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Insurance for an unborn child

Insurance for child before birth
For your baby

Our baby insurance brings health advice in your pocket

When your baby is covered by baby 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 baby'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 baby insurance customer, health advice is available to your free of charge on your phone and in the Pohjola Hospital app. Thanks to baby insurance and the Pohjola Health Advisor service, you do not have to worry about whether you should take the baby 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

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The best insurance for your baby

By taking out our pre-birth insurance already during your pregnancy, any illnesses discovered after birth will not affect your child’s insurance coverage.

Insurance throughout the life of your child

Our baby insurance does not end as your child grows, but continues as Pohjola Health Insurance throughout the child’s life without interruptions – up to age 100.

Pohjola Health Advisor at your service

Pohjola Health Advisor assists you in matters related to your baby’s health. Contact the service by mobile app or phone to receive care instructions and a referral to a suitable doctor, if needed.

Your benefits as an owner-customer

As an OP cooperative bank owner-customer, you are entitled to substantial discounts on your policies as well as many other benefits.


Congratulations - a baby on its way!

Soon you will be able to hold your baby in your arms. When the little baby arrives, I’m sure we all want to offer him or her nothing but the best. A baby insurance, that is, a yet unborn child’s health and living allowance insurance, will give your baby coverage against illnesses and accidents throughout their lifetime. We recommend that you take out the policy already before the birth.

You can apply for an unborn child’s policy after the screening for structural foetal anomalies all the way up to the beginning of the birth of the child. The mother must be under 46 years of age at the calculated date of birth and participated in all offered prenatal examinations and screens.

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Baby insurance also brings security to the mother

Taking out a policy for an unborn child also brings security to the child’s mother. The policy also covers the expecting mother’s medical treatment expenses when they are necessary for the baby’s state of health. The baby insurance will cover, for example, treatment of gestational diabetes, so you can concentrate on your baby without worrying about expenses.

Are you a mother who loves to travel? This is ok also during pregnancy. If you travel when pregnant, remember to take out a travel policy both for yourself and your unborn child.

I have a peace of mind and I can concentrate on my pregnancy! If something happens during pregnancy or childbirth, my unborn child is covered by insurance.

Tiina Expecting mother, Vantaa

Choose the easier option with children in the family

If there is an accident or the child falls ill, it is comforting to know that the insurance for an unborn child is valid right from birth. The insurance covers visits to the doctor, examinations and medication, whether you choose public or private health care. A comprehensive health insurance taken out before birth can serve at its best throughout the lifetime, from school, via independence to adulthood. 

Baby insurance will also bring help to your child or family at home. You can, for example, ask a doctor or nurse to make a home call or hire a nanny if a doctor orders your ill child in daycare age to be treated at home. A health insurance policy taken out for an unborn child compensates throughout the lifetime a range of therapies, such as physiotherapy and occupational therapy that supports recovery from an illness or injury.

You can apply for an unborn child’s policy after the screening for structural foetal anomalies all the way up to the beginning of the birth of the child. The mother must be under 46 years of age at the calculated date of birth and participated in all offered prenatal examinations and screens to determine the child’s state of health. The mother’s health declaration determines whether a policy for an unborn child can be granted.

If you want to apply for a health and living allowance insurance policy with the same coverage only after the child’s birth, a decision will be made on the basis of the child’s own health declaration. This means that any of the child’s diseases that have emerged may also affect the extent of coverage offered. However, a policy may be granted even if the child is not entirely healthy.

You can fill in a health declaration online when buying a policy.

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.