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. 

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.

Questions and answers: Coronavirus and sickness insurance

What does travel insurance cover?

What does travel insurance cover?

FAQ: Coronavirus and travel insurance

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. 

You can submit your claim via My Pages (in Finnish) or call to our Customer service and we will do our best to handle your claim quickly. 

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.

How do we compensate journey cancellations?

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
Tyrol, Austria
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