Health insurance

Invest in the well-being of your company. Our health insurance ensures that you and your employees have quick access to health care, treatment, and surgery when needed.

Give yourself and your employees the financial security that our health insurance provides. Contact us for a quote on health insurance for companies in Finland.

Get a quote

High-quality treatment
Thanks to our extensive network of medical partners, you and your employees gain quick access to high-quality care and treatment
Become an attractive employer
Health insurance engages employees and improves workplace well-being, enhancing your employer brand among current and potential staff
Reduce financial costs
Both the company and its employees benefit from shorter sick-leave periods, as health insurance provides fast access to medical care

Protect your most valuable asset

Take care of your employees, yourself, and your business with the support of comprehensive health insurance.

Health insurance is a benefit appreciated by both employees and job-seekers, offering security for everyone in your company.

With our health insurance, you can choose a policy that fits your company's health care needs. You may wish to supplement the statutory insurance coverage for entrepreneurs and staff, or combine health insurance with occupational-health services.

With the health insurance, you will avoid long queues for examinations and surgery, and receive excellent care from our partners, such as Terveystalo, Mehiläinen, Pihlajalinna, and Aava private healthcare clinics.

When insured, you and your employees

Receive high-quality medical treatment and care around the clock, both during work and leisure time
Get access to a specialist even on the same day when necessary, and typically within five days
Visit our extensive network of healthcare partners, with smooth direct invoicing for added convenience

Did you know?

One day of sick leave costs approximately as much as one employee’s annual health-insurance premium. Quick access to treatment helps prevent long-term absences, reduces costs, and promotes well-being at work.

Cost of sick leave for one day: approx. €400 (incl. sick pay, substitute arrangements, overtime and work slowdowns)

Cost of health insurance per employee for a year: approx. €350

What is included in the health insurance?


	Included	Treatment costs are for example • Costs of examination and treatment of injury or illness • Hospital care fees
	Included	Examinations and treatment procedures of a specialist, such as MRI scans and surgeries.
	Included	If the employer so wishes, he or she can choose medical cover for health insurance, which will cover for medicines prescribed by the doctor.
	Included	The insurance will cover up to 10 treatments per treatment period for the costs of physical treatment after surgery or plastering.
	Included	The insurance covers the costs of medical care and rehabilitation after surgery or other hospitalisation and one permanent medical aid, such as wrist support costs.
	Included	The insurance replaces personal items that are broken in connection with an accident requiring medical treatment or during emergency medical treatment, such as: • Spectacles, hearing aids, dentees or helmets broken in the event of an accident. • Clothing broken during emergency care.
	Included	The deductible is available to the employer and can also be €0. However, for individual insurance, i.e. not group insurance, the lowest possible deductible is € 30 per consultation.

Taxation in health care insurance

Corporate Health Care Insurance can be considered as a tax-free fringe benefit, if the insurance benefit is conventional and reasonable and the whole personnel is covered by a similar insurance. In addition, the prerequisite for being a tax-free benefit is that the maximum sum insured per illness or accident is at most 10,000 euros and the average insurance premium is at most 1,000 euros per insured.

A personal risk insurance (other than care) can constitute a tax-free fringe benefit if it is a customary and reasonable benefit and does not replace part of salary payment. With regard to shareholders and partners, the benefit must be reasonable in proportion to their work contribution, and, if necessary, the Policyholder must treat the insurance premium as salary.

Other valuable business insurances

Workers' compensation

YEL pension insurance

Travel & Expat insurance