Sports Cover

Cover for a specific period under sports insurance

Suitable for over 80 sports

Sports Cover will compensate injuries sustained during sports matches, competitions and training.


Easy to get when you buy your licence

You can buy season-long Sports Cover easily as your buy your sports licence.


Free-of-charge Pohjola Health Advisor at your service in sports injuries

If you are injured doing the sports you love, the Pohjola Health Advisor service assists you quickly. A health advisor will file a loss report on your behalf and schedule an appointment for you with a partner hospital or clinic specialised in your particular situation. Our partner hospitals or clinics are specialised in treating sports injuries and symptoms.

Sports Cover insures club sports

Sports Cover is sports insurance for one sporting season, which you can buy at the same time as your buy the sports licence. The insurance covers injuries and resulting examination and treatment expenses caused by sudden events when doing your sport. Sports cover is valid for one competitive or sporting season at a time, meaning that you can easily assess the need for the insurance for each season.  

Sudden events covered by Sports Cover include sprains, strains and fractures. Sports Cover also indemnifies injuries not caused by an external factor, but if you are injured as a result of exertion, for example.

You can buy Sports Cover at the same time as you buy your licence either on the Suomisport website or your sport federation’s website. Select your sport and buy insurance!

When is Sports Cover valid and what does it compensate?

Sports Cover is valid in your sports matches, competitions and training, and when travelling directly to and from them. The insurance is also valid on sports camps related to the sport. It has been agreed with many sports federations that for children under 12, Sports Cover is also valid for sports under other sports federations.

Sports Cover pays medical expenses indemnity for up to 15,000 euros, handicap benefit for up to 30,000 euros and death benefit for up to 8,500 euros per loss. The insurance covers expenses incurred within three years of the occurrence of the injury. Dental injuries are an exception in that there is no maximum indemnity period.

You can insure your sport also by adding additional athletes’ covers to your health insurance. These will be valid continuously in the sports you choose.

I buy Sports Cover always before the beginning of the floorball season. It’s a fast sport with things happening quickly, and injuries do happen. Sports Cover enables me to make sure that I can get quick treatment if I need it, and be back playing as soon as possible.

Santeri Saarikoski Communication Expert, Pohjola Insurance

Football Cover and Volleyball cover

A footballer’s Sports Cover is called Football Cover and a volleyball players Sports Cover likewise Volleyball Cover. The insurances have the same terms and conditions as Sports Cover and you can buy them through the service. Log into the service, select “To purchase” and then “Insurance only”.

If you are interested in football or volleyball but do not play it actively, we recommend Try Out Insurance to you. The insurance is valid for 7 days from your chosen start date, enabling you to try out the sport before buying the Cover.

Pohjola Health Advisor service is there for you in accidents and injuries

You can access the Pohjola Health Advisor service when you purchase Sports Cover with your sports licence. The service is free of charge and available 7.00–23.00 every day. The health advisors are also extensively qualified in assessing the need for treatment in sports injuries.

Unfortunately, sports injuries and accidents are quite common. A health advisor will give you prompt advice and assistance if you get injured. You can contact a health advisor by phone at 0100 5225 or via the Pohjola Health Advisor app. You can contact the service with any health concerns to decide whether you should see a doctor. The health advisor will assess your situation and schedule an appointment for you with a partner hospital or clinic specialised in your situation, or give you home-care instructions.

We recommend using the Pohjola Health Advisor service, as the service streamlines the filing of claims. You don’t need to worry about filing a loss report, because the health advisor will file it on your behalf. Did you know that you can also receive a claims settlement decision from the health advisor at the same time? If you receive a decision from the health advisor, all you need to pay out of pocket at your appointment with a partner hospital or clinic is your deductible, as applicable.

Services of our specialist partners at your disposal through Sports Cover

In addition to the Sports Cover, athletes are assisted by the partner professionals who specialise in treating the very symptoms or injury you have. By using the services of our partner hospitals or clinics, you will receive prompt expert care and access the best possible information. If you are injured, first contact the Pohjola Health Advisor service. Our professionals will refer you to a suitable partner hospital or clinic.

Agility, aikido, sports covered by Suomen Aikuisurheiluliitto, American football, biathlon, shooting, car sports under AKK, sports under the Finnish Billiard Federation, cheerleading, curling, defendo, sports under Finnish Dance Organization, disc golf, golf, skiing, aviation under the Finnish Aeronautical Association and ITF Taekwon-Do activities.

Football, archery, judo, ice hockey, bandy, karate, rinkball, bowling, climbing, sports covered by World Heavy Events Association, krav maga, brazilian jiu-jitsu, padel, wrestling, sports covered by Finnish Athletics Federation SUL, basketball, cricket, Finnish skittles, handball, surfing, volleyball, ultimate and snowboarding.

Field hockey, field archery, paddling, fencing, snowmobile riding, motorised flying, motorcycling covered by SML (Finnish Motorcycle Federation), muay thai, boxing, oriental moo do, weightlifting, paintball, Finnish baseball, petanque, activities of the Nordic Krav Maga Association, kickboxing and cycling.

Harness racing, ringette, rugby, floorball, savate, shukokai karate, rowing, squash, standup paddleboarding, orienteering, taekwondo, taido, figure skating, dancing, tennis, triathlon, water skiing and pentathlon.

The Pohjola Health Advisor
Contact Pohjola's Health Advisor through the application or by phone if you fall ill or injury yourself.



The insurance is issued by Pohjola Insurance Ltd.