Sports insurance

Get sports insurance either by adding athletes’ covers to your health insurance, or through Sports Cover

Select athletes' covers

if you want to expand your Health Insurance to cover competitive sports or high-risk sport you do.


Select Sports Cover

when buying a licence if you do a specific sport actively, train or compete in a club, or if you are a competitive athlete.


Free-of-charge Pohjola Health Advisor is there for athletes

Pohjola Health Advisor will assist you if you injure yourself in the competitive sports you have taken up. A health advisor will schedule an appointment for your with a partner hospital or clinic with relevant specialisation or give you home-care instructions. There is no need to queue at our partner hospitals or clinics, and you are assisted by professionals specialised in treating the very symptoms or injury you have.

Sports Insurance guarantees first-rate treatment and keeps you going

Thanks to Health Insurance, you can enjoy an active lifestyle without a worry and carry on jogging, conditioning or playing outdoor games, for example. However, if you go for competitive sports or high-risk sports, you need to take out sports insurance. You can take insurance for sports either by extending your Health Insurance with athletes’ covers, or by buying Sports Cover when you buy your sports licence.

When you take up a new sport, always check whether it is covered by insurance. Request an offer and we will find out what kind of sports insurance suits you best.

Sports insurance is necessary in at least the following cases:

  • You take part in competitions or matches organised by a sports federation or club,
  • you go in for a special sport referred to in the insurance terms and conditions or anything with higher risks that conditioning or
  • you take part in the competitive category of a conditioning event, such as the Finlandia-hiihto skiing event.

Health Insurance by means of athletes' covers

Your Health Insurance will become sports insurance if you add to it athletes’ medical treatment cover, athletes’ dental cover and athletes' supplementary medical treatment cover.

Athletes’ covers included in Health Insurance are valid continuously in the sports you have chosen. You can choose the insurance to cover not only sports injuries but also injuries caused by exertions and illnesses specified in the terms and conditions. Coverable injuries include Achilles tendon and knee meniscus rupture and stress fractures. Supplementary medical treatment cover also compensates, for example, physiotherapy expenses or an orthopaedic brace enabling you to do the sport.

Children and young people can go in for competitive sports under athletes’ covers included in Health Insurance in different clubs until the age of 16. Anyone aged 16 or more may, however, select coverage for specific sports.

Aviation sports, including

  • hot air balloon and gasbag flight
  • motorised flying
  • hang-gliding and paragliding
  • microlight flying
  • skydiving
  • indoor skydiving
  • flying with amateur-built aircraft
  • gliding and motorsailing
  • parasailing

Team sports, including

  • American football
  • Australian football
  • rugby
  • lacrosse
  • roller derby

Combat sports, self-defence sports or martial arts, including

  • Mixed Martial Arts
  • wrestling

Climbing sports, including

  • ice and rock climbing
  • glacier and mountain climbing

Diving sports, including

  • scuba diving
  • freediving

Winter sports, including

  • sledding
  • freestyle skiing
  • speed and downhill skiing
  • off-piste skiing
  • downhill skating

Strength sports, including

  • strength athletics
  • powerlifting
  • weightlifting
  • bodybuilding

Other separately insured sports

  • BMX cycling
  • bungee jumping
  • skimbat or kite surfing
  • sailboarding and flyboarding
  • parkour
  • abseiling
  • acrobatics
  • free running
  • downhill biking
  • ocean sailing
  • BASE jumping
  • trekking into uninhabited areas, such as research expeditions or treks to mountains, jungles, deserts or wilds or other similar areas abroad
  • wildwater canoeing

Other sports of a comparable level of risk

Do you practice some other sport not included on the list? Check your insurance coverage from our customer service.

Sports cover for over 80 sports

Sports Cover is a fixed-period sports insurance for people of all ages. You can buy Sports Cover easily on your sports federation’s website at the same time you buy a licence. The insurance covers injuries sustained in your sport caused by sudden events, and also injuries caused by no external factor. The insurance is valid everywhere in the world unless otherwise specified in the product guide or insurance contract. 

Pohjola Health Advisor is there for athletes

You will have access to the Pohjola Health Advisor service when you have expanded your health insurance with sports covers or purchased Sports Cover with your sports licence. In the service, you will be assisted by experienced healthcare professionals free of charge. The health advisors are extensively qualified and skilled in treating sports injuries as well.

If you have an injury, please contact the Pohjola Health Advisor service 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. A health advisor will assess your situation and give you home-care instructions or schedule an appointment for you with a partner hospital or clinic that specialises in your situation. If you have taken out Pohjola Health Insurance that covers illnesses, you can also contact a health advisor when you fall ill.

The Pohjola Health Advisor service streamlines the filing of claims, since the health advisor will file a loss report on your behalf. You can also receive a claims settlement decision from the health advisor. When your appointment at our partner hospital or clinic is scheduled via the Pohjola Health Advisor service, all you need to pay out of pocket at the appointment is your deductible.

Sports Insurance covers, our partner hospitals treat

In addition to Sports Insurance, athletes can depend on our partner hospitals' experts specialised in treating the part of your body that requires care, ensuring that you get the best possible know-how and experience.

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.

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.

As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.
The Pohjola Health Advisor
Contact Pohjola's Health Advisor through the application or by phone if you fall ill or injury yourself.