Pohjantähti Mutual Insurance Company

Assistance call deadline

For a travel accident, medical treatment must be sought within 14 days of the accident; for a travel illness, treatment must begin during the trip or within 7 days of its end (this deadline does not apply to infectious diseases with a longer incubation period)

Unauthorized treatment

Costs are only reimbursable if the treatment, prescriptions, examinations and procedures were ordered/given in Finland by a Valvira-approved healthcare professional, or abroad by a doctor, and were medically necessary by generally accepted standards; costs from unauthorized or non-necessary treatment are not paid

Purchase while abroad

Cover starts once the policyholder and Pohjantähti have agreed on the policy, and a trip is deemed to begin when the insured leaves their normal residence/workplace/study place/holiday home in Finland; the terms do not describe purchasing the cover after a trip abroad has already started

Chronic conditions

Illnesses/injuries that existed before the trip and their pitkittyminen/foreseeable progression are excluded; only a sudden, unexpected acute worsening occurring while the insured was symptom-free at departure is covered as a travel illness, limited to 7 days of acute first-aid treatment at the destination

Pregnancy

Normal pregnancy, contraception, termination of pregnancy or childbirth are not covered; only a sudden, unexpected change in the pregnancy requiring immediate care during the trip is treated as a travel illness (max 7 days of acute care), and cover does not apply after pregnancy week 31

Pre-existing condition exclusions

Costs stemming from an illness or injury that existed before the trip, or from its foreseeable worsening, are excluded from both travel-accident and travel-illness cover; only an unforeseeable, sudden acute worsening while symptom-free is covered, limited to 7 days of emergency treatment

Coverage duration limit

Medical costs for a covered travel accident are reimbursed for up to three years from the date of the accident; medical costs for a covered travel illness are reimbursed for up to 120 days from the start of treatment

Trip cancellation

Compensation for costs when trip is cancelled due to sudden serious illness, injury or death of policyholder, travel companion, or defined relative, or significant financial loss to property in Finland

Trip interruption

Compensation for additional travel and accommodation costs, plus compensation for lost travel days when trip is interrupted due to covered accident or illness during trip

Delayed arrival at destination

Compensation for necessary goods purchase costs when luggage is delayed at least 2 hours after arrival at destination, up to EUR 400 per insured person

Baggage insurance coverage

Separate coverage for personal belongings (clothing, camera, cosmetics, passport, travel documents) covering loss, theft and damage; search and retrieval costs covered up to EUR 200

Medical expenses with direct billing

Medical costs for a covered travel accident or illness are covered without a sum insured; abroad, Pohjantähti's partner network (SOS International) can bill the insurer directly using the travel insurance card instead of requiring the traveller to pay

Baggage insurance not included

The Matkustajavakuutus (traveller's/travel-medical insurance) does not include baggage insurance; loss, theft or damage to personal belongings is covered only under the separate Matkatavaravakuutus, which is not part of this product

Minimum distance requirement for domestic travel

Travel insurance valid in Finland only when traveling at least 50 km from normal residence/workplace/study place/vacation home

Age limits

Travel insurance (Matkustajavakuutus) can be taken from 7 days old, or during pregnancy, and ends when insured person reaches 80 years; valid without age limit

Direct billing mechanism

When travel insurance card is presented to healthcare provider, provider bills Pohjantähti directly instead of requiring traveler to pay; healthcare facility often sends bills directly to insurer

Ministry of Foreign Affairs travel advisories - coverage suspension

Travel insurance is NOT valid in countries/regions where Finnish Ministry of Foreign Affairs advises against travel; coverage ends if advisory changes to 'avoid unnecessary travel' during trip

Claim notification and evidence requirements

Policyholder must make damage claim and provide necessary information to Pohjantähti for claim settlement; receipts and documentation required for self-paid costs