Urheiluvakuutus, nainen istuu kuntosalin lattialla

Sports insurance

Get sports insurance either by adding athletes’ covers to your health insurance, or through Sports Cover

Select athletes' covers

if you want to expand your Health Insurance to cover competitive sports or high-risk sport you do.


Select Sports Cover

when buying a licence if you do a specific sport actively, train or compete in a club, or if you are a competitive athlete.


Pohjola Hospital for athletes

At Pohjola Hospital, athletes are served by Sports and Injury Clinic and a range of Finland's leading specialists.

Sports Insurance guarantees first-rate treatment and keeps you going

Thanks to Health Insurance, you can enjoy an active lifestyle without a worry and carry on jogging, conditioning or playing outdoor games, for example. However, if you go for competitive sports or high-risk sports, you need to take out sports insurance. You can take insurance for sports either by extending your Health Insurance with athletes’ covers, or by buying Sports Cover when you buy your sports licence.

When you take up a new sport, always check whether it is covered by insurance. Contact our customer service and we will find out what kind of sports insurance suits you best.


Sports insurance is necessary in at least the following cases:

  • You take part in competitions or matches organised by a sports federation or club,
  • you go in for a special sport referred to in the insurance terms and conditions or anything with higher risks that conditioning or
  • you take part in the competitive category of a conditioning event, such as the Finlandia-hiihto skiing event.
Nainen vuorikiipeilemässä urheiluvakuutus turvanaan

Health Insurance by means of athletes' covers

Your Health Insurance will become sports insurance if you add to it athletes’ medical treatment cover, athletes’ dental cover and athletes' supplementary medical treatment cover. Extending the coverage of your Health Insurance is easiest done by calling our customer service.

Athletes’ covers included in Health Insurance are valid continuously in the sports you have chosen. You can choose the insurance to cover not only sports injuries but also injuries caused by exertions and illnesses specified in the terms and conditions. Coverable injuries include Achilles tendon and knee meniscus rupture and stress fractures. Supplementary medical treatment cover also compensates, for example, physiotherapy expenses or an orthopaedic brace enabling you to do the sport.

Children and young people can go in for competitive sports under athletes’ covers included in Health Insurance in different clubs until the age of 16. Anyone aged 16 or more may, however, select coverage for specific sports.

It is important for athletes to get back to their sport as soon as possible. Good treatment and rehabilitation play a key role.

Markku Product manager, Pohjola Insurance

Sports cover for over 80 sports

Sports Cover is a fixed-period sports insurance for people of all ages. You can buy Sports Cover easily on your sports federation’s website at the same time you buy a licence. The insurance covers injuries sustained in your sport caused by sudden events, and also injuries caused by no external factor.

Read more about Sports Cover and see the availability for various sports

Sports Insurance covers, Pohjola Hospital treats

Covered by Sports Insurance, athletes can rest assured thanks to Pohjola Hospital's Sports and Injury Clinic, Pohjola Health Advisor and some of the best specialists in Finland. Top expertise in sports injuries and excellent service, ranging from the making of an accurate diagnosis to injury treatment and rehabilitation, ensure that you will be back as soon as possible doing the things that you enjoy and feel passionate about.

Read more about Pohjola Hospital

Agility, aikido, sports covered by Suomen Aikuisurheiluliitto, American football, biathlon, shooting, car sports under AKK, sports under the Finnish Billiard Federation, cheerleading, curling, defendo, sports under Finnish Dance Organization, disc golf, golf, skiing, aviation under the Finnish Aeronautical Association and ITF Taekwon-Do activities.

Football, archery, judo, ice hockey, bandy, karate, rinkball, bowling, climbing, sports covered by World Heavy Events Association, krav maga, brazilian jiu-jitsu, padel, wrestling, sports covered by Finnish Athletics Federation SUL, basketball, cricket, Finnish skittles, handball, surfing, volleyball, ultimate and snowboarding.

Field hockey, field archery, paddling, fencing, snowmobile riding, motorised flying, motorcycling covered by SML (Finnish Motorcycle Federation), muay thai, boxing, oriental moo do, weightlifting, paintball, Finnish baseball, petanque, activities of the Nordic Krav Maga Association, kickboxing and cycling.

Harness racing, ringette, rugby, floorball, savate, shukokai karate, rowing, squash, standup paddleboarding, orienteering, taekwondo, taido, figure skating, dancing, tennis, triathlon, water skiing and pentathlon.

A hole in one insurance compensates a golfer who has made a hole in one for drinks expenses for up to 500 euros. The insurance is valid during all rounds in training and competitions. The drinks are served on the day the hole-in-one was made, in the restaurant of the golf club on whose golf course the hole-in-one was made.

Report your hole-in-one by phoning 010 253 1333. We will need the receipt and your bank details, location and time, hole number and which club you were to make the shot.

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.