Feature / category	Chubb European Group SE, branch in Finland	Europ Assistance S.A. (operating in Finland via Europ Assistance S.A., Irish Branch)	Fennia Mutual Insurance Company	IF P&C Insurance Ltd (publ), branch in Finland	LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)	Nordea Life Assurance Finland Ltd / Nordea Insurance Finland Ltd	Pohjantähti Mutual Insurance Company	Pohjola Insurance Ltd	Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy)	Turva Mutual Insurance Company
Online purchase	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medical expenses						Only in 3.1.1
Medical transport						Only in 3.1.1
COVID-19 treatment						Only in 3.1.1, 3.1.7
Personal liability						Only in 3.1
Emergency dental						Only in 3.1.1
Search & rescue
Legal assistance						Only in 3.1
Emergency medical treatment						Only in 3.1.1
Hospitalization						Only in 3.1.1
Outpatient treatment						Only in 3.1.1
Medical evacuation						Only in 3.1.1
Repatriation of remains						Only in 3.1.5
Pre existing conditions						Only in 3.1.1, 4.7
Winter sports cover						Only in 1.3.1
Adventure sports cover						Only in 1.3.1
Pregnancy complications						Only in 3.1.1, 4.3