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Living Allowance Insurance

An accidental injury may result in disability, temporary incapacity for work or death. You can, however, prepare for them financially.

Living Allowance Insurance provides financial security for you and your loved ones if you are injured or die in an accident. The insurance is also valid when travelling and during sports activities.

Living Allowance Insurance – Optional cover

  Up to what age can you apply? Up to what age will it be valid? At what age is a health declaration required?

Disability Cover you get financial aid if you get a permanent disability as a result of an accident

99 100 Over 69 years

Death Cover Helps your loved ones manage financially if you die in an accident

99 100 Over 69 years

Daily Allowance Cover provides you with financial aid if you get a temporary work disability as a result of an accident

69 70

Over 64 years

 

Your daily life might suddenly transform completely. If you are for example severely injured in an accident, Living Allowance Insurance helps you to carry on financially
Ville Lampinen‚ Insurance Manager, Pohjola Insurance
What benefits are possible? Disability Cover, Death Cover, Daily Allowance Cover

Disability Cover

  • Benefit can be up to 500,000 euros.

  • A doctor determines the degree of handicap caused by, for example, an injury or accident, based on the handicap classification decree.

  • Injuries are grouped into 20 handicap classes. Handicap class 20 corresponds to full disability for which a full benefit is paid. In the smallest handicap class, including for example the loss of big toe, a 5% benefit will be paid.

  • A doctor can determine disability three months after the accident at the earliest, and three years after the accident at the latest.

Death Cover

  • Benefit can be up to 500,000 euros.

Daily Allowance Cover

  • Amount of benefit can be up to 200 euros per day, for a selected period of up to 365 days. You are entitled to daily allowance when, as a result of the accident, you are fully unable to perform your normal work duties. If you are partly unable to work, we compensate a corresponding part of the daily allowance.

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