Personal insurance

All employers must take out workers compensation insurance for their employees. This insurance covers the costs arising from any occupational injuries or diseases. The grounds for compensation are determined according to the Workers’ Compensation Act 459/2015, and the insurance is valid both in Finland and abroad.

Group life insurance provides extra protection alongside occupational accident and disease insurance. Group life insurance is compulsory in all cases where it is included in sectoral labour agreements. It means that compensation is provided to the immediate family or beneficiary if the insured individual passes away while the insurance is valid. Group life insurance claims are processed by the compensation service of the Finnish Workers' Compensation Center.

Health insurance is an excellent employee benefit which strengthens employee well-being and speeds up access to health care. Voluntary health insurance covers costs such as those arising from accidents or confirmed diseases. The insurance can be structured to fit the customer’s needs.

Employers can also choose to insure their employees against accidents that occur in their leisure time. The options available include one-time payment insurance, in which compensation is provided for treatment expenses and disability up to the maximum specified, or alternatively an option in which there is no limit on compensation of treatment expenses.

We offer travel insurance for employees’ work travel and holiday travel. This insurance covers the employee and optionally also their family members against treatment expenses relating to illnesses or accidents while travelling. It is also possible to add various types of protection to the travel insurance in accordance with the customer’s requirements. Baggage insurance, for example, covers damage to personal possessions while travelling.