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Insurance for an unborn child

Insurance for child before birth

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.

 

Baby insurance discount for prime customers

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

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.

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.