What insurance do I need?
You should choose your insurance policies based on your life situation and insurance needs. Pensioners often insure their car and home, but you should also cover your health in case of illnesses and accidents. You should make sure that you are not left without your own health insurance if your health was previously insured by your employer.
In retirement, you have more free time, and it might be the right time to travel. You have the right to enjoy your new life stage and a holiday. After a hectic life of work, many fantasise about fulfilling their dreams and travel. You may also travel to your loved ones more. We recommend travel insurance to cover yourself and your luggage when you are away from home.
Next, we will tell you about the recommended insurance policies, and where to learn more about them and calculate their prices if you wish. If you want a personalised offer for several policies, you can request an offer.
Secure the most important thing – yourself – with Pohjola Health Insurance
An injury caused by an illness or accident can create surprisingly large costs. It is good to have extensive Pohjola Health Insurance cover against such unpleasant surprises. With insurance, you often get treatment on the same day.
The Health Insurance cover options provide the right solution for your situation. You can cover your health for both illnesses and accidents or only for accidents. You can also supplement Health Insurance with additional cover options such as the Home help package. The Home help package covers you when you are unable to visit a doctor by yourself or cannot manage at home without help after surgery.
When applying for an extension of Health Insurance, submit a health declaration. Any illnesses found may affect the insurance cover, but you can usually take out insurance even if you are not in perfect health. You should always apply for insurance. You should not terminate any existing policy until you have received a decision that a new policy has been granted.
Did you know that Health Insurance is valid until you are 100 years old, and you can apply for insurance even when you are 85 years old? In addition, we have more comprehensive cover for accident expenses from the age of 60 onwards.
The free Pohjola Health Advisor service assists you in all health-related concerns
By insuring yourself with Pohjola Health Insurance, you get access to the Pohjola Health Advisor service. Pohjola Health Advisor is a health advice service you can contact by phone or through the Pohjola Health Advisor application, all year round from 7 to 23.
A Health Advisor assesses your need for treatment, gives you self-care instructions or refers you to a doctor, and schedules an appointment for you. A Health Advisor can also give you a claim settlement decision, in which case you don’t have to report a loss yourself.
Are you planning to move to a new home? Take out Pohjola Home Insurance to cover your home
With Pohjola Home Insurance, you will not only secure your home but also the belongings of your family members living permanently in the same household as you. You should regularly check that your home insurance is up to date. The coverage and maximum amounts of indemnity should be checked especially after you have renovated your apartment, or your family situation has changed.
It is important to update Pohjola Home Insurance especially when moving to a new apartment. Then, you won’t need to take out entirely new home insurance. Instead, we will update your existing insurance policy to fit the new apartment. If you are moving to a new apartment and have home insurance with us at Pohjola Insurance, you can move your home insurance to the new address on the op.fi service.
Pohjola Motor Vehicle Insurance secures the car and driver
Pohjola Motor Vehicle Insurance policies always include mandatory motor liability insurance. We recommend that you protect your car with comprehensive motor vehicle insurance in addition to motor liability insurance. Comprehensive motor vehicle insurance gives the best cover for your vehicle. You can include cover for vandalism, collisions or windscreen and window damage, for example.
The price of motor vehicle insurance depends on the vehicle’s age and make, chosen cover and the bonus of motor vehicle insurance. Your estimate of the kilometres driven per year also affects the insurance price. You should tell us if the annual number of kilometres driven changes fundamentally. At the same time, we can check that the details of your insurance policy are up to date.
Travel insurance protects you and your luggage when travelling
If you travel more than once per year in Finland or abroad, we recommend continuous travel insurance. In this case, a continuous travel policy is usually the cheaper option. If you travel more than 50 kilometres away to see your loved ones, for example, you should add domestic trips to continuous travel insurance. When you cover your travels with continuous travel insurance, the insurance policy will always be valid when you set off on a journey. We can grant continuous travel insurance for people up to the age of 99, and it ends when you turn 100.
If you travel once or even less per year, fixed-term travel insurance is the right choice for you. We can grant fixed-term travel insurance for people up to the age of 85, and it ends when you turn 86. Did you know that with fixed-term travel insurance, children under the age of 15 are covered by the grandparent’s insurance policy if they are travelling together?
Remember to add luggage insurance to your continuous or fixed-term travel insurance. Luggage insurance covers all items you have taken with you. For example, we compensate you if your glasses are broken, your wallet is stolen, or your luggage is delayed.
Can I get discounts on insurance?
By concentrating your insurance at Pohjola Insurance, you will become our prime customer and get discounts and benefits on insurance. You become a prime customer when you have insurance policies in at least three categories. Did you know that if you are an owner-customer of at least 70 years of age, you can become a prime customer with only two different insurance categories?
The insurance categories are: