Interested in OP Life Insurance with extensive cover?

Coverage against critical illness, disability and death.

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OP Life Insurance offers extensive cover against crises in your life

In addition to life insurance, you can select to include critical illness insurance, temporary disability insurance and permanent disability insurance in your OP Life Insurance contract. For extensive cover, you can get the policies at the same time.

As an OP cooperative bank owner-customer, you now get a 25% discount on the price of life insurance. The additional benefit is valid for a year. The benefit is confirmed annually, and its distribution aims for continuity. The size of the benefit may vary, or the benefit may be discontinued.

Life insurance payout formula: Your share of the loans + your gross income for one year + at least 20,000 euros for each dependent child

Comprehensive cover from an insurance package suitable for you

If you have life insurance, your designated beneficiaries will receive compensation should you die while the policy is in force.

You can also supplement life insurance with critical illness insurance. You will personally receive a lump-sum compensation exempt from tax from the insurance policy if you fall critically ill, or if any of the procedures specified in the terms and conditions is performed on you. Critical illness insurance covers the following common critical illnesses or related procedures:

Certain types of cancer
Benign tumours of the brain or spinal cord
Multiple sclerosis
Stroke
Coronary artery disease bypass operation as open heart surgery
Myocardial infarction
Heart valve surgery
Renal insufficiency
Organ or bone marrow transplant

You can also supplement your life insurance with two kinds of disability insurance. Temporary disability insurance provides income security if you need to take temporary sick leave. Permanent disability insurance pays a one-time compensation amount if you lose your ability to work permanently.

If your main concern is to insure yourself against critical illnesses or loss of work ability, you can choose the scope of the life insurance you want to add to your insurance. The OP Life Insurance contract always includes a life insurance policy with a payout of between 1,000 and 300,000 euros.

You can have two or more life insurance policies at the same time. When getting a new policy, it’s worth checking your valid insurance cover and supplementing it with new policies to match your life situation.

Why get four insurance policies at the same time?

When you purchase all four policies – life insurance, critical illness insurance, temporary disability insurance and permanent disability insurance – at the same time, you get financial security for both yourself and your loved ones in case of life's unpleasant surprises.

The insurance policies require you to submit a health declaration. When you buy life insurance, critical illness insurance and insurance against loss of work ability all at the same time, you only need to complete and submit the health declaration once.

As an OP cooperative bank's owner-customer, you earn OP bonuses on your life insurance, critical illness insurance and disability insurance premiums. You can use these bonuses to pay your insurance premiums, for instance. The default option is to use them for banking service charges and insurance premiums.