Insurance in Finland: features, design and requirements

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Everyone who wants to spend a weekend or vacation in Finland must first take care of obtaining a visa and a medical policy. To obtain the first document, you must contact the Finnish consulate. But insurance in Finland is a purely individual matter. Where to apply for this document is your own business.

Many insurance companies offer insurance in Finland. But to make the right choice, you need to understand all the subtleties of the procedure.

Do I need insurance to travel to Finland

Such a document, first of all, is necessary for the traveler himself. After all, none of us is immune from various incidents, and anything can happen during a trip. No one can guarantee that you will not need medical assistance during this period. But in many countries it is provided exclusively onpaid basis, at least for foreigners. So without insurance, you should not go to Finland (and other states). Moreover, since Finland is a member of the Schengen agreement, when crossing its border, there must be a medical insurance policy. Its presence and correct filling are strictly controlled at customs.

If you are traveling to this northern country in a personal or company car, in addition to the medical policy, you will also need a Green Card (insurance). Finland is not the only country where such a document is needed. The Green Card is valid in 47 other countries of the world. This document minimizes your risks in case of an accident. It is worth noting that the "Green Card" is assigned to the car, not to the person, and is valid regardless of who exactly was driving at the time of the accident.

Do I need insurance for one day

Insurance for a trip to Finland is needed even if you cross the border for several hours. This is a prerequisite for obtaining a visa. Even if you were not asked about the policy during the process of issuing it, the customs officer must check the document before giving the go-ahead for entry. It is hardly worth risking a trip for the sake of saving a rather insignificant amount.

In addition, the traveler himself is also interested in having medical insurance in Finland. No one can guarantee you that you will not break your arm 15 minutes after crossing the border, or that you will not have any other trouble. The cost of medical services in the northern neighbors is so high thatjust one visit to the doctor can result in an amount exceeding 100 euros. And if you have to go to the hospital…

Minimum requirements for Finnish insurance

In case of obtaining insurance for a visa to Finland, a number of minimum requirements must be met:

• the smallest amount of compensation payments cannot be less than 30 thousand euros;
• recommended figure in this case is 50 thousand euros, such a policy is preferable;
• valid area - all EU countries;
• filling out the policy by hand is not allowed;
• insurance policy must not contain a deductible in any case, it must be unconditional;
• Minimum coverage package must include emergency medical care, including transportation to your home country or repatriation if needed;
• insurance to Finland should start on the day the visa is issued and cover all days of the intended trip plus an additional 15 days;
• In this case, you can only pay for the actual days of your stay.

Example: you apply for a visa on June 15th. The trip is planned from 1 to 10 July. The insurance period in this case is considered from June 15. In the policy, the insurance period will end on July 30. And you only need to pay for the days of the trip (from July 1 to July 10).

Tourists should remember that the purchased policy does not affect the period for issuing a permit to visit the country.

Office or online

You can get insurance in Finland either by personally visiting the office of the selected insurance company, orthrough the Internet. If you have ever made online purchases before, the procedure will not take you long.

Don't worry that insurance issued via the Internet will be "something not like that." You will receive a completely official document, with all the necessary signatures and seals. Such a policy has equal legal force with those obtained at the office of any IC. Such documents are accepted without question by all visa centers of the northern neighboring country.

In addition, online paperwork often saves not only time, but also money. Firstly, you do not have to travel around the city looking for the best deal and the best insurance company. The conditions of different SCs can be compared without getting up from the couch. Secondly, by buying a policy online you can save up to a quarter of the cost. After all, the price does not include the cost of the salary of an insurance agent, office rent and more. Also, when applying for insurance remotely, you exclude the possibility of imposing additional options on you, which the IC employee will almost completely try to do.

Choose an insurance program

If you need insurance to Finland, its cost will directly depend on which program you prefer. Each insurance company forms its own package of offers, but in general, all policies can be divided into 3 large groups:

1. Premium. The policy covers almost all possible risks. In addition to medical services, you can count on the help of a qualified lawyer, car repair in the event of an accident, treatment in a specialized medical facility,assistance in recovering lost documents and more.
2. Standard. Here you are guaranteed the necessary medical treatment, the transmission of urgent messages, payment for additional days in the hotel, if necessary due to illness, the delivery of a loved one to care for the sick, the transfer of young children to their homeland and some other services.
3. Economy. In this package, you can only count on emergency hospitalization or medical care. You will also be transported free of charge to the nearest clinic and may be provided with the assistance of an interpreter. This also includes repatriation services, however, this option is always present in any package.

To any of the proposed packages, you can additionally choose one or more items according to your desire. For example, you can add the service of sending home with your child's companion to the Economy package for an additional fee if you suddenly fall ill and have to extend your stay abroad.

You can also add to any of the packages:

• luggage insurance;
• assistance in the repair of vehicles in case of an accident;
• compensation "from not leaving" due to visa refusal, illness, and so on;
• other risks.

How to calculate the price of insurance

How much insurance to Finland costs, first of all, depends on which package you prefer.

There are a number of criteria that significantly affect the price of insurance:

• insurance package (list ofrisks);
• contract term;
• coverage amount - the larger it is, the more expensive the policy;
• presence of increasing coefficients - special conditions that increase the cost of insurance;
• inclusion of additional services in the policy.

As you understand, the more various factors are included in the contract, the higher the final amount will be.

Increasing factor

This is the name of the circumstances that increase the likelihood of an emergency situation. Most often these include:

• passion for extreme sports;
• pregnancy;
• presence of chronic diseases;
• respectable age, over 60;
• some others.

The presence of at least one of these factors automatically leads to an increase in the cost of insurance. But there is nothing to hide. If the client provides false information about himself at the time of issuing the policy, then his actions will be considered fraud. There is no need to talk about receiving compensation in this case.

Helps "Turtle"

If you are too lazy to independently look for offers from various insurance companies, it is most convenient to use the services of the Cherehapa service (cherehapa.ru). To find the best deals, you just need to fill out a small plate:

• country to travel to;
• dates of entry and exit;
• number of people and their age.

The service will independently select the most profitable for comparisonoffers from various insurance organizations. From the comfort of your couch, you can add or remove additional options to create the package that suits you.

Note that the prices for insurance issued on the page of this service can sometimes be less than in the company's office. This is achieved through a special partner discount provided by insurers.

Having chosen a suitable insurance company and formed the necessary package of services, it is enough to pay for the policy in a way convenient for you. Within a few minutes after the receipt of money, a ready-made policy will be sent to your email address. You can print it out and carry it with you, but it will also be available in your personal account around the clock.

Is it possible not to buy insurance

Do you really need insurance for a visa to Finland? Maybe you can not buy it?

You can, but in this case you will not go anywhere. You simply will not be issued a visa, because the presence of an insurance document is an indispensable condition for obtaining an entry permit.

To be fair, it should be said that border guards quite often are not at all interested in whether you have an insurance document. So if you already have a visa, you can try to slip through without a policy. But in practice, doing this is strongly discouraged.

Firstly, if something happens to you, you will need to pay for the treatment yourself. And this, believe me, is very expensive.

Secondly, if you get caught, it will be considered that you violatedan important requirement of the EU countries. In the future, you may have problems visiting Finland and other Schengen areas.

How to use the policy

In order for insurance in Finland to work to its fullest, you must know what to do when an insured event occurs. All UK, concluding a contract, must prescribe the procedure in case of an emergency. It must be followed strictly. Any deviation from the prescribed rules is fraught with a refusal to pay compensation.

First of all, you need to contact the service operator by the phone number indicated in the policy and tell about the trouble that has happened. Next, you need to clearly follow everything that the employee of the UK says. Most often, an employee of an insurance organization himself calls the clinic to which you need to contact and can even call an ambulance if necessary. To avoid misunderstandings, upon arrival at the clinic, it is best to find out in advance the list of procedures that you are going to have and coordinate it with your IC. Otherwise, surprises may await you during the compensation process.