Coronavirus test and insurance

Information on the coverability of coronavirus test costs, Pohjola Insurance’s insurance policies covering the medical treatment expenses of companies and private persons as well as travel insurance is shown below. According to the recommendation of the Finnish Institute for Health and Welfare (THL), coronavirus tests are only performed on individuals with coronavirus symptoms.

Does insurance cover the costs of the coronavirus test?

The prerequisite for coverability is a test performed through a doctor’s referral in accordance with the criteria of the Finnish Institute for Health and Welfare (THL). Read more about the coronavirus and taking a test on the website of the Finnish Institute for Health and Welfare (THL). If you are experiencing symptoms that are associated with the coronavirus, you will undergo a so-called PCR test (polymerase chain reaction) to see if you are infected.

The antibody test for coronavirus can be carried out afterwards to establish whether you have already had and recovered from the illness. The antibody test carried out after you have had and recovered from the illness is not covered by insurance or travel insurance policies that cover medical treatment expenses.

If you have symptoms and the doctor refers you to a coronavirus test, see coverability under different insurance products below.

The coronavirus test is covered by insurance policies covering private medical treatment expenses:

  • Health Insurance’s Medical Treatment Cover if the scope of cover is Accidents and illnesses.
  • Health Insurance’s Cost Cover, Doctor’s fees and examination expenses if the scope of cover is Accidents and illnesses.
  • Medical Treatment Expenses Insurance, Medical Treatment Insurance and Medical Expenses Insurance.
  • Medical expenses insurance policies transferred from Suomi Mutual.

Read instructions and see what personal insurance policies cover in other situations related to the coronavirus.

The coronavirus is covered by the following insurance covering medical treatment expenses and taken out by the employer or company:

  • Plus Health Insurance
  • Super Health Insurance

The coronavirus test IS NOT covered by the following Health Insurance taken out by the employer or company:

  • Comprehensive Health Insurance
  • Extra Health Insurance

Comprehensive Health Insurance and Extra Health Insurance do not cover the examination and treatment of generally hazardous communicable diseases. For this reason, examination and treatment expenses for coronavirus, or a coronavirus test, will not be covered under these policies.

Your occupational health care provider may also offer sampling for the coronavirus. Follow the instructions of your employer and occupational health care provider.

Read instructions and see what corporate insurance policies cover in other situations related to the coronavirus.

Travel insurance policies and the coronavirus test

The coronavirus test can be covered as treatment of a travel illness. The costs of a coronavirus test performed by a private service provider are covered if the test is carried out through a doctor’s referral in accordance with the criteria of the Finnish Institute for Health and Welfare.

Coverability under Pohjola Travel Insurance requires that the symptoms have begun during travel and the person has sought treatment within 14 days of the end of travel at the latest.

Other traveller's insurance products (e.g. Corporate Travel Cover; Traveller’s Insurance, no longer sold, Easy Traveller's Insurance and Pohjola’s Fixed-term Traveller's Insurance) may provide flexibility with respect to the 14-day deadline in the case of some communicable diseases with a long incubation period.