As well as mandatory social insurance charges (e.g. pension insurance and health insurance), there are many other types of private insurance when you live in Finland, such as motor liability insurance, car and home insurance. For example, home insurance is often a condition for renting a home. All persons owning a motor vehicle are required to take out motor liability insurance, but car insurance (so-called casco insurance) is optional.
Most insurance companies do not grant personal insurance to persons staying in Finland temporarily; a person must be living in Finland permanently and be covered by Finnish social security. Home insurance, on the other hand, can usually also be granted to persons living in Finland temporarily. The requirements are based on the companies’ own practices and not on the law, so you can ask insurance companies for more detailed information.
Insurance companies operating in Finland include If, LocalTapiola, Pohjola, Fennia and Folksam.
Private health insurance
As well as Kela health insurance, private insurance companies offer voluntary health insurance which can provide more extensive financial resources than mandatory health insurance for the treatment of an illness or health condition. Insurance must always be taken out in the country where you have social security coverage. If you want additional protection from private insurance for a temporary stay abroad, travel insurance is the only option.
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NB! If you have questions regarding the processing of a specific case or application, or other personal matters, please contact the relevant authority directly.