about occupational accident insurance for entrepreneurs?

Detailed information about your policies can be found at op.fi under the Insurance section.

I heard that the policy code for occupational accident insurance for entrepreneurs will change. Where can I find my new policy code?

You can find your new policy code on the policy document sent to you following the next annual revision, on your insurance bill, and in the Insurance section at op.fi. Your new policy code will take effect on 1 January 2023 in the format 78-xxxxx-xxxxx-x.

I had an accident. Which policy code should I use in my insurance claim?

Use the new policy code beginning with 78 to file claims for losses that occur on or after 1 January 2023. If the loss occurred before 1 January 2022, report it by using the policy code in use at the time of the loss.

Where can I find my old policy code?

To view all your insurance policies and their details, log in to the op.fi service and navigate to the Insurance section. We will send you your new policy document in November. The policy document lists the policy code of the old self-employed persons’ accident insurance policy that will expire on 31 December 2022 and that of the new policy that will enter force on 1 January 2023. From 1 January 2023 onwards, your previous policy code for occupational accident insurance will be shown in the op.fi service with the status “expired”.

 

Changes to billing

 

What is the first due date of the new occupational accident insurance for entrepreneurs?

We will mail you your insurance bill in December, with the due date in early January.

Will there be changes in the number of instalments of my insurance premium?

As of 1 January 2023, you can pay insurance bills in one or several instalments (2, 3, 4, 6, 12), depending on your choice.

If you are already using any of the above number of instalments, this will remain unchanged.

Where can I check the current number of insurance premium instalments?

You can check your current number of instalments at op.fi and change the number of instalments by sending us a message through our website or apps.

I received a policy document but no bill for the premium. Previously, the bill was sent together with the policy document. Where is my insurance bill?

From now on, we will send your policy document and insurance bill separately depending on your selected delivery method. You will receive your new policy document in November and the bill in December. You can also find them in your insurance details at op.fi. 

Will the account number for insurance premiums stay the same?

The new account number for occupational accident insurance for entrepreneurs and occupational accidents and diseases insurance premiums is FI81 5000 0120 4458 03. If you have other insurance policies at Pohjola Insurance, use the account number given in the insurance bill. Always check the bill for the correct account number. We have revised and improved the readability of the bill for occupational accident insurance.

If you are using a payment template saved in your online bank or financial administration software to pay insurance premiums, be sure to update them with the new account and reference numbers listed on the bill.

 

Changes to the op.fi service

 

What online bank user identifiers can I use to manage my company’s insurance affairs at op.fi?

You can manage your company’s insurance services by using either your personal or corporate online bank user identifiers.

My company already has an eServices Agreement. Why do I need to renew the agreement?

We are renewing our corporate customers’ eServices Agreement to the new Digital Agreement for Companies so that we can continue offering efficient new digital services. If you have not yet renewed the agreement, you can do so by logging in to insurance policies for companies at op.fi. Use of the op.fi service with the old eService Agreement will end in the coming months.

 

Accounting firms

 

I represent an accounting firm authorised by a client. How will the changes affect me?

Our policy codes for occupational accident insurance customers are changing. The new and old codes will be listed on the policy document and at op.fi in mid-November.

The new account number for occupational accident insurance for entrepreneurs and occupational accidents and diseases premiums is FI81 5000 0120 4458 03.