Responding to the health declaration

A health declaration is a questionnaire on the state of health of the person to be insured. Based on the answers, we will decide whether the policy can be granted.

We will handle your health information on an entirely confidential basis. Only our experts specialising in health declarations see the information provided.

Who is required to submit a health declaration?

Each person to be insured over the age of 18 must submit the health declaration themselves. The health declaration of a minor is submitted by the child's guardian. The health declaration for a foetus is submitted by the mother.

Health declaration – steps

1. The person to be insured, guardian of a minor or mother of an unborn child will receive a health declaration form in the op.fi service

You can log in to the op.fi service using your online bank identifiers. The health declaration will be activated within two working days of the insurance application.

2. You can find the health declaration on the front page of the Insurance section

You can answer the health questions when it is most convenient for you; however, at the latest within 21 days of the date of the activation of the health declaration.

3. You must fill in the health declaration carefully

The decision on whether to grant the insurance will be made on the basis of the health information provided. If the insurance is granted, it will become valid on the date the health declaration was completed and submitted for processing. If you need to check any information related to your health before submitting the declaration, you can save the declaration and return to it later. You can check your health information from MyKanta, for example. You can find the incomplete health declaration on the front page of the Insurance section at op.fi.

4. We will process the information provided in the health declaration

A policy may be granted even if you are not entirely healthy. The insurance may exclude existing symptoms, illnesses or injuries, but even then you will be covered for any future illnesses or injuries. Unfortunately, in some cases we cannot grant the insurance applied for.

5. The policyholder will receive a decision on whether the insurance has been granted

Documents related to the insurance are sent only to the policyholder. The policyholder will receive the documents either by post or in My archive at op.fi or in OP mobile if they have activated electronic insurance mail. Please wait for the insurance decision before terminating your old policy.

• If the insurance applied for is granted, we will send the policy document to the policyholder.
• If the insurance can be granted with restrictions, we will send the policyholder a decision letter and instructions for filing a complaint or an appeal, as well as the policy document explaining the policy’s contents and restrictions.
• If we are unable to grant the insurance, we will send a decision letter to the policyholder.

If you encounter problems

You can fill in and submit the health declaration in our digital service at op.fi after you have activated digital insurance services. If you cannot open the health declaration in the op.fi digital service, activate digital services by navigating to Insurance – Activate digital services.