Corona virus information
Information for our customers. We at If are following the Corona virus pandemic with great interest and bringing you the most up-to-date information on it to this page.
Updated on 12th May, 2021.
What does sickness insurance cover?
We urge our customers to follow the latest information issued by the Finnish Institute for Health and Welfare (THL) on coronavirus and to follow THL's guidelines.
If you have serious symptoms, you should contact you local healt centre according to THL. Non-serious symptoms should be treated at home.
Any treatment costs incurred by coronavirus will be covered by health insurance as usual. This also applies to public healthcare costs and prescription medicines (e.g. painkillers). Corona tests will only be covered if the doctor has referred to it and THL criteria is met. Tests are not covered if, during the time of testing, a person is symptomless or exposed and without symptoms. The insurance also does not cover testing for coronavirus antibodies, coronavirus tests required for traveling, or corona certificates.
If Health Insurance customers have access to If Health services such as health advice and the remote doctor service. The remote doctor service can provide you with advice and assistance from a doctor or nurse without needing to book an appointment.
Illnesses that do not require a physical examination, such as the common cold, allergies, stomach complaints, and skin conditions, or renewing a prescription can all be handled via the remote doctor service.
Sickness insurance covers coronavirus testing by doctor’s referral, when the insured has symptoms related to the coronavirus sickness. Please note, that sickness insurances contain a fixed deductible per insurance period. Tests are not covered if, during the time of testing, a person is symptomless or exposed and without symptoms. The insurance also does not cover testing for coronavirus antibodies.
The cost of the coronavirus test at private medical centers varies between approximately 150 and 405 euros. Kela covers 100 euros of this sum. In addition to the price of the test, costs may arise due to receiving referral from a doctor and follow-up treatment instructions.
Prepare to pay the price of the coronavirus test first yourself. Through public healthcare, the coronavirus test is free, but you may be charged a health center fee for the service.
Antibody tests are not covered by insurance. The test is not suitable for determining recent infection, because the antibody levels rise with a delay of few weeks after contracting the coronavirus. The primary test for a person with symptoms is the coronavirus test, which is covered by sickness insurance.
The antibody test is mainly used to study whether a person has already had the coronavirus infection before, which is why it is not necessary for the treatment of sickness and not covered by insurance.
Insurance does not cover expenses due to quarantine.
Possible exposure to the virus alone does not justify insurance-covered testing and you must also have symptoms related to the coronavirus. You will also need to be referred to the test by a doctor.
If you suspect infection, do this:
- It is important that all suspected coronaviruses are examined via laboratory test.
- You can do the symptom evalution at the Omaolo web portal or contact healthcare.
- For symptoms that require doctoral care, private medical centers primarily recommend contacting doctors through remote services.
Compensation procedures - when your trip would have been started at the latest before the 25th of March 2020
If you are travelling to any destination abroad or in Finland you might be eligible for compensation from your travel insurance. The trip must have been planned to start on the 25th of March the latest excluding the areas, that were declared as epidemy areas before, listed in this the table below.
Travel insurances purchased after WHO declared coronavirus as a pandemic (on 11th of March 7 pm) outbreak do not cover trips cancelled if the reason for cancellation is coronavirus.
If your flight is cancelled by the airline please apply for compensation from the airline. You should also apply compensation from the tour operator or discuss the possibility to postpone your trip before submitting a claim to us. There is no hurry to make the claim, so make sure you have talked to the operators and airlines before.
The travel limitations in Finland due to the coronavirus are not basis for travel insurance compensations.
We will reimburse additional costs incurred through return travel to Finland
On 17 March 2020, the Ministry for Foreign Affairs of Finland urged Finnish tourists to return to Finland as soon as possible. If will cover all reasonable and necessary additional travel and accommodation costs for passengers up to a maximum of EUR 2,000 per trip and per policy holder.
Please contact your tour operator or airline urgently to arrange your return.
The return journey needs to have taken place on or after 17 March 2020. No compensation is payable if you have travelled after the Ministry of Foreign Affairs of Finland made its recommendation to avoid traveling to the area in question.
If you have not made any action to return home, we will not compensate extra travel costs occuring after 5th of April.
Both the original and any additional travel tickets and other receipts must be made available in order to process the claim for compensation.
|Destination||Journey begins no later than||Additional information|
Other countries and Finnish destinations (excluding the areas mentioned below)
|25 March, 2020|
North Rhine-Westphalia, Germany
|22 March, 2020|
|16 March, 2020||Excluding regions of Veneto, Lombardy, Piemonte, Emilia-Romagna (trips to these destinations should have starter 9 March)|
South Korea, Iran
|9 March, 2020|
China, Hong Kong, Macao
|31 March, 2020||Journey must have been cancelled by 3 March, 2020|