The upgrade of OP Platinum continues

• At the lounge, don’t forget to say that you have an OP Platinum card that includes a Priority Pass membership.
• You will need a boarding pass for the visit.
• The receptionist at the lounge will register your visit on your OP Platinum card as you arrive
• You can bring up to three guests with you at no extra charge.
• Please note: If there are more persons visiting the lounge in addition to you and three travel companions, you will be charged EUR 30 per person from the credit side of your card. 
  • In this case, you will confirm the charge at the lounge terminal. If you have not previously registered as a Priority Pass member, you must confirm the payment as with online purchases with the Mobile key or key code list. 

• As of 1 November 2023, you can also use the Priority Pass app. 
  • The app includes the digital Priority Pass membership card as a QR code. You can access the lounges by showing the QR code.  
  • If you want to use the QR code, activate your Priority Pass membership by registering in the Priority Pass app or website before departing. Registration is done in English.
  • Registration instructions can be found at the How can I get the Priority Pass app? section before this page 

1. First, you must activate your Priority Pass membership. You can do it easily at prioritypass.com/op by following the instructions below. 
2. When you activate, you will need your OP Platinum card and OP’s Mobile key or key code list. Registration is done in English.
3. During activation, you will involve a preauthorisation of 1 euro, which will not be debited. Therefore, make sure that online and in-app payments are enabled for your OP Platinum card. The details of the discontinued physical Priority Pass card will not be needed.

What do I need to do if I have already registered in the application with a physical Priority Pass card?

If you have already registered in the Priority Pass application before 1 November 2023 using a physical Priority Pass card, you need to create a new account to receive a digital Priority Pass card.

• Start creating a new account by logging out of the Priority Pass application.
• Create a new account and register by following the guide for registering in the Priority Pass application. 
• You can use the same email you used with your old account to create a new account. Your username must be new.

• You can activate via the web page from your computer, tablet or phone browser.
• Select “Submit”.
• Add the credit number of your OP Platinum card to the “Payment Card Number” field, create a user account and fill in the requested personal information.
• This will involve a preauthorisation of 1 euro, which will not be debited.
• After activation, you will find a QR code on the website, with which you can access the lounge.

• Download the Priority Pass mobile app from the app store on your phone. Select ”Activate your account” on the Priority Pass app.
• Add the credit number of your OP Platinum card to the “Payment Card Number” field, create a user account and fill in the requested personal information.
• This will involve a preauthorisation of 1 euro, which will not be debited.
• After activation, you will find a QR code on the application, with which you can access the lounge.

If you have Data and Identity Theft Protection in use, the VPN service will be added automatically to the app’s menu by 1 December 2023. After this, you can start using the feature.

If you do not have Data and Identity Theft Protection in use, do the following:

• If you have OP's user ID: you will receive the subscription code in a separate message in the op.fi service and OP-mobile. 
• If you do not have OP’s user ID: to use the service, you need OP's user IDs so we can send you the subscription code for registration. To receive an OP user ID, book an appointment at your nearest OP cooperative bank.

You can learn more about the VPN connection and other Data and Identity Theft Protection features included in OP Platinum on F-Secure’s website. You can find the product there with the name “Total”.

• Travel insurance covers the entire family (cardholder along with common-law spouse or spouse and children and grandchildren under age 25, when travelling together) in Finland and abroad. 
• Luggage insurance covers up to 5,000 euros for each insured person and up to 10,000 euros for all insured persons in total for luggage losses.
• Cancellation cover reimburses up to 10,000 euros per insured person if the trip has to be cancelled due to a serious obstacle.
• You also get a physical travel insurance card that you can take with you when travelling.
• The insurance covers accidents in high-risk sports.

• Rental car insurance covers the rental car’s deductible to up to 5,000 euros in the event of loss or damage. 
• For example, if your car is scraped by another car in the parking lot, someone collides with your rental car or a stone breaks your windscreen rental car insurance reimburses up to 5,000 euros for expenses which the car rental company charges you.
• In addition to the cardholder, the insurance is valid when the car is being driven by the cardholder’s spouse, common-law spouse or child aged under 25, if the cardholder has been designated as the primary driver.
• Rental car insurance covers passenger cars, estate cars, and vans which can transport a maximum of nine people, can be driven on public roads, and have a retail selling price of under 100,000 euros. The insurance is valid for a maximum of 30 days. Rental car insurance does not cover the deductible of a replacement car or leased car.

• As an owner-customer, you will get a refund if the product you purchased breaks or is stolen within one year from the time of purchase.
• You won’t need to buy separate insurance for new items, such as phones.
• The deductible is only 75 euros, which is less than with a traditional home insurance.

Which purchases are covered by Product Protection Insurance?

Accidents happen to all of us from time to time, from dropping a phone on the floor to spilling coffee on a laptop or breaking your brand-new glasses.  

Product Protection Insurance covers purchases made with Platinum against breakage. In other words, you won’t need to buy separate insurance for new items, such as phones.  

When is the insurance valid?

The insurance covers credit and debit purchases made with OP Platinum, meaning your purchases are always insured if you pay for them with OP Platinum. 

The insurance provides cover for the purchases for 365 days or one year from the cardholder receiving the product.  

Product Protection Insurance covers the purchases whether you pay for them online, at a brick-and-mortar location or through a service like Apple Pay.  

Does the insurance have a deductible or maximum compensation amount? 

In the event of loss, the insurance has a deductible of 75 euros. The maximum compensation per item is 2,000 euros. 

What to do if something happens?

If something happens, filing a loss report is simple on OP-mobile or at op.fi. 

Product Protection Insurance terms and conditions and additional information

Product Protection Insurance is issued by Pohjola Insurance Ltd.

Event ticket insurance reimburses the costs of theatre, concert or event tickets to up to 3,000 euros if you are unable to attend due to illness or another serious reason. For example, if you’ve bought tickets to a football match or a concert, and you fall ill and are unable to attend the event, Event ticket insurance will cover the tickets if you have a doctor’s certificate before the event starts.

You can apply for compensation under Event ticket insurance if you are unable to use the event tickets for any of the following reasons:

• You fall ill or are seriously injured, and have a doctor’s certificate for the illness or injury.
• Your vehicle is stolen or you are involved in an accident with the vehicle within 48 hours before the event.
• Your home is broken into or suffers from flood or fire damage which requires you to stay home.
• You move more than 100 km away from the event site due to a new workplace.
• In the event of your death or the death of a family member.
• Event ticket insurance also covers tickets for events taking place abroad. 

The event ticket insurance is provided by Inter Partner Assistance SA/AXA. 

You can download the digital info card to your phone at op.fi/platinum-info-card or by scanning the QR code. From the info card, you can easily check up-to-date information about your OP Platinum services from 1 May 2023 onwards. 

Benefits no longer available

• Hole-in-One insurance ended on 30 April 2023
• Identity theft protection in case of theft ended on 30 April 2023
• Travel Cancellation Cover without reason ended on 30 April 2023
• Recovery service for a lost key ends on 30 November 2023
• Concierge service to be discontinued on 30 November 2023