Health declaration for the OP Life Insurance package

Life insurance, critical illness insurance and disability insurance policies are granted on the basis of a health declaration. You must always complete a new health declaration when you apply for insurance or wish to raise your insurance payout with a new policy. On this page, we have collected instructions to help you complete the health declaration.

What is a health declaration?

A health declaration is a questionnaire we use to record your health information in order to grant insurance.

If the insurance can be granted, it will enter into force on the date the health declaration was submitted. You may receive an automated insurance decision immediately after submitting the health declaration. If your health declaration needs to be reviewed by our experts, you will be notified when your insurance decision has been made.

It’s always worth completing the health declaration because you can often be granted insurance even if you have a diagnosed illness. Possible pre-existing illnesses or past medical examinations may affect the price and scope of the insurance coverage granted to you.

Only our experts specialising in health declarations can access the information you provide.

It is important that you do not terminate any existing policy until you have received a decision stating that a new policy has been granted.

Where can I find the health declaration for life insurance, critical illness insurance and disability insurance?

You can find your incomplete health declaration by logging into the op.fi service and then navigating to Vakuutukset – Omat vakuutukset. You can also log into the op.fi service using a different bank's user IDs. The health declaration for life insurance, critical illness insurance and disability insurance cannot currently be completed in OP-mobile.