Personal insurance

Personal insurance provides cover for your health. You can take out insurance for yourself and your loved ones against risks such as a sudden illness or an accidental injury. Personal insurance also provides cover if your family’s livelihood is reduced by the saddest occurrence in life – the death of a family member. It protects your wellbeing when you travel abroad or engage in sports activities organised by a sports association, or when you consider insurance cover against risks such as disability or a critical illness. Learn more about our personal insurance policies and request an offer for a policy suitable for you.


Pohjola Health Insurance provides cover throughout your life


                                                Vauvavakuutus tuo turvaa kasvavalle vauvalle.
Insurance for an unborn child
Miehet vaeltamassa turvallisin mielin, kun terveysvakuutus on kunnossa.
Health insurance for an adult
Child insurance


Other personal insurance


Matkustaja lähdössä turvallisin mielin reissuun, kun matkavakuutus on kunnossa.
Travel insurance
Sports insurance
Insurance for voluntary workers
                                                Life insurance is security for the future and particularly important when you have a family or debt.
Free 50% increase
Life insurance
Sports Cover
Joint cover lets you secure your family's finances in the event of your death.
Joint cover
NewLife life insurance
OP Critical Illness and Life Cover
Three kinds of cover in one package: critical illness, accidental permanent disability and life insurance.
Disability Insurance


Why should you take out personal insurance?

Most people take out insurance on their home, vehicles and the most important valuables. However, the most important asset – health – often remains uninsured.

It pays to take out personal insurance to make sure that you get the best possible care if you run into health problems. An illness or injury typically occurs suddenly and unexpectedly. With a personal insurance policy, you can ensure that you get the best care without delay and quickly return to your normal life. Personal insurance also provides financial security for your family if you, as the policyholder, die due to an illness or injury.

What does personal insurance cover?

Compensation payable under personal insurance depends on the type of insurance you choose.

Health insurance provides cover for your health against medical, examination or rehabilitation costs arising from an illness or injury. Travel insurance provides cover for your health and, if you so choose, for your luggage when you travel abroad. Life insurance provides lump-sum compensation if the insured person dies due to an illness or injury. You can buy a life insurance policy for yourself or get joint cover which is a life insurance policy for two persons. OP Critical Illness and Life Cover consists of the following three components: cover for critical illness, accidental permanent disability cover, and life insurance. The insurance pays out a lump sum compensation chosen by the policyholder. Select the personal insurance you want above for a complete description of what the insurance covers.

The insurance policies presented on this page are voluntary personal insurance policies for private individuals. Read more information on statutory personal insurance provided by Pohjola Insurance for corporate customers.

What affects the cost of personal insurance? 

How much does a personal insurance cost? The price of personal insurance depends on the type of insurance you choose, the covers that you include in your policy and the deductibles that you select for those covers. 

Please note that certain types of personal insurance can only be bought by calling our Insurance Services. In this case, you can discuss the content and price of the insurance with our insurance experts.

Free-of-charge Pohjola Health Advisor is there for you in health concerns and injuries

When you protect your health with Pohjola Insurance personal insurance, you will also have access to the free-of-charge Pohjola Health Advisor service. Pohjola Health Advisor is a health advice service that you can contact with any health concerns when you are not sure if you should see a doctor.

The health advisors assess your need for treatment, give you self-care instructions or refer you to a relevant doctor and schedule the appointment for you. As our insurance customer, you will get a doctor’s appointment at our partner hospitals or clinics quickly through the easy-to-use Pohjola Health Advisor service.

If you fall ill or are injured, the first thing to do is contact a health advisor at the Pohjola Health Advisor service in the app or by phone at 0100 5225. The service is available every day from 7.00 to 23.00. By using the service, you also do not need to worry about the loss report since the health advisor will file it for you. Choose the personal insurance you want above and read more about the benefits of the insurance in case of illness or injury.

Read more about the Pohjola Health Advisor service

Health insurance – voluntary personal insurance provided by Pohjola Insurance

Pohjola Insurance's health insurance provides cover for your health throughout your life. You can tailor a policy to suit your needs and choose whether you want it to cover only expenses arising from injuries or those arising from both illnesses and injuries. Insurance against injuries for yourself or your loved ones provides compensation if, for example, you need to seek medical care when you have fallen over or hurt yourself in a leisure time accident. If you extend the cover to include illnesses as well, you can also claim compensation for a sudden illness and for any medical expenses incurred due to seeing a doctor. Insurance is also there to help you if you are referred to an MRI examination, for example, or an operation or rehabilitation as a result of an illness or injury.

Pohjola Claim Help provides assistance in cases of personal injury

Pohjola Claim Help is a search engine for any eventuality. If an injury or illness occurs, Pohjola Claim Help will quickly and easily provide assistance and instructions suitable for your situation. Type a description of the incident into the service. The service will find instructions for your situation, including the contact information of the Health Advisor and other Pohjola Insurance partners at your service. Pohjola Claim Help also provides information on what your insurance covers.


Learn more about our other health and wellbeing services


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