Travel insurance — Finland

[1] Medical expenses: Unlimited ↩

Travel insurance covers medical and hospital costs incurred during the trip without an upper euro limit and without a deductible

Matkasairauden tai matkatapaturman aiheuttamat hoitokulut matkan aikana Ei korvauskattoa 0 €

[2] Medical transport: Covered ↩

Chubb's travel emergency company SOS International arranges medical transport home when necessary

Matkahätäpalveluyhtiö järjestää tarvittaessa mm. suoralaskutuksen hoitolaitokseen sekä sairaskuljetuksen kotimaahan.

[3] COVID-19 treatment: Excluded ↩

The policy does not cover losses arising directly or indirectly from, related to, or in any way connected with COVID-19 (including its mutations or variants), including inability to travel, decisions not to travel, changes to travel plans, or related medical or healthcare costs.

Vakuutus ei kata vahinkoja, jotka johtuvat suoraan tai epäsuorasti COVID-19:stä, liittyvät siihen tai ovat millään tavalla liitännäisiä virukseen (mukaan lukien sen mahdolliset mutaatiot, muunnelmat, tai variaatiot) Näin ollen me emme korvaa COVID-19:sta, sen mutaatiosta tai sen variaatiosta aiheutuneita vahinkoja, jotka liittyvät kyvyttömyyteen matkustaa, päätöksiin olla matkustamatta, matkasuunnitelmien muuttamiseen, lääketieteellisiin tai terveydenhuoltoon liittyviin kustannuksiin.

[4] Personal liability: €60,000 ↩

Personal liability costs are covered up to €60,000, with a €50 deductible.

Vastuuvahinkorvaus Enintään 60 000 € 50 €

[5] Emergency dental: €250 ↩

The policy covers treatment for acute toothache up to €250, with no deductible.

Äkillinen hammassäryn hoito Enintään 250 € 0 €

[6] Legal assistance: €60,000 ↩

Legal costs are covered up to €60,000, with a €150 deductible.

Oikeudenkäyntikulut Enintään 60 000 € 150 €

[7] Emergency medical treatment: Unlimited ↩

Doctor and hospital costs arising from acute illness or accident during travel are covered without an upper euro limit and without a deductible

Matkavakuutus korvaa esimerkiksi lääkäri- ja sairaalakulut matkalla ilman ylärajaa ja omavastuuta.

[8] Hospitalization: Unlimited ↩

Hospital costs incurred while abroad are covered as part of the medical expenses benefit without an upper euro limit

Matkavakuutus korvaa esimerkiksi lääkäri- ja sairaalakulut matkalla ilman ylärajaa ja omavastuuta.

[9] Outpatient treatment: Unlimited ↩

Doctor visit costs during travel are covered without an upper euro limit and without a deductible

Matkavakuutus korvaa esimerkiksi lääkäri- ja sairaalakulut matkalla ilman ylärajaa ja omavastuuta.

[10] Medical evacuation: Covered ↩

The 24/7 travel emergency company organizes necessary medical transport/evacuation of the insured back to their home country

Akuutin vahingon sattuessa ota yhteys Chubbin matkahätäpalveluyhtiö SOS Internationaliin, joka avustaa hätätapauksissa vuorokauden ympäri, puh: +45 70 10 50 50. Matkahätäpalveluyhtiö järjestää tarvittaessa mm. suoralaskutuksen hoitolaitokseen sekä sairaskuljetuksen kotimaahan.

[11] Pre existing conditions: Excluded ↩

No compensation is paid if the illness or injury existed at the time the trip was booked or when the trip began

Hoitokulukorvausta ei kuitenkaan makseta, jos sairaus tai vamma on ollut olemassa matkaa tilatessa tai matkalle lähtiessä.

[12] Adventure sports cover: Conditional ↩

Insurance does not cover accidents or injuries from certain high-risk sports and competitive athletic activities requiring a license or liability waiver; a detailed exclusion list is in the policy terms

Vakuutus ei korvaa tiettyjä erityisen riskialttiiksi katsottuja harrastuksia, jotka on eritelty tarkemmin vakuutusehdoissa.

[13] Medical expenses: €30,000 – €60,000 ↩

Covers emergency medical fees and prescribed medication at first assistance, hospitalisation transfer costs, and emergency ambulance costs incurred within the territorial limits, up to 30,000€ per person per claim for Schengen and 60,000€ for Schengen Plus.

We shall insure, during the duration of the Policy and up to the Financial Limits mentioned in the Table of Coverage and Limits, for each Insured Person, the expenses listed below:

[14] Medical transport: €30,000 – €60,000 ↩

Covers urgent ambulance transport ordered by a doctor in an emergency, within the same overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus).

Expenses for urgent local ambulance journeys ordered by a doctor.

[15] COVID-19 treatment: Excluded ↩

Epidemics and/or infectious diseases that appear suddenly and spread rapidly, as well as quarantine-related consequences, are explicitly excluded from cover. A separate 130€ trip-cancellation indemnity related to Covid-19 exists under Schengen Plus, but this is a cancellation benefit, not treatment cover.

Epidemics and/or infectious diseases which appear suddenly and spread rapidly through the population, as well as those caused by pollution and/or contamination of the atmosphere.

[16] Personal liability: See details ↩

[17] Emergency dental: €100 ↩

Urgent dental expenses are covered up to 100€ per person per claim (same limit in both Schengen and Schengen Plus), excluding root canal treatment, orthodontics, cosmetic reconstruction of prior work, dentures, veneers and implants.

dental expenses considered an emergency shall be covered, excluding endodontic work, orthodontic work, cosmetic reconstructions of previous work, dentures, veneers and implants.

[18] Search & rescue: Excluded ↩

Mountain, cave, sea or desert rescue is explicitly excluded from cover.

Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar. Mountain, cave, sea or desert rescue.

[19] Legal assistance: See details ↩

[20] Emergency medical treatment: €30,000 – €60,000 ↩

Emergency medical and surgical fees and medication prescribed at the first assistance visit are covered up to the same overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus); ongoing medication for extended or chronic treatment is excluded.

Emergency medical expenses and fees. Medication prescribed by a doctor or surgeon during the first assistance service provided. This coverage excludes the successive payment of those medications or pharmaceutical costs which arise from the prolongation over time of the treatment initially prescribed.

[21] Hospitalization: €30,000 – €60,000 ↩

Covers transfer to the nearest hospital or clinic when sudden illness or accidental injury requires immediate medical care and the insured is deemed unfit to travel; costs are covered within the same overall medical expenses limit and cease once the insurer's medical advisor deems repatriation possible.

Hospitalisation expenses. We shall organise and assume the costs of the transfer fees to the nearest hospital or clinic only in case of Sudden Illness or Accidental Bodily Injury requiring immediate medical advice, when you are deemed untransportable by decision of our doctors.

[22] Outpatient treatment: €30,000 – €60,000 ↩

Outpatient emergency medical treatment is covered as part of the overall medical expenses limit (30,000€ Schengen / 60,000€ Schengen Plus); minor conditions treatable locally that do not prevent continuing the trip are excluded.

Benign medical issues which can be treated locally and do not prevent you from continuing your Trip.

[23] Medical evacuation: Covered ↩

The insurer organises and covers, at actual cost, the medical transfer of the insured to a hospital closer to their usual place of residence by air ambulance, helicopter ambulance, scheduled airline or rail, as required by medical necessity. Air and helicopter ambulances are only used within the territorial limits. Refusal of the proposed transfer suspends related cover.

Where Our medical service authorises Your transfer to a better equipped or more specialised hospital near Your Usual Place of Residence We shall undertake the said transfer according to the seriousness of the condition, by means of: Air ambulance, Helicopter ambulance, Scheduled airline, Scheduled train.

[24] Repatriation of remains: Covered ↩

In the event of death during the trip, the insurer organises transport of the body from the place of embalming to a place of burial or cremation within 75km of the insured's legal residence address, at actual cost, covering transport and mandatory administrative procedures only; funeral ceremony, burial/cremation, autopsy, and funeral home viewing costs are excluded. A separate coffin allowance of 800€ (Schengen) / 1,200€ (Schengen Plus) is also provided.

In any event, the transport destination must be within 75 kilometres of the Policyholder's legal address. We will exclusively cover the costs incurred by transport as well as the compulsory administrative procedures. The following are excluded: costs incurred by funeral ceremonies, interment or cremation...

[25] Pre existing conditions: Excluded ↩

Any pre-existing medical condition is excluded from cover, applying equally to the onset or worsening of an illness and/or injury.

Any Pre-existing Medical Conditions. This applies equally to the presentation or deterioration of illness and/or injuries.

[26] Winter sports cover: Excluded ↩

Consequences arising from the practice of winter sports, competitions or motor sports are explicitly excluded.

The consequences derived from the performance of winter sport, competitive sport or motorsports (races or rallies), as well as the performance of these dangerous activities...

[27] Adventure sports cover: Excluded ↩

Adventure sports such as rafting, bungee jumping, hydrospeed and canyoning, as well as boxing, weightlifting, wrestling, martial arts, glacier mountaineering, luge, scuba diving, caving and water ski jumping, and air sports in general, are explicitly excluded.

Airborne sports in general. Adventure sports such as rafting, bungee jumping, hydro speed, gorge walking and similar. Mountain, cave, sea or desert rescue.

[28] Pregnancy complications: Conditional ↩

Pregnancy diagnosis and emergency treatment before 16 weeks are covered under the general medical expenses limit, excluding voluntary termination of pregnancy; diagnosis, monitoring and management of pregnancy beyond 16 weeks, including childbirth, newborn care, infertility treatment and IVF, are not covered.

Before 16 weeks duration only the diagnosis of pregnancy and emergency treatment are covered, excluding voluntary pregnancy termination. The policy also excludes coverage of infertility investigations and treatments including in-vitro fertilization.

[29] Medical expenses: Unlimited ↩

Traveller insurance covers medical costs arising from illness or accident during the trip without a euro-denominated upper limit; illness costs are covered for up to 90 days from the start of treatment and accident costs for up to three years from the accident.

Matkustajavakuutus korvaa hoitokulut ilman euromääräistä ylärajaa. Matkasairauden aiheuttamia hoitokuluja korvaamme siihen asti, kun hoidon alkamisesta on kulunut 90 päivää. Matkatapaturman aiheuttamia hoitokuluja korvaamme kolme vuotta tapaturman sattumisesta.

[30] Medical transport: Conditional ↩

In addition to medical expenses, Fennia covers costs of transport back to Finland approved in advance by Fennia; approval must always be obtained before repatriation transport is arranged.

Hoitokulujen lisäksi korvaamme tarvittaessa kulut etukäteen hyväksymästämme sairaankuljetuksesta kotimaahan.

[31] COVID-19 treatment: See details ↩

No named COVID-19 benefit is stated; only a general death benefit for a legally notifiable infectious disease contracted during the trip is described.

Jos olennaisena syynä kuolemaan on matkalla saatu,tartuntatautiasetuksessa määritelty yleisvaarallinen tartuntatauti, maksetaan edunsaajalle edellisessä kohdassa mainittu vakuutusmäärä.

[32] Personal liability: €170,000 ↩

Automatically included when the policy contains baggage insurance; covers, up to EUR 170,000 per event with a EUR 150 deductible, personal injury and property damage caused to a third party for which the insured is legally liable.

Vakuutusmäärä on 170 000 euroa ja se on merkitty vakuutuskirjaan.

[33] Emergency dental: Conditional ↩

Fennia reimburses acute treatment given at the destination for toothache (for example when a tooth breaks and causes pain), but first-aid or follow-up dental treatment given after returning home is not covered.

Korvaamme akuutin matkakohteessa annetun hoidon, jos syynä on hammassärky. Jos hampaan lohkeaminen aiheuttaa kipua matkakohteessa, voit hakea ensiapua hammaslääkäriltä ja hakea korvausta meiltä. Matkan jälkeen annettu ensiapu- tai jatkohoito ei ole korvattavaa.

[34] Search & rescue: See details ↩

[35] Legal assistance: €10,000 – €20,000 ↩

Automatically included when baggage insurance is included; covers necessary and reasonable lawyer/court costs up to EUR 10,000 (deductible 15% of costs, min EUR 170), or up to EUR 20,000 under the extended version which also covers the opposing party's awarded court costs (deductible 25%, min EUR 340).

Matkustajan oikeusturvavakuutuksessa se on 10 000 euroa. Laajennetussa oikeusturvavakuutuksessa vakuutusmäärä on 20 000 euroa.

[36] Emergency medical treatment: Unlimited ↩

Traveller insurance always includes cover for medical treatment costs caused by an unexpected illness or accident during the trip, with no upper monetary limit.

Matkustajavakuutukseen sisältyvät aina korvaus matkasairauden ja matkatapaturman hoitokuluista.

[37] Hospitalization: Unlimited ↩

Hospital costs are part of the uncapped medical expenses cover; hospitalisation during a trip also triggers trip-interruption compensation for lost travel days.

Hoitokuluja ovat esimerkiksi lääkärinpalkkiot, sairaalamaksut ja lääkekulut.

[38] Outpatient treatment: Unlimited ↩

Doctor's fees and medicine costs incurred during outpatient treatment abroad are reimbursed as part of the uncapped medical expenses cover, based on original receipts.

Kulut korvataan alkuperäisten tositteiden perusteella siltä osin kuin niitä ei korvata jonkin lain nojalla. Hoitokuluja ovat esimerkiksi lääkärinpalkkiot, sairaalamaksut ja lääkekulut.

[39] Medical evacuation: €2,000 ↩

Covers pre-approved evacuation costs to the nearest safe location, up to EUR 2,000 per insured, when the Finnish Ministry for Foreign Affairs recommends leaving the area due to a natural disaster, armed conflict or act of terrorism, or in cases of life-threatening traffic accidents or violent crime.

Matkustajavakuutus korvaa evakuointikulut lähimpään turvalliseen paikkaan, kun olosuhteet matkakohteessa muuttuvat matkan aikana niin, että Suomen ulkoministeriö, Suomen lähetystö tai paikallinen valtion viranomainen suosittaa alueelta poistumista äkillisen luonnonkatastrofin, aseellisen selkkauksen tai terroriteon vuoksi. Kuluja korvataan enintään 2 000 € vakuutettua kohden.

[40] Repatriation of remains: Covered ↩

If the insured dies during the trip, reasonable repatriation costs or, alternatively, burial costs abroad are reimbursed according to invoices.

Jos vakuutettu kuolee matkan aikana, korvataan laskujen mukaiset, kohtuulliset kotiinkuljetuskulut tai vaihtoehtoisesti hautauskulut ulkomailla.

[41] Pre existing conditions: Conditional ↩

An illness whose symptoms appeared before the trip started is not covered, but sudden worsening of a pre-existing condition during the trip is covered only for up to one week of acute first-aid-type treatment at the destination if the worsening was not medically foreseeable.

Korvaamme myös hoitokuluja, jotka ovat aiheutuneet jo ennen matkaa olleen sairauden äkillisestä pahenemisesta tai tilan muutoksesta matkan aikana, jos tämä yleisen lääketieteellisen kokemuksen mukaan ei ole ollut todennäköinen tai odotettavissa. Näissä tapauksissa korvaamme ainoastaan akuutin ensiapuluonteisen matkakohteessa annetun hoidon enintään yhden viikon ajalta.

[42] Winter sports cover: Conditional ↩

Ordinary skiing on marked slopes is covered as normal sporting activity, but downhill speed skating and glacier trekking require a separate sports extension agreement and extra premium, and off-piste skiing outside marked slopes is never covered even with the extension.

Vakuutus ei ole lisäsopimuksestakaan voimassa seuraavissa lajeissa: ... laskettelu merkittyjen rinteiden ulkopuolella (ns. offpiste-laskettelu).

[43] Adventure sports cover: Optional ↩

Dangerous activities such as combat sports, motorsports, air sports, climbing, glacier or wilderness trekking, ocean sailing, and scuba/free-diving are only covered with a separate agreement and additional premium; American football, rugby and free fighting are excluded even with the extension.

Vaarallisia lajeja ovat esimerkiksi taistelulajit moottoriurheilu lentourheilu kiipeilylajit alamäkiluistelu vaellukset jäätiköillä tai yli 3 000 metrin korkeudessa vaellukset Pohjoismaiden ulkopuolella erämaassa, aavikolla tai viidakossa valtameriveneily laite- ja vapaasukellus.

[44] Pregnancy complications: Conditional ↩

Medical costs from the normal progression of pregnancy are not covered; only complications regarded as a disease condition under the policy terms are reimbursed.

Matkustajavakuutus ei korvaa raskauden normaalin etenemisen mahdollisesti aiheuttamia lääkinnällisiä kuluja eikä matkan peruuntumisen tai keskeytymisen kustannuksia. Vakuutuksesta korvataan vakuutusehtojen mukaisesti sairaudentilaksi katsottavista komplikaatioista aiheutuvat kulut.

[45] Medical expenses: Unlimited ↩

Medical expenses caused by an illness or accident occurring on the trip are reimbursed without a monetary upper limit; illness-related costs are covered for up to 90 days from the start of treatment and accident-related costs for up to 3 years from the accident.

Matkasairauden ja -tapaturman aiheuttamat hoitokulut ilman rahamääräistä ylärajaa, matkasairaudesta 90 vrk ja -tapaturmasta 3 v.

[46] Medical transport: Unlimited ↩

Reasonable and necessary ambulance and transport costs connected with treatment abroad are covered without a set cap; use of a private car is reimbursed at EUR 0.33/km.

Yksityisauton käytöstä syntyneitä kuluja korvataan enintään 0,33 euroa/km ja vain siltä osin matkaa kuin vakuutettu on kulkuneuvon kyydissä.

[47] COVID-19 treatment: See details ↩

According to If's claims specialist quoted by MTV Uutiset, a COVID-19 infection is treated as a travel illness both in Finland and abroad and is covered under the normal rules for travel illness.

Kotimaan- ja ulkomaanmatkoilla koronavirukseen sairastuminen on matkasairaus ja kuuluu korvattavaksi.

[48] Personal liability: See details ↩

Not covered under the Matkustajaturva (travel medical) product itself; liability cover is instead included in the separately purchasable Matkatavaravakuutus (luggage) product.

Korvaamme vakuutetun matkalla toiselle vahingossa aiheuttaman henkilö- tai esinevahingon, josta olet vastuussa. Enimmäiskorvausmäärä on 170 000 € ja omavastuu valinnainen.

[49] Emergency dental: €200 ↩

First-aid type treatment for sudden acute toothache at the destination (e.g. opening an abscess, temporary filling or extraction) is covered up to EUR 200 as a sub-limit within the core cover; treatment of dental disease itself is excluded.

kustannukset äkillisen hammassäryn poistamiseksi välttämättömästä hampaan ensiapuluonteisesta hoidosta, jos särky on alkanut ja hoito on annettu matkakohteessa, kuitenkin enintään 200 euroa

[50] Search & rescue: See details ↩

Not specifically addressed as a separate benefit in the reviewed travel medical policy documents.

[51] Legal assistance: See details ↩

Not covered under the Matkustajaturva (travel medical) product itself; legal expenses cover is instead included in the separately purchasable Matkatavaravakuutus (luggage) product.

Korvaamme oikeudenkäyntikuluja yksityiselämääsi liittyvissä, matkalla sattuneissa riita- ja rikosasioissa. Enimmäiskorvausmäärä on 8 500 € ja omavastuu 20 % kustannuksista, vähintään 170 €.

[52] Emergency medical treatment: Unlimited ↩

Doctor's fees and the costs of necessary examination and treatment for a sudden illness or injury abroad are covered as part of the uncapped medical expense benefit.

lääkärinpalkkiot, tutkimus- ja hoitokustannukset kohtuullisine ja välttämättömine sairaankuljetus- ja matkakustannuksineen.

[53] Hospitalization: Unlimited ↩

Hospital daily fees incurred abroad are covered without a separate euro limit as part of the uncapped medical expense benefit.

sairaalan hoitopäivämaksut

[54] Outpatient treatment: Unlimited ↩

Doctor consultations, examinations and prescribed medicines given as outpatient care abroad are covered without a set limit.

lääkärinpalkkiot, tutkimus- ja hoitokustannukset kohtuullisine ja välttämättömine sairaankuljetus- ja matkakustannuksineen.

[55] Medical evacuation: Unlimited ↩

Necessary transport (including an ambulance flight) to Finland for a seriously ill or injured insured person, plus a companion's essential travel and accommodation costs, are covered without a set cap, provided If has given its consent before the arrangements begin.

kustannukset lääketieteellisesti arvioiden välttämättömästä sairaankuljetuksesta Suomeen ja välttämättömän saattajan tarpeelliset, välittömät matkaja majoituskustannukset vakuutusyhtiön ennen järjestelyjen alkamista antaman suostumuksen mukaisesti

[56] Repatriation of remains: Not established from the insurer's documents ↩

If the insured dies during a foreign trip, reasonable transport costs of the deceased from abroad to Finland, or equivalent burial costs at the destination, are covered regardless of cause of death; no specific euro cap is stated.

[57] Pre existing conditions: Conditional ↩

Illnesses or injuries with clear symptoms already present before the trip/insurance began are excluded; only a sudden and unexpected worsening of an existing condition during the trip is covered, and only as first-aid type treatment at the destination for up to one week.

Vakuutetulla ennen matkaa olleen sairauden äkillisestä ja odottamattomasta pahenemisesta matkan aikana korvataan matkakohteessa enintään yhden (1) viikon aikana annettu akuutti ensiapuluonteinen hoito, mutta ei muita kustannuksia.

[58] Winter sports cover: Conditional ↩

Everyday winter sports such as regular downhill skiing and snowboarding are covered under the standard policy; competitive skiing/racing and off-piste skiing are excluded, and off-piste skiing plus speed/downhill racing cannot be added even with the optional Sports Cover (Urheiluturva).

9) Off-pistelaskussa ... 3) nopeus- ja syöksylasku

[59] Adventure sports cover: Optional ↩

High-risk activities such as diving, climbing, mountaineering, aviation sports and power sports are excluded from the standard cover but can generally be added for an extra premium via the optional Sports Cover (Urheiluturva); a short list of sports (e.g. American football, base jumping, speed/downhill skiing, bodybuilding, freestyle wrestling) remain excluded even with the add-on.

Edellä mainitusta urheilusta urheilurajoitus voidaan lisämaksusta poistaa erikseen sopimalla (Urheiluturva).

[60] Pregnancy complications: Conditional ↩

Costs arising from pregnancy or childbirth are excluded, except for first-aid type treatment at the destination for conditions arising before pregnancy week 29, limited to one week.

raskaudentilasta tai synnytyksestä, lukuun ottamatta Matkustajaturvassa (3.1.1) mainittuja kustannuksia.

[61] Medical expenses: Unlimited ↩

Treatment costs for travel sickness and travel accidents are reimbursed with no deductible and no euro ceiling; sickness costs are reimbursed for up to 120 days from the start of treatment, accident costs for up to 3 years from the accident.

[62] Medical transport: Covered ↩

Reasonable travel costs to reach approved examinations and treatment at the destination are reimbursed as part of medical expenses; no specific euro ceiling is stated.

[63] COVID-19 treatment: See details ↩

Not specifically addressed in the reviewed LähiTapiola documents.

[64] Personal liability: €100,000 ↩

Included within the separately selectable Matkatavaravakuutus; covers personal and property damage caused to a third party during the trip for which the insured is legally liable, up to EUR 100,000.

[65] Emergency dental: €120 ↩

First-aid treatment for sudden toothache occurring during the trip is reimbursed up to EUR 120; this cap applies to the acute first-aid element, while accident-caused dental injuries fall under the general medical expenses cover.

[66] Search & rescue: See details ↩

[67] Legal assistance: €10,000 ↩

Included within the separately selectable Matkatavaravakuutus; covers lawyer costs for private disputes, criminal and application matters related to the trip, up to EUR 10,000 per claim.

[68] Emergency medical treatment: Unlimited ↩

Doctor's fees, examinations, procedures and prescribed medicines during travel sickness or accident treatment are reimbursed with no euro ceiling under the Matkustajan hoitoturva.

[69] Hospitalization: Unlimited ↩

Hospital daily fees arising from a covered travel sickness or accident are reimbursed with no euro ceiling as part of the Matkustajan hoitoturva.

[70] Outpatient treatment: Unlimited ↩

Outpatient examinations, treatments and procedures performed by a doctor, dentist or other healthcare professional are reimbursed with no euro ceiling.

[71] Medical evacuation: Covered ↩

LähiTapiola-approved repatriation for medical treatment is covered as a reasonable cost with no stated euro limit, subject to pre-approval by the insurer.

[72] Repatriation of remains: Covered ↩

LähiTapiola-approved repatriation costs of the deceased are reimbursed with no stated euro limit, subject to pre-approval by the insurer.

[73] Pre existing conditions: Conditional ↩

Illnesses or injuries that began before the trip are not covered as travel sickness, except for a sudden and unexpected acute worsening, for which only first-aid treatment at the destination is reimbursed, up to 10 days from the start of treatment.

[74] Winter sports cover: Covered ↩

Ordinary recreational sports, such as leisure skiing, are covered under the standard travel accident cover; the product example describes an insured recreational skiing injury in Austria being reimbursed.

[75] Adventure sports cover: Excluded ↩

For insureds aged 18 or over, the fixed-term travel insurance is not valid in professional sports, competitive sports or listed risky sports/activities, and it cannot be extended to cover these.

[76] Pregnancy complications: See details ↩

[77] Medical expenses: Unlimited ↩

Medical expenses arising from travel illness or travel accident are covered without any monetary upper limit and with no deductible. Covered costs include physician fees, diagnostic and treatment costs, reasonable ambulance and transport costs, hospitalisation daily charges, medications, and medically necessary repatriation to Finland including ambulance flights. Treatment must be prescribed by a licensed physician and consistent with generally accepted medical practice. Travel illness expenses are covered for up to 90 days from start of medical care; travel accident expenses up to 3 years from the accident.

Tästä vakuutusturvasta korvataan vakuutuskirjassa tai -sopimuksessa määritellyllä matkalla turvan voimassaoloaikana sattuneen tapaturman tai alkaneen matkasairauden aiheuttamia hoitokuluja, siltä osin kuin niistä ei ole tai ei olisi ollut oikeutta korvaukseen jonkin lain perusteella.

[78] Medical transport: Unlimited ↩

Medically necessary transport costs including ambulance flights (air ambulance) back to Finland are covered without monetary limit as part of the traveller cover medical expenses. Transport to Finland or another location is arranged and approved by If. Costs for one accompanying person's necessary and immediate travel and accommodation costs are also covered for up to 7 days if the insured is in life-threatening condition. Private car use is reimbursed at max EUR 0.33/km.

kustannukset lääketieteellisesti arvioiden välttämättömästä sairaankuljetuksesta Suomeen ja välttämättömän saattajan tarpeelliset, välittömät matkaja majoituskustannukset vakuutusyhtiön ennen järjestelyjen alkamista antaman suostumuksen mukaisesti

[79] COVID-19 treatment: Unlimited ↩

COVID-19 qualifies as a travel illness if it manifests during the trip and meets the definition of a travel illness (clear symptoms first appearing during the trip or medically assessed as having begun during the trip). Medical expenses arising from COVID-19 illness during a trip are therefore covered without monetary limit under the standard travel illness cover, subject to general policy conditions. The IPID also lists epidemic at the destination as a covered event under crisis cover (section 3.1.7).

[80] Personal liability: €170,000 ↩

Travel liability insurance (Matkavastuu) covers sudden and unforeseeable personal injury and property damage caused accidentally by the insured to third parties during travel, for which the insured is legally liable. Maximum coverage EUR 170,000. The deductible is chosen by the insured. Liability cover is part of the optional travel luggage insurance (Matkatavaravakuutus), not the core traveller cover.

Vastuuturvan enimmäiskorvausmäärä on 170 000 € ja oikeusturvan 8 500 €.

[81] Emergency dental: €200 ↩

Costs for essential first-aid dental treatment to relieve acute toothache are covered up to EUR 200, provided the pain began and treatment was given at the travel destination. First-aid treatment means opening of an abscess, commencement of root canal treatment, temporary filling, or tooth extraction. Covered even if the toothache arose from biting or from other than a travel illness. Dental disease treatment beyond acute first aid and dental prosthetics are not covered.

kustannukset äkillisen hammassäryn poistamiseksi välttämättömästä hampaan ensiapuluonteisesta hoidosta, jos särky on alkanut ja hoito on annettu matkakohteessa, kuitenkin enintään 200 euroa, mutta eivät muut kustannukset.

[82] Search & rescue: See details ↩

The policy documents do not contain a specific search and rescue coverage provision. Evacuation costs related to force majeure (natural disaster, armed conflict, terrorism) at the destination are covered separately under crisis cover (section 3.1.6), limited to EUR 2,000 per insured per trip.

[83] Legal assistance: €8,500 ↩

Travel legal expenses insurance (Matkaoikeusturva) covers necessary and reasonable attorney and court costs arising from use of legal counsel in dispute, criminal, and petition matters related to the trip and travel. Maximum coverage EUR 8,500. Deductible is 20% of costs, minimum EUR 170. Cover is part of the optional travel luggage insurance (Matkatavaravakuutus).

Vastuuturvan enimmäiskorvausmäärä on 170 000 € ja oikeusturvan 8 500 €.

[84] Emergency medical treatment: Unlimited ↩

Emergency medical treatment abroad is covered without monetary limit as part of the traveller cover, including emergency physician consultations, emergency hospital treatment, emergency diagnostic procedures, and all medically necessary and urgent care ordered by a licensed physician. The insurer may direct the insured to a contracted provider; if the insured uses a different provider, reimbursement is limited to what the care would have cost at the contracted provider.

Hoitokulujen korvaaminen edellyttää, että tutkimus ja hoito ovat lääkärin määräämiä ja terveydenhuoltoalan ammattihenkilön antamia.

[85] Hospitalization: Unlimited ↩

Hospital inpatient treatment costs including daily ward charges are covered without monetary limit as part of the unlimited medical expenses cover under the traveller cover. Coverage applies to hospitalisation arising from a travel illness or travel accident occurring during the trip.

sairaalan hoitopäivämaksut

[86] Outpatient treatment: Unlimited ↩

Outpatient physician consultations, diagnostics, and treatment costs arising from a travel illness or travel accident are covered without monetary limit and without deductible. Includes laboratory tests, imaging, and other medically necessary outpatient procedures ordered by a licensed physician.

lääkärinpalkkiot, tutkimus- ja hoitokustannukset kohtuullisine ja välttämättömine sairaankuljetus- ja matkakustannuksineen.

[87] Medical evacuation: Unlimited ↩

Medically necessary evacuation or repatriation to Finland (or to the most appropriate location) is covered without monetary limit. If has the right to determine the destination and timing of transport based on medical necessity and cost appropriateness. Pre-approval from If is required before arrangements begin.

kustannukset lääketieteellisesti arvioiden välttämättömästä sairaankuljetuksesta Suomeen ja välttämättömän saattajan tarpeelliset, välittömät matkaja majoituskustannukset vakuutusyhtiön ennen järjestelyjen alkamista antaman suostumuksen mukaisesti

[88] Repatriation of remains: Unlimited ↩

If the insured dies during a foreign trip, reasonable transport costs of the remains from abroad to Finland are covered, or alternatively equivalent funeral costs at the destination abroad, regardless of cause of death. This benefit does not apply if the insured dies during a domestic trip.

Jos vakuutettu kuolee ulkomaan matkan aikana, korvataan vainajan kohtuulliset kuljetuskustannukset ulkomailta Suomeen tai enintään niitä vastaavat hautauskustannukset matkakohteessa ulkomailla.

[89] Pre existing conditions: Conditional ↩

A pre-existing illness that was present before the trip is not classified as a travel illness and is generally excluded. However, if a pre-existing illness worsens unexpectedly and acutely during the trip, acute first-aid treatment costs at the destination are covered for a maximum of one (1) week, provided the worsening was not probable or foreseeable according to general medical knowledge, and the illness was not already under active investigation or treatment (incomplete examinations) at departure. No coverage if an individual exclusion clause for that illness has been added to the policy.

Vakuutetulla ennen matkaa olleen sairauden äkillisestä ja odottamattomasta pahenemisesta matkan aikana korvataan matkakohteessa enintään yhden (1) viikon aikana annettu akuutti ensiapuluonteinen hoito, mutta ei muita kustannuksia.

[90] Winter sports cover: Unlimited ↩

Basic recreational winter sports such as downhill skiing (piste skiing), cross-country skiing, and snowboarding on marked pistes are covered under the standard traveller cover without additional premium. Off-piste skiing (off-piste lasku) is excluded under the sports restriction clause for adults (age 18+) and requires the optional sports cover add-on (Urheiluturva). Speed skiing (nopeus- ja syöksylasku) cannot be covered under any add-on.

9) Off-pistelaskussa

[91] Adventure sports cover: Unlimited ↩

For insured persons aged 18 and over, an optional sports cover add-on (Urheiluturva) removes the sports restriction and extends cover to high-risk sports such as scuba diving, climbing, glacier trekking, aerial sports (hang gliding, paragliding, skydiving in tandem), motor sports, combat sports, off-piste skiing, and strength sports. The add-on is priced according to the sports risk category. A limited set of activities (e.g. guided introductory diving, guided climbing trial up to 4 hours, bungee jumping, tandem paragliding as passenger) is already covered without the add-on. Persons under 18 are fully covered without any add-on.

Edellä mainitusta urheilusta urheilurajoitus voidaan lisämaksusta poistaa erikseen sopimalla (Urheiluturva).

[92] Pregnancy complications: Conditional ↩

Treatment costs arising from pregnancy or childbirth are generally excluded. However, acute first-aid treatment costs at the travel destination caused by the pregnancy are covered for up to one (1) week, but only if the pregnancy has not yet reached week 29 at the time of treatment. Costs arising from childbirth, infertility, contraception, assisted reproduction, sterilisation, or foetal examination are not covered under any circumstances.

raskaudentilasta tai synnytyksestä, lukuun ottamatta Matkustajaturvassa (3.1.1) mainittuja kustannuksia.

[93] Medical expenses: Unlimited ↩

There is no sum insured on the Matkustajavakuutus, so necessary and reasonable treatment, examination and procedure costs for a covered travel accident are reimbursed for up to three years from the accident, and for a covered travel illness for up to 120 days from the start of treatment

Matkustajavakuutuksen perusteella korvataan vakuutetulle aiheutuneita matkatapaturman hoitokustannuksia enintään kolmen vuoden ajan tapaturman sattumisesta.

[94] Medical transport: Unlimited ↩

Necessary and reasonable transport costs at the destination related to covered treatment, procedures and examinations are reimbursed without a sum-insured cap

korvattavaan hoitoon, toimenpiteisiin ja tutkimuksiin liittyvät välttämättömät ja kohtuulliset matkakustannukset matkakohteessa.

[95] COVID-19 treatment: See details ↩

No dedicated COVID-19 benefit or limit is stated in the reviewed T&C or IPID for the Matkustajavakuutus

[96] Personal liability: See details ↩

Not part of the Matkustajavakuutus (travel medical/accident cover) in the reviewed T&C; travel liability (Matkavastuu) is a separate benefit tied to home insurance, outside this product's scope

[97] Emergency dental: €200 ↩

Covers only acute, first-aid type treatment for a sudden toothache starting on the trip or a bite-caused chipped tooth/implant/denture, combined with related travel costs, up to EUR 200 in total; routine dental care is excluded

Hoitokustannuksia korvataan matkakustannuksineen yhteensä enintään 200 euroa.

[98] Search & rescue: See details ↩

Not covered; this benefit is not addressed in the insurer's Matkustajavakuutus terms and conditions, IPID or other product materials.

[99] Legal assistance: See details ↩

Not part of the Matkustajavakuutus (travel medical/accident cover) in the reviewed T&C; travel legal protection is a separate benefit tied to home insurance, outside this product's scope

[100] Emergency medical treatment: Unlimited ↩

Doctor's fees, prescribed treatment and examinations for a covered travel accident or travel illness are covered at the destination without a sum insured limit

kustannukset matkatapaturman tai -sairauden tarpeellisesta ja välttämättömästä hoidosta, tutkimuksesta ja toimenpiteestä

[101] Hospitalization: Unlimited ↩

Hospital daily fees arising from a covered travel accident or travel illness are reimbursed with no sum-insured cap under the Matkatapaturma ja -sairaus perusturva

sairaalan hoitopäivämaksut

[102] Outpatient treatment: Unlimited ↩

Outpatient doctor visits, examinations and procedures for a covered travel accident or illness are reimbursed without a sum-insured cap, both during the trip and after its end

kustannukset matkatapaturman tai -sairauden tarpeellisesta ja välttämättömästä hoidosta, tutkimuksesta ja toimenpiteestä

[103] Medical evacuation: Unlimited ↩

Reasonable costs of medical transport from the destination to Finland are covered with no sum-insured cap, but only when a doctor has ordered it, Pohjantähti has approved the costs in advance, and the transport is medically compelling

Matkatapaturma ja -sairaus -perusturva korvaa korvattavan matkatapaturman tai -sairauden perusteella vakuutetulle aiheutuvat kohtuulliset kustannukset sairaankuljetuksesta matkakohteesta Suomeen

[104] Repatriation of remains: Unlimited ↩

If the insured dies immediately during the trip as a result of a covered travel accident or illness, reasonable repatriation costs from abroad to Finland or reasonable burial costs abroad are covered; costs incurred in Finland are not covered

korvataan Matkatapaturma ja -sairaus -perusturvan perusteella vainajan kohtuulliset kotiinkuljetuskustannukset ulkomailta Suomeen tai hautauskustannukset ulkomailla.

[105] Pre existing conditions: Excluded ↩

Costs relating to an illness/injury that existed before the trip, or its foreseeable worsening, are excluded; only a sudden, unexpected acute worsening while the insured was symptom-free before departure is treated as a travel illness, and then only acute first-aid treatment for up to 7 days is covered

Sairauden tai vamman odottamattomana pahenemisena ei pidetä sellaisen sairauden tai vamman pahenemista, jonka tutkimukset tai hoitotoimenpiteet ovat olleet kesken matkalle lähdettäessä.

[106] Winter sports cover: Covered ↩

Ordinary skiing on marked slopes is covered, but slalom/speed/downhill skiing, freestyle skiing, skiing off marked pistes, and downhill cycling/skating are excluded regardless of the traveller's age or purpose of trip

pujottelu, nopeus- tai syöksylasku, freestyle-laskettelu tai laskettelu merkittyjen rinteiden ulkopuolella − alamäkiajo tai -luistelu

[107] Adventure sports cover: Excluded ↩

For insureds aged 15+, accidents in listed hazardous activities (combat sports, aviation sports, mountaineering/glacier trekking, scuba/free diving, motor sports, ocean sailing, benji jumping, American football/rugby etc.) are excluded regardless of the trip's stated purpose

Matkustajavakuutus ei korvaa 15 vuotta täyttäneen vakuutetun matkatapaturmaa, joka sattuu jossakin seuraavassa lajissa tai erikoisharrastuksessa

[108] Pregnancy complications: Conditional ↩

Only a sudden, unexpected and immediately-treatment-requiring change in pregnancy that was not foreseeable when the trip was booked is treated as a travel illness, covering acute first-aid treatment for up to 7 days; ordinary pregnancy, contraception, termination or childbirth are not covered, and no cover applies after week 31 of pregnancy

matkan aikana tapahtuva, äkillinen ja välitöntä hoitoa vaativa raskaudentilan muutos, mikäli vakuutettu on matkalle lähtiessään ollut oireeton eikä sairauden tai vamman äkillinen paheneminen tai raskaudentilan muutos yleisen lääketieteellisen kokemuksen mukaan ole ollut todennäköinen ja odotettavissa

[109] Medical expenses: Unlimited ↩

Medical expenses caused by travel illness or travel accident are reimbursed with no euro-denominated upper limit; travel-illness treatment is covered for up to 120 days and travel-accident treatment for up to 3 years.

Korvaamme matkasairauden hoitoa enintään 120 päivältä hoidon alkamisesta ja matkatapaturman hoitokuluja enintään kolmen vuoden ajalta tapaturman sattumisesta.

[110] Medical transport: Conditional ↩

Reasonable local travel costs to a doctor or hospital are reimbursed; medical transport to Finland (with an escort if needed) requires the insurer's prior approval, and no specific euro cap is stated for these costs.

[111] COVID-19 treatment: See details ↩

Not specifically addressed in the reviewed policy documents for this product.

[112] Personal liability: €170,000 ↩

Available as a separately selectable insurance (Matkavastuuvakuutus) alongside the medical travel insurance; covers personal/property damage the insured is legally liable for up to EUR 170,000, with a EUR 150 deductible per claim.

Ulkopuoliselle aiheuttamasi esine- tai henkilövahingon, jonka olet lain mukaan velvollinen korvaamaan. Enintään 170 000 € 150 €

[113] Emergency dental: €120 ↩

Costs of necessary treatment for a sudden toothache that began during the trip, or for a bite injury to a tooth or denture, are reimbursed including local travel costs up to a total of EUR 120; the pain/injury and its treatment must both occur during the trip.

matkalla alkaneen äkillisen hammassäryn tai puremisesta hampaalle tai hammasproteesille aiheutuneen vamman hoitokustannuksia matkakuluineen enintään 120 euroon asti. Hammassäryn osalta hoito tulee antaa matkan aikana.

[114] Search & rescue: Excluded ↩

Search and rescue costs are not covered under this travel insurance.

[115] Legal assistance: €8,500 ↩

Available as a separately selectable insurance (Matkaoikeusturvavakuutus); covers legal and court costs in civil, criminal and petition matters up to EUR 8,500, with a 15% deductible (minimum EUR 200).

Asianajo- ja oikeudenkäyntikuluja riita-, rikos- ja hakemusasioissa. Enintään 8 500 € 15 %, vähintään 200 €

[116] Emergency medical treatment: Unlimited ↩

Doctor examinations, treatments, surgery, hospital fees and prescribed medicines needed because of a travel illness or accident are reimbursed without a euro cap.

maksut lääkärin ja muun terveydenhuollon ammattilaisen tekemistä tutkimuksista, hoidoista tai leikkauksista

[117] Hospitalization: Unlimited ↩

Hospital daily fees arising from a travel illness or accident are covered as part of the hoitokorvaus benefit, which has no euro cap.

sairaalan hoitopäivämaksut

[118] Outpatient treatment: Unlimited ↩

Outpatient doctor visits and examinations for a travel illness or accident are reimbursed without an overall euro cap, subject to the 120-day/3-year duration limits.

kohtuulliset matkakulut paikalliseen lääkäriin tai sairaalaan

[119] Medical evacuation: Conditional ↩

If treatment requires it, the insurer may arrange and pay for the insured's medical transport back to Finland together with a necessary escort's travel and accommodation costs, but this always requires the insurer's prior approval; no fixed euro cap is stated.

[120] Repatriation of remains: Covered ↩

If the insured dies during the trip, reasonable repatriation costs to Finland or burial costs abroad are reimbursed regardless of the cause of death; no specific euro cap is stated for this benefit.

Maksamme ulkomailla menehtyneen vakuutetun kohtuulliset kotiinkuljetuskustannukset Suomeen tai hautauksen ulkomailla kuolinsyystä riippumatta.

[121] Pre existing conditions: Conditional ↩

Illnesses or conditions that started before the trip are excluded as travel illnesses; only a sudden, unforeseeable acute worsening during the trip is covered, and then only as emergency first-aid treatment for up to one week at the destination.

[122] Winter sports cover: Conditional ↩

Recreational skiing on marked/maintained slopes is covered under the standard travel-accident cover, but freestyle skiing, speed/downhill skiing and skiing on unmaintained slopes or outside marked slopes are excluded; this fixed-term policy cannot be extended to cover them (that extension is only available on the continuous Pohjola Matkavakuutus).

[123] Adventure sports cover: Excluded ↩

High-risk activities such as combat/self-defence sports, weightlifting/bodybuilding, aviation sports, bungee jumping, ice/rock climbing, diving or free-diving, wing/kite flying and ocean sailing, and expeditions to uninhabited regions, are excluded; this fixed-term policy has no option to add a risky-sports extension (only the continuous Pohjola Matkavakuutus offers that extension).

[124] Pregnancy complications: Conditional ↩

Pregnancy, childbirth or termination of pregnancy and related illnesses or complications are excluded, unless there is a sudden, unexpected and unforeseeable change in the pregnancy during the trip requiring immediate treatment.

[125] Medical expenses: Unlimited ↩

Travel medical expenses arising from an acute, unexpected illness or accident during the trip are covered with no deductible and no euro ceiling. Illness-related treatment costs are reimbursed for up to 90 days from the first doctor visit; accident-related treatment costs are reimbursed for up to 3 years from the accident.

Omavastuuta tai euromääräistä ylärajaa matkasairauden tai -tapaturman hoitokulujen korvauksille ei ole.

[126] Medical transport: Unlimited ↩

Necessary travel costs incurred during the trip to reach treatment are covered without a ceiling; use of a private car is reimbursed at EUR 0.25/km.

matkan aikana aiheutuvat välttämättömät matkakustannukset hoitoon hakeutumisesta. Yksityisauton käytöstä korvataan kuluja enintään 0,25 euroa/km.

[127] COVID-19 treatment: See details ↩

COVID-19 treatment is not mentioned as a separate benefit in the reviewed documents.

[128] Personal liability: €200,000 ↩

Available within the optional matkatavaravakuutus (baggage insurance add-on), covers personal/property damage the insured or a family member causes to a third party during the trip for which they are legally liable, up to EUR 200,000 per insurance period, with a EUR 200 deductible.

Matkavastuuvakuutus korvaa sinun tai perheenjäsenesi matkalla toiselle aiheuttaman henkilö- tai esinevahingon, josta olette lain mukaan korvausvastuussa. Enimmäiskorvausmäärä vakuutuskautta kohden on 200 000 euroa ja omavastuu 200 euroa.

[129] Emergency dental: €200 ↩

Sudden toothache first-aid treatment and travel costs are covered up to EUR 200; damage from biting on a tooth/denture is covered up to a separate EUR 200. Dental injury caused by a covered travel accident is instead reimbursed without this cap under ordinary medical-expenses cover.

Äkillisen hammassäryn välttämättömästä ensiapuhoidosta matkan aikana aiheutuneet hoito- ja matkakulut korvataan yhteensä enintään 200 euroon asti.

[130] Search & rescue: See details ↩

Search and rescue costs are not covered as a separate benefit under this policy.

[131] Legal assistance: €10,000 ↩

Available within the optional matkatavaravakuutus, covers necessary and reasonable legal/court costs of the insured and household members in dispute, criminal and petition matters connected to the trip, up to EUR 10,000, with a 15% deductible (minimum EUR 200).

Matkaoikeusturvavakuutus korvaa sinun ja taloudessasi vakinaisesti asuvien henkilöiden välttämättömät ja kohtuulliset oikeudenkäyntikulut matkalla aiheutuvissa riita- ja rikosasioissa, jotka liittyvät matkaan ja matkustamiseen. Oikeudenkäyntikulut korvataan 10 000 euroon asti. Omavastuu on 15 prosenttia kustannuksista mutta vähintään 200 euroa.

[132] Emergency medical treatment: Unlimited ↩

Reasonable fees for examinations and treatment by a doctor or healthcare professional are covered without a monetary ceiling, subject to the 90-day (illness) / 3-year (accident) time limits.

Korvattavia hoitokuluja ovat kohtuulliset maksut lääkärin tai terveydenhuoltoalan ammattihenkilön suorittamista tutkimus- ja hoitotoimenpiteistä

[133] Hospitalization: Unlimited ↩

Hospital daily treatment fees are covered as part of the uncapped medical expenses benefit, subject to the 90-day (illness) / 3-year (accident) time limits.

sairaalan hoitopäivämaksut

[134] Outpatient treatment: Unlimited ↩

Outpatient doctor visits, prescribed pharmacy medicines and related tests are covered without a euro ceiling, subject to the 90-day (illness) / 3-year (accident) time limits.

kustannukset lääkärin määräämistä apteekissa myytävistä lääkkeistä, joilla on Lääkealan turvallisuus- ja kehittämiskeskuksen myöntämä myyntilupa

[135] Medical evacuation: Unlimited ↩

Medically necessary transport to Finland (including ambulance flight) and an accompanying escort, plus up to 7 days of travel/accommodation costs for one close relative if the insured is in a life-threatening condition, are covered without a euro ceiling. Cover requires POP Insurance's prior consent before arrangements begin.

lääketieteellisesti arvioiden välttämättömästä sairaankuljetuksesta Suomeen ja siinä välttämättömästi tarvittavasta saattajasta aiheutuvat matka- ja majoituskustannukset vakuutusyhtiön ennen järjestelyjen alkamista antaman suostumuksen mukaisesti

[136] Repatriation of remains: Covered ↩

If the insured dies during a trip abroad, reasonable transport costs of the deceased to Finland, or equivalent burial costs at the destination, are covered regardless of the cause of death. No numeric ceiling is stated; costs must be reasonable.

Jos vakuutettu kuolee ulkomaanmatkan aikana, korvataan vainajan kohtuulliset kuljetuskustannukset ulkomailta Suomeen tai enintään niitä vastaavat hautauskustannukset matkakohteessa ulkomailla. Nämä kustannukset korvataan kuolinsyystä riippumatta.

[137] Pre existing conditions: Conditional ↩

A sudden, medically unforeseeable acute worsening of a pre-existing illness or injury during the trip is covered only for first-aid-type acute treatment for a maximum of 7 days. Not covered if the worsening was probable/expected, or if investigations/treatment were still ongoing when the trip started.

Vakuutuksesta korvataan vakuutetulla ennen matkaa olleen sairauden äkillinen ja odottamaton paheneminen matkan aikana. Tällöin korvataan matkan aikana annettu akuutti ensiapuluonteinen hoito enintään seitsemän vuorokauden ajalta.

[138] Winter sports cover: Conditional ↩

Recreational skiing/snowboarding on marked slopes, done to maintain fitness, is covered under the general sports rule. Speed/downhill racing, freestyle skiing, and skiing/riding off marked slopes are explicitly excluded.

nopeus-, syöksy- tai kumparelaskussa, freestylehiihdossa tai lasketeltaessa merkittyjen rinteiden ulkopuolella

[139] Adventure sports cover: Excluded ↩

The policy is not valid during a long list of high-risk activities: mountain/wall/rock/ice climbing (except wall climbing with safety gear), glacier trekking, combat/contact sports, weightlifting/bodybuilding, motorsports, sport/scuba/freediving, aviation sports (skydiving, hang-gliding, paragliding, ballooning, base/bungee jumping, wind-tunnel training, ultralight flying), American/Australian football, rugby, lacrosse, downhill skating/cycling, ocean sailing, and expeditions into unpopulated wilderness abroad.

kiipeilylajeissa, kuten vuori-, seinä-, kallio- tai jääkiipeily, paitsi seinäkiipeily, jossa käytetään suoja- ja turvalaitteita • jäätikkövaelluksella • taistelu-, kamppailu-, kontakti- ja itsepuolustuslajeissa • voimailulajeissa, kuten painonnosto, kehonrakennus tai vastaava • moottoriurheilussa • urheilu-, laite- ja vapaasukelluksessa • ilmailulajeissa, kuten laskuvarjohyppy, riippu- ja varjoliito, purje- ja kuumailmapallolento, base- ja benjihyppy, tuulitunneliharjoittelu

[140] Pregnancy complications: Conditional ↩

Pregnancy, childbirth, termination and related complications are excluded, except a sudden, medically unforeseeable acute change in the pregnancy that requires immediate treatment.

raskaudentilaa, synnytystä tai raskauden keskeyttämistä tai näihin liittyviä sairauksia tai komplikaatioita, ellei kyseessä ole matkan aikana tapahtunut välitöntä hoitoa vaativa äkillinen raskaudentilan muutos, joka ei yleisesti hyväksytyn lääketieteellisen käsityksen mukaan ole ollut todennäköinen tai odotettavissa

[141] Medical expenses: Covered ↩

The T&C sets no euro ceiling on reasonable medical costs for a covered travel illness or travel accident; medical costs from a travel illness are reimbursed for at most 120 days from the start of treatment, and from a travel accident for at most three years from the accident, subject to sub-limits on specific items (e.g. dental, phone calls, glasses).

[142] Medical transport: Covered ↩

Reasonable costs of medical transport home, pre-approved by Turva, and of a medically necessary escort during transport are covered when the insured has a serious travel illness or accident that has been treated at the destination and medically requires repatriation.

[143] COVID-19 treatment: See details ↩

COVID-19 is not separately addressed in the T&C or IPID; general travel-illness rules would apply but this is not explicitly confirmed for COVID-19.

[144] Personal liability: Optional ↩

Travel liability insurance (matkavastuuvakuutus) is automatically included whenever the optional matkatavaravakuutus (baggage insurance) component is selected; it covers personal injury and property damage caused to third parties while travelling for which the insured is legally liable, up to the sum insured stated in the policy schedule.

[145] Emergency dental: €120 ↩

Dental injury directly caused by a travel accident is covered under normal medical-cost rules, but treatment given abroad is reimbursed only as necessary first-aid treatment. Sudden toothache or a bite-related dental injury occurring on the trip is separately capped at a combined total of 120 euros including travel costs, and treatment must be received during the trip or within 7 days of its end.

[146] Search & rescue: See details ↩

Search and rescue costs are not a separate benefit under this policy.

[147] Legal assistance: Optional ↩

Travel legal expenses insurance (matkaoikeusturvavakuutus) is automatically included whenever the optional matkatavaravakuutus component is selected; it covers necessary and reasonable legal costs from using a lawyer in private-life disputes, criminal or petition matters directly related to the trip, up to the sum insured stated in the policy schedule.

[148] Emergency medical treatment: Covered ↩

Reasonable costs of examinations, treatments and procedures by a doctor, dentist or other authorised healthcare professional are covered without a stated euro ceiling; medically necessary and reasonable travel costs to treatment at the destination are also reimbursed.

[149] Hospitalization: Covered ↩

Hospital daily charges (sairaalan hoitopäivämaksut) are reimbursed as part of medical costs, with no separate euro ceiling stated in the T&C.

[150] Outpatient treatment: Covered ↩

Outpatient examinations, treatments and medicines purchased on prescription are reimbursed as part of medical costs without a stated euro ceiling.

[151] Medical evacuation: Covered ↩

Same provision as medical transport: Turva may require transfer at its own cost to Finland or to another facility if treatment abroad would otherwise be significantly more expensive than equivalent care in Finland.

[152] Repatriation of remains: Covered ↩

If the insured dies during the trip while the policy is in force, reasonable costs of repatriating the deceased, or alternatively reasonable and necessary burial costs abroad, are reimbursed against original invoices; no fixed euro ceiling is stated.

[153] Pre existing conditions: Conditional ↩

Medical costs for a condition that existed before the trip are not covered, except for acute, first-aid-type treatment at the destination for a sudden and unexpected worsening occurring within the first week, reimbursed for at most 10 days from the start of treatment; costs such as repatriation are not covered under this exception.

[154] Winter sports cover: Conditional ↩

Recreational skiing/snowboarding on marked slopes is covered as ordinary fitness-maintenance sport, but for insureds aged 18+ speed and downhill racing, freestyle skiing and off-piste skiing outside marked slopes are excluded as risky sports/activities.

[155] Adventure sports cover: Excluded ↩

For insureds aged 18 and over, the policy is not valid in an extensive list of risky sports and activities (e.g. combat sports, motorsports, climbing, air sports, diving, extreme skiing/skating), including one-off trial attempts, with no add-on carve-out evidenced for this fixed-term product.

[156] Pregnancy complications: Conditional ↩

Costs from the course of pregnancy, childbirth or miscarriage are not covered, except necessary first-aid-type treatment at the destination for a sudden and unexpected change occurring before week 29 of pregnancy, reimbursed for at most 10 days from the start of treatment.