Aikuisen terveysvakuutus korvaa sairauksien ja tapaturmien hoitokuluja.

Health insurance for an adult

OP health insurance or accident insurance

Choose a suitable policy for yourself

You can choose whether your health insurance covers both illnesses and accidents or just accidents.

Health insurance throughout your life

Health insurance is valid until the age of 100, covering medical treatment expenses and medication for up to 200,000 euros.

Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Best treatment for your health

Health insurance will guarantee that you get treatment not only quickly but by the best private doctors. When you are covered by health insurance, you can focus on recovering from an illness or accident without worrying about high treatment and medication expenses. Health insurance allows you to choose exactly the extent and optional cover that you want.

Important coverage against disability or death is also provided by living allowance insurance and its lump-sum compensation which, should the worst happen, will enable you or your loved ones to go on.

OP Claim Help will help you to find the nearest OP partner doctor.
Terveysvakuutuksen avulla pääset nopeasti hyvään hoitoon.

Health insurance that suits your needs

Choose exactly the extent and optional cover that you want for your health insurance. The best cover is provided by comprehensive health insurance, which is much more than sickness insurance.

Often general practitioner consultations can be taken care of by your occupational health care or at your own cost, in which case health insurance complementing your occupational health care may be sufficient. Health insurance will cover medication, surgery and more expensive examinations, such as MRIs and related doctor’s consultations, but any other appointments with doctors are excluded. 

On the other hand, if you want to insure your health with an accident insurance, you can choose between two health insurance policies that cover the treatment of accidental injuries. We recommend a more comprehensive accident insurance policy that covers not only accidents but also the medical treatment expenses of the commonest illness-related injuries.

If something happens to me, I know that will have quick access to treatment and I don't have to care about the money.

Aira Jyväskylä

Therapy, support for recovery, and cover for sport

You can include into health insurance optional covers that are only available from us. We also cover physiotherapy expenses, also as an alternative to surgery. You can also fall ill mentally, so it is comforting to know that health insurance also covers psychotherapy expenses. Health insurance also covers expenses caused by a carer or home adaptations in order for you to live at home despite your illness or when recovering from an injury.

Health insurance always covers outdoor exercise and conditioning. If you go in for a sport in a sports club or take part in competitions or matches, you can receive coverage for competitive sports either by adding athletes' covers to your health insurance or by taking out a separate Sports Cover through your club. Sports Insurance may also be necessary if you go in for a high-risk sport – in that case check your health insurance coverage with our customer service.

An adult’s health insurance and living allowance insurance is granted as a rule on the basis of a health declaration. A health declaration can be filled in online, and it is used to determine whether the policy can be granted.

A policy may nevertheless be granted even if you are not entirely healthy. This means that any pre-existing condition may affect the extent of coverage offered.

It is important that you do not terminate any existing policy until you have received a decision that a new policy has been granted.

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
  • 150-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 OP Insurance Ltd. OP cooperative banks are acting as OP Insurance Ltd’s representatives.