Pohjola Health Advisor
Quick and free assessment of need for treatment and guidance for an appointment to the right professionals. The Health Advisor will also handle the loss report for you.
The Pohjola Health Advisor service is available for all Pohjola Insurance customers daily 7–23 on 0100 5225 or via the Pohjola Health Advisor app chat.
• As a Pohjola Insurance customer, you have access to free health advice on whether you should see a doctor or how to treat your symptoms.
• When you contact the Health Advisor first, you will only pay the excess, if any, for the appointment.
• You will receive help with filling in the claim, as we take care of the loss report on your behalf.
• As our insurance customer, you can access the right care immediately. The Health Advisor will refer you directly to the appropriate professional or to a remote consultation. If there is no need to visit a doctor, you will get clear instructions for self care, ensuring your speedy recovery.
The cost of the call is the same as for normal local calls or domestic mobile call charges specified in your telephone service provider's price list.
The Pohjola Health Advisor service is provided by Pihlajalinna Lääkärikeskukset Ltd. The insurance services are provided by Pohjola Insurance Ltd.
The requirement for the free Pohjola Health Advisor service is that you have taken out a personal insurance, such as health insurance, with Pohjola Insurance.
See Pohjola Claim Help for more detailed instructions for various illnesses and accidents. OP Claim Help also provides information on what your insurance covers.
You will receive professional treatment quickly and will benefit from the contract prices offered by our partners! Claims and loss reports are also handled for you, as long as you have first contacted the Pohjola Health Advisor service.
Our partner network consists of a comprehensive offering of services and high-quality treatment. Treatment access times are short and they follow the contract times. The contractual prices offered by our partners will also bring savings to the maximum amount of compensation. Did you know that you are eligible to receive treatment for the contract price even if it became apparent during the treatment that your insurance does not compensate for the loss?
We co-operate with the following partner doctors:
Before booking an appointment, contact the Pohjola Health Advisor service in order to use our direct claims service. If you make a doctor’s appointment yourself, you must pay the medical expenses first yourself and apply for possible compensation later through OP eServices or OP-mobile.
The requirement for partner doctor benefits and free Pohjola Health Advisor service is that you have taken out a personal insurance, such as health insurance, with Pohjola Insurance.
See Pohjola Claim Help for more detailed instructions for various illnesses and accidents. OP Claim Help also provides information on what your insurance covers.
Pohjola Repair Advisor and other vehicle repair shop partners
Pohjola Repair Advisor shops provide professional vehicle repair services. The Repair Advisor will also handle the loss report for you. You will also receive a claim settlement decision and will only pay a possible deduction on your visit.
Pohjola Repair Advisor is at your service across Finland, and currently available in various localities. Repair Advisors are repair shop partners selected by Pohjola Insurance. They offer professional and smooth services.
In the event of motor vehicle damage, you can go directly to the nearest Repair Advisor shop. Our Repair Advisors will handle the loss report on your behalf. You can also receive a claim settlement decision from the Repair Advisor. Repair Advisors handle losses related to personal customers’ voluntary comprehensive motor vehicle insurance policies.
If there are no Pohjola Repair Advisor shops near you, you can make use of our comprehensive and highly professional repair shop partner network. Please note, however, that in this case, you must first file a claim either in the op.fi service or OP-mobile before turning to our partner.
Use the partner search function to find the nearest Pohjola Repair Advisor or our Repair shop partner.
You can use our Pohjola Repair Advisor service if you have comprehensive motor vehicle insurance at Pohjola Insurance.
For more information about Pohjola Repair Advisor and other partner repair shops at your disposal, please visit Pohjola Claim Help.
Windscreen repair partners
Windscreen repair partners will repair damage to your windshield and will handle the loss report for you. Pohjola Insurance’s windscreen repair partners are at your assistance throughout Finland.
Our windscreen repair partner will file the loss report and handle the insurance claim on your behalf. You will repair the window damage and take care of the insurance claim handily in one go.
For more information and your nearest windscreen repair partner, visit Claim Help.
The direct claim processing for windscreen repair partner’s service requires that your vehicle is covered by Windscreen Cover. Windscreen Cover is an optional additional cover in Pohjola motor vehicle insurance.
Pohjola Insurance vehicle emergency service
Prompt advice and help on the road. Vehicle emergency service will arrange for a replacement car and towing services, if necessary.
If your vehicle does not start or your journey is interrupted due to a punctured tire, for example, the vehicle emergency service will help you get your wheels rolling again.
As our insurance customer, you can call the vehicle emergency service on 0303 0303. The vehicle emergency service is open 24/7 every day of the year. We will give you instructions over the phone in case of problems on the road. We will also check your insurance cover . If necessary, we will arrange for a replacement vehicle and our partner REDGO to tow your vehicle.
You can also order a towing with an electronic form.
Towing costs are covered by the Emergency road service cover of your comprehensive motor vehicle insurance. Emergency road service is included in OP’s Super Motor Insurance, Standard Motor Insurance and Maxi Motor Insurance.
Replacement car service
In the event of a car or road accident, we will offer our insurance customers with a replacement car quickly and reliably. The replacement car service is provided by Pohjola Insurance’s partner Europcar or Avis.
You can make use of the replacement car service if your motor vehicle insurance includes an optional comprehensive motor vehicle insurance with consequential loss cover, in addition to motor liability insurance. As a Pohjola Insurance customer, you can check your insurance cover on OP eServices or on OP-mobile.
Gigantti – home appliance and consumer electronics partner
If your home appliance breaks, you get a discount on the price of a new appliance, its installation at half price, and the old appliance taken away for free. The consumer electronics treatment also includes great customer benefits.
Gigantti is a partner of Pohjola Insurance that offers home appliances and consumer electronics. In the event of loss or damage, you can visit Gigantti directly and Gigantti will handle the loss report for you. Gigantti will assess the loss, take care of ordering the repair, and will also handle the claim settlement for you. If the device cannot be repaired, Gigantti will replace it with a new one.
You can call Gigantti’s national telephone service on 010 253 0106 and report the appliance or consumer electronics loss. We recommend checking the make and model of the broken device or appliance before contacting. Gigantti’s telephone service is open on weekdays 9–20 and on Saturdays 10–16.
The charge for calls from landline network and Finnish mobile subscriptions is €0.0835 per call + €0.167 per minute (VAT included).
As our insurance customer, you will be offered benefits from Gigantti in the case of losses. The customer benefits include:
• A discount in the price of the new appliance
• A 50 percent discount on installation of an appliance
• Removals of old appliances free of charge
These customer benefits are also available in the case of losses, where no indemnity remains to be paid.
The consumer electronics treatment also includes great customer benefits. Contact Gigantti to find out the latest discounts. The customer benefits are also available in the case of losses, where no indemnity remains to be paid.
You can make use of Gigantti’s benefits, if your device is insured with Pohjola Home Insurance, or in the event of a home appliance or consumer electronics loss during travel, Pohjola Luggage Insurance. You can also make use of Gigantti’s service, if your are an OP cooperative bank owner-customer and have bought an appliance with an OP-Visa card within the last 180 days, covering the appliance with Product Protection Insurance included on the card.
Fonum and mcare – Mobile device servicing partners
Benefit of Fonum: You will receive the claim settlement decision directly at Fonum’s branch office. When you repair your phone at Fonum, you will receive and armoured glass for your phone without extra charge.
Benefit of mcare: mcare will provide an armoured glass for your iPhone in connection with the repair. Customers can also enjoy other benefits, more on this below.
If your phone or tablet is broken, you can go directly to our partner, Fonum. Fonum will provide you with quick help and a claim settlement decision. As an insurance customer, you will not be required to file a separate loss report, because Fonum will handle the claim settlement for you. You will only pay Fonum for the deductible, if any. If the device is not worth repairing, you can replace it with a new device through Fonum, in which case you will pay the deductible and any age reduction.
As a Pohjola Insurance customer, you can have an armoured glass for the most common phones and tablets without extra charge. Did you know that you will can get access to the benefit even if the indemnifiable sum for the phone or tablet damage is less than the deductible? The benefit is also available even if the loss or damage is not coverable under the insurance terms and conditions.
After repairs, Fonum will provide a guarantee for the device equivalent to the one provided by the manufacture as well as lifetime guarantee for the repair.
See Pohjola Claim Help for instructions in the event of phone and tablet damage, the contact details of the closest Fonum shop and instructions for using Fonum’s services.
Mcare is an independent repair shop authorised by Apple. As an insurance customer, you can easily have your iPhone, iPad or Apple Watch repaired or replaced at a mcare shop.
If you wish to use mcare’s services, you must first report the loss on OP eServices or OP-mobile. After filing the loss report, you will receive more detailed instructions on how to use mcare’s services. After this, you will be able to take care of the claim directly with mcare. You will only pay mcare for the possible age reduction and deductible.
As a Pohjola Insurance customer, you can select an armoured glass for your iPhone without extra charge. You will also receive a backup copy for an iOS device without extra charge, if the device is replaced with a new one during repair. You will also receive a possible loan phone for the duration of the repair. You can also get various benefits in connection with the service. Do not hesitate to ask for more information at mcare’s shop! Did you know that you are eligible to get the benefits even if no portion of the indemnity remains to be paid after the possible age reduction and deductible?
The benefits offered by Fonum or mcare are available to you if you have Pohjola Home Insurance or, if the loss occurs during travel, Pohjola Luggage Insurance. Fonum's and mcare’s services are also available to you if you are an OP cooperative bank owner-customer and have bought a mobile phone or tablet during the past 180 days using an OP-Visa card, covering the product with Product Protection Insurance included on the card.
Spectacle and sunglass partners
Free eye examination, discount on a product or repair service. You will also receive complimentary spectacles and sunglasses with single vision lens when visiting our partner in connection with the treatment.
Pohjola Insurance’s spectacle and sunglass partners include Instrumentarium, Nissen, KEOPS and Silmäasema.
You will have access to specialist treatment quickly from our partner opticians in the event that your spectacles are broken or your sunglasses are stolen, for example. When visiting our partners, you will only pay the possible age reduction and deductible for the spectacles or sunglasses. The partner will charge Pohjola Insurance for the remainder. Report the loss to Pohjola Insurance first by filing a loss report via OP eServices or OP-mobile. After this, you will receive a claim settlement decision and possible payment commitment for our partner.
You can enjoy great customer benefits by visiting our partner opticians in connection with loss treatment. The customer benefits include:
• Free eye examination
• Complimentary spectacles or sunglasses with single vision lens
• Discount on products or repair services
Did you know that you are eligible to get the customer benefits even if the indemnifiable sum for the spectacle or sunglass damage is less than the deductible? The benefits are also available even if the loss or damage is not coverable under the insurance terms and conditions.
Check out the instructions on what to do in the event of spectacle and sunglass losses from Pohjola Claim Help.
You can make use of our optician partner benefits, if your spectacles or sunglasses are insured with Pohjola Home Insurance, or in the event of a loss during travel, Pohjola Luggage Insurance. Optician partners’ benefits are also available to you if you are an OP cooperative bank owner-customer and have bought a product during the last 180 days using an OP-Visa card, covering the product with Product Protection Insurance.
Partners for home building claims
Our partners are ready to help you in case of building damage.
Pohjola Insurance has an extensive network of professional construction and drying company partners.
Once you have reported the loss to Pohjola Insurance on OP eServices or on OP-mobile, we will arrange a suitable partner for your loss event. In urgent cases, you can also file a loss report by phone.
You can make use of the benefits provided by our partners if your home has been insured with Pohjola Home Insurance.
FirstVet remote veterinary consulting
An unlimited number of free Firstvet remote consultations for pets insured with Pohjola’s Dog, Cat or Horse Insurance that covers medical treatment expenses.
FirstVet is a company that offers remote healthcare services for animals. FirstVet remote veterinary appointments provide health advice and instructions for dogs, cats and horses wherever you are via a video link.
Pohjola Insurance provides you with an unlimited number of FirstVet remote consultations free of charge for each insured pet. The benefit is valid until further notice.
You will be able to use this benefit if your pet has a Pohjola Dog, Cat or Horse insurance policy which includes medical treatment expenses insurance.
Veterinary clinic partners
Benefit: Our veterinary clinic partners offer expert treatment for your pet, and they will file compensation claims for you.
Pohjola Insurance has various veterinary clinic partners. You can visit our veterinary clinic partners directly when your pet is in need of treatment due to illness or injury.
Our veterinary clinic partners offer expert treatment for your pet, and they will file compensation claims for you. At the clinic, you only pay your pet’s policy’s deductible for the covered treatment. The clinic will charge Pohjola Insurance directly for the rest.
You can make use of the direct claims service provided by veterinary clinic partners if your pet has been insured with Pohjola Dog or Cat Insurance that includes medical treatment expenses insurance.
Free forest damage assessment from a local forest partner
Pohjola Insurance has forest partners throughout Finland, who will make forest damage assessments. Forest partners are local forest management associations or forest service providers.
Pohjola Insurance will ask a forest partner for an assessment of the extent of damage and will arrange a visit to the site of damage if necessary. Forest partners bill Pohjola Insurance directly for the service.
You can make use of the services provided by forest partners, if you have insured your forest with Pohjola Forest Insurance.
Pohjola Travel Emergency Service – Traveller claims abroad
You will receive advice and assistance for illnesses and accidents occurring abroad 24/7 every day of the year.
If you become ill or are injured when travelling abroad, you can call Pohjola Travel Emergency Service to receive:
• Help in finding a reliable doctor or hospital
• A payment commitment for hospital treatment, surgery or other procedure
• Contact with a Finnish doctor to discuss your situation, such as the treatment proposed to you
• Help in arranging a trip back home deviating from the original itinerary
The Travel Emergency Service is open 24/7 every day of the year to Pohjola Insurance travel insurance customers on +358 10 253 0011. Travel Emergency service serves customer in Finnish, Swedish or English.
You can make use of Pohjola Travel Emergency Service if you have insured yourself for the duration of the trip with Pohjola Travel Insurance.
Euro-Center – Traveller claims outside Finland
Reliable hospitals/clinics and claims offices abroad.
Euro-Center is a partner of Pohjola Insurance that handles travel losses occurring abroad. Euro-Center is there to help you if you fall ill or are injured while travelling abroad.
Euro-Center offers 13 claims offices around the world and a network of contractual medical institutions or recommended hospitals or clinics to our insurance customers.
You can find the closest medical centre when travelling abroad with Pohjola Claim Help.
If you are hospitalised abroad or need to have an examination or surgery, you must contact Pohjola Travel Emergency Service in advance.