What does medical expenses insurance cover?
There are many terms for insurance policies that cover expenses caused by illness. These include health insurance and medical expenses insurance. As a Pohjola Insurance customer, you can insure yourself with medical expenses insurance by including it as part of Pohjola Insurance's health package.
The health package always includes Medical Treatment Cover, therapy and rehabilitation and dental cover. In other words, the insurance covers, for example, expenses arising from medical consultations, medication and surgery and, in terms of coverable injuries, musculoskeletal therapy, functional therapy etc. The insurance also covers dental examinations and treatments caused by an accident.
As additional cover, you can also choose home help package and Fitness Cover. The home help package covers home health care, home adaptation, home help and expenses of any aids prescribed by a doctor that you need for your daily life. Fitness Cover will help you to recover from illness or injury and to prevent falling ill or injuring yourself. You can choose Fitness Cover if your health package includes Medical Treatment Cover and Cost Cover specifically for illnesses. Fitness Cover compensates expenses for fitness tests and expert services recommended by a doctor or some other healthcare professional. These may include the services of a nutritional therapist or a personal gym instructor.
If you do competitive sports or are preparing for a competition or matches organised by a sports federation or club, we recommend that you take out an additional athletes’ cover specific to your sport. However, if you just exercise for your own pleasure, for example by jogging or skiing, the regular health covers will compensate any losses that may occur.
The price of health insurance
The price of a health package included in health insurance depends a lot on which covers you decide to include in it. Our most extensive health package includes Medical Treatment Cover, therapy and rehabilitation and also dental cover, compensating, for example, expenses caused by medical consultations, examinations, medication and surgery. You can also include optional covers, such as home help package, Fitness Cover and cover for accidental death. The Health insurance premium is also based on the deductibles you have chosen, the number of instalments in which you pay the premium, and on what other policies you have taken with us. The deductible is the amount you have to pay in any case in the event of loss or damage.
Once you have chosen the coverage and deductibles, you will see the preliminary price for it. By taking out more policies with us, you will get the best benefits and discounts. If you want, you can request Pohjola Insurance for a quote on all of your household’s policies using our handy online form.
Is the health insurance valid abroad?
Our health covers are valid throughout the world, but compensation is only paid for expenses incurred in Finland, unless it has been separately agreed otherwise and so entered in the policy document. If, however, coverage on such expenses has been agreed upon, with the appropriate entry in the policy document, we will compensate daily hospital charges abroad only to 400 euros per day.
If you fall ill abroad and need to see a doctor or require medical attention that causes expenses, you are covered by Pohjola Insurance’s travel insurance. Travel insurance provides cover in case of illnesses that begin or accidents that occur during travel, and you can extend coverage to include valuables and other luggage in case of, for example, breakage, disappearance or theft. Read more about the insurance below.
In case of illness, Pohjola Health Advisor and our partner physicians are there to help you
When you take out Pohjola Insurance Health insurance policies, you also get access to the Pohjola Health Advisor service free of charge. If you have concerns about your health and are contemplating on some form of home care or a visit to the doctor, you can ring Pohjola’s Health Advisor who will refer to an appropriate professional. If there is no need to visit a doctor, the Health Advisor will give you clear instructions for home care, ensuring your speedy recovery.
If you need to see a doctor, we recommend that you visit our partner physician. You will receive professional help and as our insurance customer any insurance matters will also be taken care of - when visiting our partner physician you only pay any deductible included in your policy, and no claim has to be filed afterwards.