LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
LähiTapiola
LähiTapiola is a travel insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
For treatment received in Finland through LähiTapiola's terveyskumppani (health partner) network, the customer only pays the deductible and does not need to use their own money; the reviewed documents do not specify a general cashless/direct-billing arrangement for treatment received abroad.
Geographic scope
Worldwide, on trips starting from Finland; also valid within Finland when the destination is more than 50 km from home, workplace, place of study or leisure residence.
Not valid in uninhabited areas outside the Nordic countries (e.g. deserts, jungles, wilderness, glaciers) beyond a day's walking distance from permanent settlement, nor in war-risk areas; Greenland, Arctic Ocean islands and Svalbard are not counted as part of the Nordic countries.
Unique selling points
- No deductible on the Matkustajan hoitoturva (traveller's medical cover) - all covered medical costs are reimbursed in full.
- No fixed euro ceiling on covered travel sickness and accident medical treatment costs.
- Children and grandchildren under 18 travelling with the insured are automatically covered free of charge on the parent's Matkustajavakuutus.
- Round-the-clock (24/7) travel emergency assistance line reachable abroad in Finnish, Swedish and English.
- Customers can get up to 17% off premiums via the Omaetu loyalty programme and up to 5% back as S-ryhmä Bonus.
Coverage limits
Medical expenses (travel sickness and accident)
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.
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.
Hospitalization / hospital daily fees
unlimited
Hospital daily fees arising from a covered travel sickness or accident are reimbursed with no euro ceiling as part of the Matkustajan hoitoturva.
Outpatient treatment
unlimited
Outpatient examinations, treatments and procedures performed by a doctor, dentist or other healthcare professional are reimbursed with no euro ceiling.
Emergency dental care
€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.
Medical transport at destination
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.
Medical evacuation / repatriation for treatment
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.
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.
COVID-19 treatment
No limit stated
Not specifically addressed in the reviewed LähiTapiola documents.
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.
Recreational 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.
Adventure / risky 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.
Personal (travel) 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.
Legal assistance (travel legal expenses)
€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.
24/7 travel emergency assistance
Covered
A round-the-clock emergency assistance service is reachable abroad on +358 800 0 4531, providing help and advice in Finnish, Swedish and English.
Key conditions
Assistance call deadline
Medical treatment must be sought during the trip or within one week (7 days) of the trip's end for the costs to be reimbursed under the Matkustajan hoitoturva.
Unauthorized treatment
The reviewed LähiTapiola documents do not specify a penalty for seeking treatment without prior contact to the travel emergency service.
Purchase while abroad
The insurance contract must always be concluded before the trip begins; it cannot be purchased once already abroad, and the applicant must have a permanent residence in Finland, live in Finland more than half the year, and hold a valid Kela card.
Chronic conditions
Chronic illnesses and conditions unrelated to the covered accident or travel sickness are not covered; however, a sudden and unexpected acute worsening of a pre-existing illness is covered as first-aid treatment for up to 10 days.
Pregnancy
The reviewed LähiTapiola documents do not contain specific provisions on pregnancy-related coverage.
Pre-existing condition exclusions
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.
Coverage duration limit
The insurance covers trips of up to 3 months. Travel sickness medical costs are reimbursed for up to 120 days from the start of treatment, and travel accident costs for up to 3 years from the date of the accident.
Where to buy
Policy specifics
Medical expenses coverage
Coverage for medical treatment costs during travel with no deductible or upper limit
SourceTrip cancellation coverage
Covers costs of cancelled trips if compelled by sudden illness, injury, or death of insured or family member
SourceTravel delay coverage
Covers additional costs incurred when arriving late to a booked trip due to weather or technical issues during transfer
SourceBaggage and luggage coverage
Covers damage and theft of baggage; includes compensation for emergency necessities if baggage arrives late to destination
Source24/7 travel emergency assistance service
24/7 emergency assistance service for medical emergencies and accidents during travel; multilingual support
SourceGeographic coverage scope
Insurance is valid worldwide for trips starting from Finland, valid in Finland when destination is more than 50 km from home
SourceReimbursement model
Insurer settles claims directly via SOS International partnership and health network partners; policyholders may pay upfront and seek reimbursement
SourceDependent child coverage
Automatically covers children under 18 traveling with the insured without separate insurance required
SourceEligibility requirements
Available to persons with permanent residence in Finland, at least 50% of annual stay in Finland, and valid KELA card
SourceTerritorial restrictions
Insurance not valid in uninhabited areas outside Nordic countries (deserts, jungles, wilderness, glaciers) or in war zones
Source