Living Allowance Insurance

Financial security for you and your loved ones

Buy online as part of Health insurance

You can buy Living Allowance Insurance cover for disability and death simply online as part of Pohjola Health Insurance.

Financial coverage for you and your loved ones

Living allowance insurance provides financial coverage for you and those close to you if you are injured or die accidentally.

Cover other accidents and illnesses as well

In addition to providing cover for accidental permanent disability or death, Health Insurance also covers other accidents. If you want, you can also take out insurance for illnesses.

Living Allowance Insurance protects you when life has an unpleasant surprise for you

You can take out Living Allowance Insurance as a financial precaution for disability or death due to an accident. The cover under Living Allowance Insurance is valid all around the world, including when you are travelling or playing sports.

Living Allowance Insurance Disability Cover and Death Cover are included in all our health insurance packages when you buy the policy online. You can choose to cover only accidents or add insurance cover for different illnesses as well.

Would you like an offer that only includes Living Allowance Insurance?

If you only want Living Allowance Insurance, follow these steps:

  1. Go to the request for offer.
  2. Select the person to be insured.
  3. Proceed to filling in the information and choose Health Insurance.
  4. In the final stage of the offer request, add a mention of wanting an offer only for Living Allowance Insurance in the supplementary information field.
  5. We will contact you and discuss the offer with you. You can then accept or decline the offer or make changes to it.

What does Living Allowance Insurance cover?

Name of cover What is included? Available
Permanent disability caused by accident Disability Cover provides financial support in a situation in which you permanently disabled following an accident. Online when taking out Health Insurance, with an offer request or by calling
Accidental death Death Cover provides financial support to your family if you die of injuries caused by an accident. Online when taking out Health Insurance, with an offer request or by calling
Daily Allowance Cover Daily Allowance Cover provides you with financial aid if you suffer a temporary work disability as a result of an accident Offer request or by calling


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

Kalle Tikkanen Product Specialist, Pohjola Vakuutus
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.