IF P&C Insurance Ltd (publ), branch in Finland

Assistance call deadline

The terms do not set a fixed number of hours to call the helpline, but If has the right to direct the insured to its chosen medical provider; if the insured instead chooses their own provider without contacting If's 24/7 travel assistance, reimbursement is limited to what treatment would have cost at If's designated provider.

Unauthorized treatment

If the insured uses a self-chosen treatment provider instead of one designated by If, the company will reimburse only the amount that treatment would have cost at its own chosen provider.

Purchase while abroad

Travel insurance is intended to be taken out before departure for an upcoming trip; the cancellation benefit specifically requires the policy to be purchased and paid at least 3 days before the trip begins and the cancellation cause must not have already emerged when the policy was taken out or the trip booked.

Chronic conditions

If a chronic illness or condition unrelated to the covered accident or illness substantially contributes to the injury or delays recovery, medical expense, daily allowance and disability benefits are paid only to the extent attributable to the covered accident or illness.

Pregnancy

Medical costs due to pregnancy or childbirth are not covered, except for first-aid type treatment at the destination for conditions arising before pregnancy week 29, limited to one week.

Pre-existing condition exclusions

Illnesses or injuries that had already appeared, with clear symptoms, before the insurance took effect are not covered; only a sudden, unexpected worsening of a pre-existing condition is covered as first-aid treatment at the destination for up to one week.

Coverage duration limit

Continuous travel insurance covers single trips of up to 45 consecutive days abroad; medical expenses from illness are covered for up to 90 days from the start of treatment and from accidents for up to 3 years; the continuous policy for medical benefits ends at age 90.

Trip cancellation and delay

Compensation for pre-paid travel and accommodation costs when a trip is cancelled for eligible reasons; maximum EUR 5,000 per trip and insured person for travel packages under Act on Travel Service Combinations

Emergency medical evacuation and repatriation

Coverage for costs of emergency medical evacuation and transport of the insured person to Finland if necessary; costs for medical evacuation are covered without limit

Luggage and personal belongings coverage

Optional coverage for loss, damage, or delay of checked luggage during travel; maximum EUR 80 per 24-hour period up to EUR 320 total per traveler for delay-related expenses

Optional domestic travel medical coverage

Optional add-on coverage for domestic travel in Finland with continuous traveler's insurance; provides medical treatment access at private medical centers

Eligible insured persons

Persons within the scope of Finnish Sickness Insurance Act with domicile in Finland and permanent residence in Finland; not residents abroad for more than 6 months; children under 20 traveling with parents automatically covered under parental coverage

Travel illness definition

Sudden and unexpected illness requiring immediate medical care that begins during the journey; does not include illnesses the insured suffered from before the journey commenced

Accident definition and scope

Sudden and unforeseeable occurrence arising from external factor causing bodily injury; includes drowning, heat-stroke, sunstroke, frostbite, gas poisoning, sudden injury from air pressure fluctuation, and inadvertent intoxication

Premium payment requirement for coverage commencement

For travel and licence insurances, a prerequisite for commencement of insurer's liability is payment of premium, unless otherwise agreed; applies to fixed-term policies

Trip cancellation claim timing requirement

Travel insurance must be purchased no later than 3 days before journey commencement; cancellation reason must not be evident before insurance coverage commencement or journey booking

War, civil unrest, and armed conflict exclusion

Travel insurance does not cover damage arising from war, civil unrest, armed conflict or equivalent; even if the insured did not participate; restriction can be removed by additional agreement; updated list of risk areas available at if.fi/warrisks

High-risk and licensed sports exclusion

Travel insurance does not cover accident or illness if damage arose from high-risk sports listed in terms and conditions; for leisure travel, does not cover licensed sports; restriction can be removed by additional agreement in individual (non-group) policies

Continuous vs. fixed-term insurance options

Travel insurance can be granted as either continuous insurance (year-round coverage for eligible trips) or fixed-term insurance (for specific journeys up to 45 days); continuous personal coverage limited to persons under age 80