Health insurance for companies in Finland

Healthy and motivated personnel = profitable company

Health insurance help maintain the well-being of your employees and shorten absence due to illness at work.

High-quality treatment
Thanks to our extensive network of medical partners you and your employees get quick access to high-quality treatment and care
Become an attractive employer
Health insurance engages employees and improves the well-being of the work community, enhancing your company among staff and prospects
Reduce financial costs
Both the company and the employees benefit from shorter sick leave when health insurance secures a quick pathway to medical care

Protect your most valuable asset

Take care of your employees, yourself, and your business with the help of health insurance.

Health insurance is a benefit valued by staff and job seekers that provides security for both yourself and your employees. With our health insurance, you can choose a policy plan that suits your company's health care needs. You might want to complement the statutory insurance protection of entrepreneurs and personnel or combine your health insurance with occupational health services. With health insurance you will avoid long queues to examinations and surgical operations and receive good care thanks to our partners such as Terveystalo, Mehiläinen, Pihlajalinna and Aava private healtcare clinics.

With health insurance, you and your employees

will receive high-quality medical treatment and care around the clock during work and leisure
get access to a specialist already on the same day, usually within less than 5 days
can visit our extensive network of healthcare partners and thanks to convenient direct invoicing, your visit will run smoothly.

What is included in the health insurance?
Treatment costs are for example • Costs of examination and treatment of injury or illness • Hospital care fees	Included
Examinations and treatment procedures of a specialist, such as MRI scans and surgeries.	Included
If the employer so wishes, he or she can choose medical cover for health insurance, which will cover for medicines prescribed by the doctor.	Included
The insurance will cover up to 10 treatments per treatment period for the costs of physical treatment after surgery or plastering.	Included
The insurance covers the costs of medical care and rehabilitation after surgery or other hospitalisation and one permanent medical aid, such as wrist support costs.	Included
The insurance replaces personal items that are broken in connection with an accident requiring medical treatment or during emergency medical treatment, such as: • Spectacles, hearing aids, dentees or helmets broken in the event of an accident. • Clothing broken during emergency care.	Included
The deductible is available to the employer and can also be €0. However, for individual insurance, i.e. not group insurance, the lowest possible deductible is € 30 per consultation.	Included

Did you know this about health insurance?

Did you know that one day of sick leave costs approximately as much as one year of health insurance for one employee? Quick access to treatment prevents long-term sick leave, saves costs, and increases well-being at work.

Price of one day of sick leave: approximately € 400 (incl. sick pay, substitute arrangements, overtime and work slowdowns)

Price of health insurance for one person per year: approximately 350 €

Taxation in health care insurance

Corporate Health Care Insurance can be considered as a tax-free fringe benefit, if the insurance benefit is conventional and reasonable and the whole personnel is covered by a similar insurance. In addition, the prerequisite for being a tax-free benefit is that the maximum sum insured per illness or accident is at most 10,000 euros and the average insurance premium is at most 1,000 euros per insured.

A personal risk insurance (other than care) can constitute a tax-free fringe benefit if it is a customary and reasonable benefit and does not replace part of salary payment. With regard to shareholders and partners, the benefit must be reasonable in proportion to their work contribution, and, if necessary, the Policyholder must treat the insurance premium as salary.

Invest in the well-being of your company

Give yourself and your employees the financial security that health insurance provides

Health insurance

Healthy and motivated personnel = profitable company

Protect your most valuable asset

Did you know this about health insurance?

Invest in the well-being of your company

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