Lapsi nauraa lapsivakuutuksen turvin

Child insurance

Cover for a child, your greatest treasure

Our child insurance brings health advice in your pocket

When your child is covered by child insurance and he or she falls ill or sustains an accidental injury or you have other concerns about his or her health, Pohjola Health Advisor service is there to help you.

Through the service, you can easily contact experts at Pohjola Hospital who will evaluate your child’s condition. If necessary, they will refer you to a virtual doctor or an appropriate specialist. If you do not need to see a doctor, you will receive clear instructions for home care.

As an OP child insurance customer, health advice is available to your free of charge on your phone and in the Pohjola Hospital app. Thanks to child insurance and the Pohjola Health Advisor service, you do not have to worry about whether you should take the child to a doctor or whether home care is the right solution – you can easily get an answer to your question from an expert.

The service is available on our app and by phone every day from 7 am to 11 pm. You can also leave a message to an expert at any time in the application, and you will get a response as soon as the service reopens. The application works on both Android and iOS phones. The services are provided by Pohjola Hospital Ltd.

Download the Pohjola Hospital app
Read more about the Pohjola Health Advisor service

Read more Close

Child insurance just right for your child

You can choose whether your child’s health insurance covers both accidents and illnesses or accidents alone. You can also add optional additional covers to ensure suitable insurance for your child.


Child insurance provides health cover throughout life

Child insurance remains valid until the age 100. By taking out insurance for your child already at a young age, you ensure comprehensive cover for any accidents and health problems that may come along.


Comprehensive healthcare services at your service

Child insurance grants you access to a wide range of public and private health care services for fast and professional care for your child.


Pohjola Health Advisor at your service free of charge

Our experienced healthcare professionals will listen and refer to suitable care in the event of an illness, injury or health concern. Contact us by phone or with the in-app chat.

If you have child insurance, you do not have to queue

You learn something new with your child everyday, and you never know what’s going to happen next. When your child is hurt or falls ill, you do not feel like queueing to see the doctor or have an examination. A child insurance, that is, a child’s health and living allowance insurance, enables your child to have the best possible treatment without having to wait for it, also privately and without having to worry about the expenses.

If you want to insure your unborn child, read about the insurance policy. By insuring your child as early as possible you can ensure that illnesses emerging before the policy’s entry into force will not affect coverage.

Child insurance grows as your child grows. Child insurance covers your child from the first checkup after birth and all through childhood and teenage years right up to adulthood.
Lapsivakuutus, nuoret istuvat ja selaavat puhelimiaan

Suitable child insurance for you and your family

You can choose whether you want the child insurance to cover only accidents or both accidents and illnesses, including examinations and surgery. Child insurance also covers medication and will help in recovery, because it compensates for a variety of therapies, such as physiotherapy and occupational therapy.

We recommend the most extensive child’s health and living allowance insurance, especially for young children. As the child grows, you can adjust the coverage as necessary, and the comprehensive insurance will continue to provide coverage until the age of 100.

My children had plenty of ear infections when they were under 3 years, and having ventilation tubes put in for both cost about 3,000 euros. Good job we had child insurance! It’s also handy that you can go straight to a specialist.

Tuomas Father of two

Child insurance includes coverage at home and in outdoor exercise

You can also choose to have the policy to cover a range a help needed at home. How would you like to have a policy that paid for a nanny when a doctor orders a child in daycare age to be treated at home? When your child is ill, it is also a relief that you can ask a doctor or nurse to make a home call.

Child insurance covers a child’s outdoor games and non-competitive exercise. If your child goes in for sports in a sports club and participates in competitions and matches organised by a sports club or federation, you can extend coverage to include competitive sports. This can be done by adding athletes’ cover to your health insurance, or through Sports Cover.

                                                Äiti katsoo nauravaa vauvaa
For your baby
Insurance for an unborn child
Urheiluvakuutus, nainen istuu kuntosalin lattialla
Sports insurance

A child’s health and living allowance insurance is granted on the basis of the child’s own health declaration. An child’s guarding fills in the health declaration online, and it is used to determine whether the policy can be granted.

A policy may nevertheless be granted even if the child is not entirely healthy. This means that any of the child’s diseases that have already emerged may affect the extent of coverage offered. 

It is important that you do not terminate any existing policy until you have received a decision that a new policy has been granted.

Owner-customer benefits

If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.

Other benefits

  • A 40% increase in the sum insured under life insurance
  • 200-euro benefit of the deductible under MyHome Insurance
  • one-year, free-of-charge life insurance for parents with a child under one year of age

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit.

OP bonuses are used for the bank’s service charges and insurance premiums.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.