Sports insurance
Get sports insurance either by adding athletes’ covers to your health insurance, or through Sports CoverSelect 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 Hospitals, athletes are treated by Finland’s leading staff of medical specialists and rehabilitation experts.
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.
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.
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.
Sports Insurance covers, Pohjola Hospital treats
In addition to Sports Insurance, athletes can depend on Pohjola Hospital experts specialised in treating the part of your body that requires care, ensuring that you get the best possible know-how and experience.
The insurance is issued by Pohjola Insurance Ltd.