Aikuisen terveysvakuutus korvaa sairauksien ja tapaturmien hoitokuluja.

Health insurance for an adult

OP health insurance or accident insurance

With Health Insurance, health advice is always with you

When you have taken out Health Insurance with OP and you fall ill, are injured or have other health concerns, Pohjola Health Advisor service is there to help you.

Through the service, you can easily contact experts at Pohjola Hospital who will evaluate your 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 Health Insurance customer, health advice is available to your free of charge on your phone and in the Pohjola Hospital app. Health Insurance and the Pohjola Health Advisor service help you avoid pointless visits to a doctor or wondering at home about your health.

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; 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 Health Ltd.

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

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Choose a suitable policy for yourself

You can choose whether your health insurance covers both illnesses and accidents or just accidents.


Pohjola Health Advisor at your service

An experienced health care professional listens to you and guides you to the appropriate treatment if you fall ill, injure yourself or have other health concerns. Please call us or use the application’s chat feature.


Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Best treatment for your health

Health insurance will guarantee that you get treatment not only quickly but by the best private doctors. When you are covered by health insurance, you can focus on recovering from an illness or accident without worrying about high treatment and medication expenses. Health insurance allows you to choose exactly the extent and optional cover that you want.

Important coverage against disability or death is also provided by living allowance insurance and its lump-sum compensation which, should the worst happen, will enable you or your loved ones to go on.

OP Claim Help will help you to find the nearest OP partner doctor.
Terveysvakuutuksen avulla pääset nopeasti hyvään hoitoon.

Health insurance that suits your needs

Choose exactly the extent and optional cover that you want for your health insurance. The best cover is provided by comprehensive health insurance, which is much more than sickness insurance.

Often general practitioner consultations can be taken care of by your occupational health care or at your own cost, in which case health insurance complementing your occupational health care may be sufficient. Health insurance will cover medication, surgery and more expensive examinations, such as MRIs and related doctor’s consultations, but any other appointments with doctors are excluded. 

On the other hand, if you want to insure your health with an accident insurance, you can choose between two health insurance policies that cover the treatment of accidental injuries. We recommend a more comprehensive accident insurance policy that covers not only accidents but also the medical treatment expenses of the commonest illness-related injuries.

If something happens to me, I know that will have quick access to treatment and I don't have to care about the money.

Aira Jyväskylä

Therapy, support for recovery, and cover for sport

You can include into health insurance optional covers that are only available from us. We also cover physiotherapy expenses, also as an alternative to surgery. You can also fall ill mentally, so it is comforting to know that health insurance also covers psychotherapy expenses. Health insurance also covers expenses caused by a carer or home adaptations in order for you to live at home despite your illness or when recovering from an injury.

Health insurance always covers outdoor exercise and conditioning. If you go in for a sport in a sports club or take part in competitions or matches, you can receive coverage for competitive sports either by adding athletes' covers to your health insurance or by taking out a separate Sports Cover through your club. Sports Insurance may also be necessary if you go in for a high-risk sport – in that case check your health insurance coverage with our customer service.

An adult’s health insurance and living allowance insurance is granted as a rule on the basis of a health declaration. A health declaration can be filled in online, and it is used to determine whether the policy can be granted.

A policy may nevertheless be granted even if you are not entirely healthy. This means that any pre-existing condition 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 OP Insurance Ltd. OP cooperative banks are acting as OP Insurance Ltd’s representatives.