What does medical expenses insurance cover?
Medical expenses insurance covers the costs of treating an illness, such as doctor's and nurse's appointment fees, medication prescribed by a doctor and examinations and surgery related to the illness. Medical expenses insurance always includes Dental Cover, Medical Treatment Cover and cover for rehabilitation, functional therapy and musculoskeletal therapy.
The most common illnesses covered by medical expenses insurance include:
- viral infections, such as a common cold and influenza
- allergic skin and eye diseases
- musculoskeletal conditions, such as back and joint diseases
You can claim compensation for expenses incurred from private or public medical care. By purchasing medical expenses insurance, you gain access to our extensive network of partner doctors and the Pohjola Health Advisor service. With medical expenses insurance, you get to start your treatment quickly and easily claim compensation.
Medical expenses insurance only covers expenses incurred in Finland. For coverage against illnesses outside Finland, we recommend Pohjola Travel Insurance.
What does medical expenses insurance cost?
The cost of health insurance that includes medical expenses insurance depends on factors such as the individual covers you select for the policy. For example, you can choose to include coverage for home help expenses and psychotherapy in your medical expenses insurance. You can also customize the price of medical expenses insurance with deductibles. The deductible for medical expenses insurance is the amount of the treatment expenses that you must pay yourself.
The easiest way to compare medical expenses insurance policies is at our online store. You can compare the prices of medical expenses insurance, whether you're buying the insurance for yourself or a child or unborn child.
How do I buy medical expenses insurance?
You get the most extensive insurance cover when you have no pre-existing illnesses. For this reason, it's advisable to buy medical expenses insurance at an early age while you do not yet have a need for the insurance.
We can grant you medical expenses insurance even if you have a pre-existing condition. In this case, your existing illnesses are excluded from the insurance coverage. You should always apply for insurance.
Medical expenses insurance is valid until the age of 100 and you can apply for it up to the age of 85. You can buy the insurance online or by requesting an offer.
Apply for medical expenses insurance by submitting a health declaration
When buying medical expenses insurance, you are required to fill in a mandatory health declaration. The health declaration asks about the insured person's current state of health. We use the answers to determine whether we can grant the medical expenses insurance. Medical expenses insurance takes effect once you have submitted the health declaration and received a decision that you have been granted the insurance.
We recommend that you do not terminate any existing medical expenses insurance until your application for the new insurance has been accepted.