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Health Insurance

Insurance against illness or accident

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The best time to get health insurance is now

Do not waste time in insuring your health. By taking out Pohjola Health Insurance while you are healthy, any illnesses or injuries you may experience later will not affect your health insurance coverage.

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Choose the coverage you want for your health

You can choose between three options for your scope of Pohjola Health Insurance: accidents and illnesses, comprehensive accident insurance, or accidents only. You can also supplement Health Insurance with the additional cover options you want.

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Cover for all stages of care

The broad coverage for Health Insurance gives you cover throughout all stages of your care, from diagnosis and treatment to rehabilitation. Health Insurance also helps you return to daily life and covers the purchase costs of necessary medical aids.

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Health Insurance grants you access to Pohjola Health Advisor

As a Pohjola Health Insurance customer, you have access to the Pohjola Health Advisor service. If you have any questions about your health, call the Health Advisor or leave a message in the Pohjola Hospital mobile app. Our Health Advisors will listen and refer you to a suitable specialist for treatment or provide you with home care instructions.

Health insurance discount for prime customers

When you are a Pohjola Insurance prime customer, you receive a discount on our health insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurances conveniently online.

Health Insurance throughout your life

Health Insurance accompanies you throughout your life and covers the costs of illnesses and injuries based on the coverage you choose. You can take out Health Insurance for an unborn child after the baby’s 20-week-scan has been taken, after which the insurance will protect your child’s health until old age. Health Insurance is always valid until the age of 100. 

What will Health Insurance cover?

The most comprehensive Health Insurance option covers the treatment costs of illnesses and accidents, medications and rehabilitation costs to a maximum compensation of up to 200,000 euros. Health insurance ensures you fast access to treatment and the best possible care both with private practitioners and in public health care. With Health Insurance, you can focus on recovering from an illness or accident without worrying over high treatment and medication costs.  

Obligatory health declaration – log in to get your information in order

Our decision to grant you Health Insurance and the insurance’s validity are based on the information you provide on the health declaration. The health declaration asks about your current health before we grant the insurance. Any exclusions to your Health Insurance are based on the information you give on the health declaration.

If you log into the op.fi service before you start purchasing Health Insurance, you can fill in the health declaration at the same time. If you are not logged into the service, we will send you the health declaration later. Please note that if we deem you eligible for Health Insurance, the insurance will become valid only after we have received and processed your health declaration.

We recommend that you insure your health while you are healthy. This way, any future illnesses and injuries will not restrict your Health Insurance’s coverage.

Health Insurance - Cover that meets your needs

At best, Pohjola Health Insurance covers against both illnesses as well as accidents. However, you can choose a Health Insurance policy with just the cover you need. For example, you can take out Health Insurance as an additional cover to your existing occupational health care. 

Additional covers in Health Insurance

You can supplement your Health Insurance with exclusive additional cover options. For example, we cover physiotherapy expenses also as an alternative to surgery. In issues related mental health, Pohjola Health Insurance also covers the costs of psychotherapy. Health Insurance also covers expenses arising from a carer or home adaptations necessary to allow you to live at home despite your illness or injury.

Health Insurance always covers outdoor exercise and fitness training. If you practice sports 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 practise high-risk sports. In this case, check your Health Insurance coverage with our customer service.

Calculating the price of Health Insurance

How much does Health Insurance cost? The price of Health Insurance depends on a number of factors, such as the covers you choose to add to your personalised insurance. The price of Health Insurance changes and updates based on your selections.

The deductible you choose for the policy also affects the price of the insurance. By setting the amount of deductible, you decide how much you pay out of pocket in the event of an illness or accident. The higher the deductible, the lower the price of the insurance. Still, you should keep in mind that the cheapest Health Insurance is not necessarily the best or truly most affordable option in the event of a loss. See our recommendations and check the price of your Health Insurance from the calculator in the link below.

        
    
    
    
    
                                                Mies soittaa Pohjola Terveysmestarille
Treatment when you need it
Contact Pohjola Hospital’s experts through the application or by phone if you fall ill or injury yourself.
Mies ja nainen turvattuna parivakuutuksella
Life insurance

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.

Benefits from Pohjola Insurance

You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:

  • 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
  • as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
  • free 40% increase in the sum insured under life insurance.

If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.
 

Regardless of your number of policies or type of customer relationship, we always offer the following benefits:

  • a 2.5% discount when paying your insurance bill in one instalment.
  • a permanent 5% discount on life insurance purchased online.
  • free life insurance for one year for parents of children under 12 month

Benefits for OP cooperative bank owner-customer

As an owner-customer, you get the following benefits regardless of your number of policies:

  • OP bonuses you accrue will be used to pay insurance premiums*
  • free 40% increase in the sum insured under life insurance.
  • deductible benefit of 250 euros for MyHome Insurance.
  • free Product Protection Insurance for purchases made using OP credit cards

*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.
 

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