Insurance in Finland

Understanding how insurance works in Finland is essential for protecting yourself and your family, both at work and in everyday life. This guide outlines the types of insurance provided by Sentia, recommended personal insurance options, and coverage for family members and children.
Your Basic Coverage and Additional Protection Options
Finland offers a strong social security system and legally mandated protections for workers — but knowing how different types of insurance work will help you make smart decisions for yourself and your family.
Our Insurance Provided by Sentia
As a Sentia employee, you’re already covered by core insurances such as accident, unemployment, occupational health, and private healthcare via Pohjola
  • Occupational and Accident Insurance (Tapaturmavakuutus)
    Sentia provides statutory accident insurance for all employees, as required by Finnish law
    This covers:
    • Work-related injuries and illnesses
    • Accidents while commuting to and from work
    • Medical treatment and rehabilitation
    • Loss of income due to temporary or permanent disability
    Voluntary Accident Insurance for Free Time
    TVK (Finnish Workers' Compensation Center) notes that employees are not covered by the statutory accident insurance during their free time. However, individuals can voluntarily take out leisure-time accident insurance through private insurers. This type of coverage can protect you during:
    • Sports and recreational activities
    • Traveling and vacations
    • Accidents at home or in public places
    Such insurance is especially recommended for those with active lifestyles
  • Private Health Insurance
    For additional coverage beyond Kela, Sentia offers comprehensive private health insurance options through Pohjola Insurance, a part of OP Financial Group. It has lesser waiting time for the appointment and provides a premium experience.

    Here are the details of the Extra Health Insurance package:
    • Provides direct access to a GP or a specialist physician without consultation with the occupational health care service.
    • Covers examinations, care, and operations.
    • Includes coverage for medication in addition to examinations, care, operations, and extensive physiotherapy.
    • Hospitals/clinics and pharmacies invoice Pohjola Insurance directly, making the process seamless for you.
    • You can also obtain this insurance for family members to ensure full coverage for your entire household.
    We use Pohjola Terveysmestari, a digital health service that connects you with nurses for triage and appointments. Care is delivered through partner clinics, such as:
    • Mehiläinen
    • Terveystalo
    • Pihlajalinna
Additional Insurance You May Want to Consider
While your employment at Sentia includes strong insurance coverage, personal insurances like home, car, or life insurance can offer valuable extra security for you and your family.
  • Car Insurance
    Motor Liability Insurance (Liikennevakuutus)
    This is required by law for all vehicle owners in Finland. It covers:
    • Personal injuries to other drivers/passengers
    • Damage to third-party property
    Driving without it is illegal!

    Voluntary Comprehensive Insurance (Kasko)
    This protects your own car against:
    • Theft or vandalism
    • Collision damage (even if it’s your fault)
    • Natural disasters (like falling trees, hail)
    • Animal collisions
    Premiums depend on:
    • Car age and value
    • Your driving history
    • Location and deductible
    Example: OP Financial Group – Kasko Insurance
  • Home Insurance (Kotivakuutus)
    Strongly recommended — and often required by landlords.
    Covers:
    • Fire, water damage, break-ins
    • Damage to personal property (laptops, clothes, furniture)
    • Liability for damages caused to others (e.g., flooding a neighbor)
    Example: OP — Home insurance
  • Life Insurance
    Optional, but highly recommended if you:
    • Have children or a spouse/partner who relies on your income
    • Are a co-borrower on a mortgage or loan
    Life insurance can cover:
    • Lump-sum or monthly income replacement payment to your family in case of death
    • Disability or serious illness benefits
    Cost depends on:
    • Your age and health
    • Coverage amount and term length
    Example: OP — Life Insurance
  • Pet Insurance
    For cat and dog owners, pet insurance can help manage:
    • Veterinary bills for illness or accidents
    • Surgeries, scans, medications
    • Long-term treatment (e.g., arthritis, diabetes)
    Insurers often provide:
    • Customizable plans based on breed, age, and health
    • Optional add-ons like dental or liability coverage
    Example: Agria — Pet Insurance
Insurance for Children
While children in Finland benefit from comprehensive public healthcare through Kela, many families choose to supplement it with private insurance for faster access and broader protection.
  • 🏥 What’s Already Covered by Kela for Children?
    All children who are residents of Finland and covered by Kela’s public health insurance receive:
    • Free maternity and child health clinic (neuvola) visits
    • School and student healthcare
    • Regular health checks and vaccinations
    • Developmental screening
    • Public dental care (free until age 18)
    • Subsidized prescriptions
    • Hospital care (low daily fee)
  • 🧘 Private Health Insurance for Children (Sairauskuluvakuutus)
    While Kela covers the basics, private health insurance for children can provide:
    • Faster access to doctors and specialists
    • Coverage for private-sector diagnostics and treatments
    • Reimbursement for private hospital care, physiotherapy, medications
    Example: Pohjola — Child insurance

  • 🧸Accident Insurance for Children (Tapaturmavakuutus lapselle)
    Most municipalities provide basic accident insurance for children during school or daycare hours. However, this does not apply outside school time.
    A private accident insurance policy covers:
    • Injuries during sports or playtime
    • Emergency room visits and follow-up care
    • Dental accidents
    • Medical aids and rehabilitation
    This type of insurance is very affordable and covers children 24/7, including during vacations or travel.

    Example: Nordea – Children's Insurance
  • 🎓 Education or Future Savings Insurance (Säästövakuutus lapselle)
    This isn’t health-related, but is a popular financial insurance product for families. These policies are used to:
    • Build savings for the child’s future (e.g., studies, first apartment)
    • Provide financial protection in case something happens to the guardian
    • Transfer funds tax-efficiently when the child turns 18 or 21

    OP Financial Group – Saving for a Child
    OP offers a “First Investment” initiative, which provides a €100 investment in an OP-World Index fund for every baby born in Finland. This supports early long-term saving for a child’s future, such as education, hobbies, or a first apartment.

    Nordea – Saving for Your Children
    Nordea offers unit-linked savings insurance, allowing parents and even relatives to invest regularly for a child’s future. These policies are flexible, with a variety of investment strategies and the ability to transfer funds tax-efficiently when the child comes of age.
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