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Finns are good at insuring their cars and homes, but often forget about themselves and their loved ones. Remember to take care of your own and your loved ones' health and livelihood.

Comprehensive and inexpensive insurance, tailored to the needs of yourself and your loved ones.

Our personal insurance policies offer comprehensive cover, regardless of your age, in case of accident, illness, death or disability. Health insurance guarantees that you get the best possible treatment when you need it, including a number of therapies (such as physiotherapy) should your doctor prescribe such. The insurance will help you to recover as quickly as possible, and perhaps even prevent a deterioration of your condition. You may be required to fill in a health declaration online, with policies granted on the basis of the health declaration.

We will offer you a policy that meets your needs. Once you have answered a few specific questions, we will offer you a suitable insurance package to cover your health and finances. We will also quote a price, after which you can still affect the insurance content.

Go to our online shop by clicking on the Buy insurance button, and we will suggest some policies to you and your family.

Buy insurance

(in Finnish)

You can also learn more about our personal insurance policy options in the table below.

Make use of your benefits!

#Perheenlisä ("new family member") benefit: free insurance for 12 months.
With #Perheenlisä benefit, we want to support new beginnings and the hectic and demanding life of families with babies. We offer both an unborn child's insurance and the parents' NewLife life insurance free for 12 months.

This offer is valid until 31 December 2017. Click the link below for more about this offer.

30% off health and living allowance insurance premiums for 12 months.

30% off health and living allowance insurance premiums for 12 months.
We are now offering health and living allowance insurance policies for 12 months with a 30% discount. You can select the policy with the type of coverage that suits you, offering just the kind of cover you need in case of illness or accident.

This offer will be valid until 31 December 2016. Click the link below for this offer.

Personal insurance - prevention, treatment, rehabilitation, support, financial security
Health InsuranceMedical Treatment Cover
You can use a variety of public health care services and those provided by our partner hospitals or clinics.
Cost Cover*
If you like, you can decide to only have coverage against more expensive medical treatment expenses such as operations and special examinations.
Dental Cover
This is the only type of insurance we offer that covers dental accidents and illnesses.
Supplementary Medical Treatment Cover
You can expand the types of services coverable, such as physiotherapy, osteopathy, chiropractic treatment, speech and occupational therapy, home health care, home adaptation and end-of-life care.
Fitness Cover
Fitness Cover enables you to make use of fitness tests and expert services.
  
Living Allowance InsuranceYou get a lump-sum compensation if you become disabled as a result of an accident. Your beneficiaries will receive a lump-sum compensation if you die in an accident. You will receive an allowance if you are no longer able to work at all owing to an accident.
Disability insuranceYou will get a lump-sum compensation if you get a permanent work disability as a result of an illness or accident.
  
Kultaturva in case of
serious illness*
You will get a lump-sum compensation of up to EUR 100,000 if you have a serious illness or serious accident. You can use the compensation as you like. Your family will get some financial security if you die of a coverable illness or in an accident.
Life insuranceLife insurance helps your loved ones financially if you should die as a result of an illness or accident. We will pay a lump-sum compensation to your beneficiaries. You can take out Life Insurance either as single or joint cover with your spouse.

* cannot buy Cost Cover, Sports Covers or Kultaturva through the online shop. To get them, you have to visit an OP You branch office or use OP Telephone Service.

Buy the policy by phone:
Health Insurance, call 010 253 1333.
Kultaturva, call 0100 0500.

Please also visit:

Product descriptions and terms and conditions

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