The buyer of health expense insurance asks how old one can be to still get the insurance, how long the cover continues, how small a deductible can be chosen and whether the contract can be cancelled at any time. These decide 50 points out of a hundred.
if.fi · If Vahinkovakuutus Oyj, Finnish branch (PRH 1602149-8, Sampo Group), itself issues consumer health and accident insurance (medical expenses insurance); product and price calculator on the if.fi online service
75.2SCORE
Maximum age at application90
Duration of cover25
Lowest excess88
Termination100
Basic metrics · 80.4
Digital quality68
Transparency95
Reachability70
AI quality score88
+ The price is exceptionally open: the page has a price calculator ('Calculate price') and concrete example prices (e.g. a 30-year-old living in Helsinki about 14 euros per month with a sum insured of 100,000 euros), as well as detailed claim examples in euros (knee surgery 10,700 euros)
turva.fi · Keskinäinen Vakuutusyhtiö Turva (PRH 0211695-5, mutual, customer-owned), provides consumer health expense insurance for adults and children; product at turva.fi
60.9SCORE
Maximum age at application70
Duration of cover25
Lowest excess88
Termination0
Basic metrics · 71.0
Digital quality67
Transparency82
Reachability55
AI quality score75
+ The excess is stated in euros and illustrated exceptionally clearly: you can choose 300, 500 or 1,000 euros per calendar year, and each has its own example person and justification (the payment for a 1,000-euro excess is about half of the price of a 300-euro excess)
Basic metrics: 71.0, rank 4 · ▲ 2 places
– Cancellation: The right to cancel is not stated on the health insurance page, and the instructions on the cancellation page do not open without logging in or interaction.
fennia.fi · Keskinäinen Vakuutusyhtiö Fennia (PRH 0196826-7, mutual, owned by its customers), provides the consumer Terveyden turva health expense insurance; product fennia.fi
59.8SCORE
Maximum age at application0
Duration of cover100
Lowest excess0
Termination100
Basic metrics · 75.6
Digital quality80
Transparency88
Reachability45
AI quality score82
+ You can calculate the price and buy the insurance online without contacting anyone ('Calculate the price and buy health insurance'), and the same can be done for a spouse and children
Basic metrics: 75.6, rank 2 · ▼ 1 place
– Maximum entry age: The maximum entry age is not stated on the health insurance page, in the product brochure or in the insurance terms.
lahitapiola.fi · LähiTapiola Group's non-life insurance companies (PRH 0211034-2, mutual, owned by its customers), issue the consumer Health Insurance (medical expenses insurance); product and calculator at lahitapiola.fi
52.9SCORE
Maximum age at application70
Duration of cover25
Lowest excess0
Termination0
Basic metrics · 72.6
Digital quality56
Transparency95
Reachability55
AI quality score81
+ The page has a price calculator ('calculate your own price') and price examples for different ages and different localities, and the compensation amount (200,000 euros) and accident treatment costs (20,000 euros with no excess) are stated in euros
Basic metrics: 72.6, rank 3 · ▼ 1 place
– Lowest excess: The page mentions only an excess of 1,000 euros and states that there are several options, but they are not listed on the health insurance page.
pohjantahti.fi · Keskinäinen Vakuutusyhtiö Pohjantähti (PRH 0146905-4, mutual, owned by its customers), issues the consumer Health Insurance (Terveysvakuutus; illness and accident cover); product pohjantahti.fi
30.8SCORE
Maximum age at application0
Duration of cover25
Lowest excess0
Termination0
Basic metrics · 53.5
Digital quality72
Transparency42
Reachability38
AI quality score58
+ The validity age is stated exceptionally clearly: the insurance can be taken out from the age of 7 days or during pregnancy, and it continues uninterrupted until the end of the insurance period during which the insured turns 80
Basic metrics: 53.5, rank 5 · no change
– Maximum entry age: The maximum entry age is not stated on the health insurance or sickness insurance page. The terms document could not be read as text.
QUESTIONHow old can you still be to take out medical expenses insurance?
Maximum age at which the insurance can be taken out (years).
70 years or more = 100 points, 60 years or less = 0, in between directly proportional.
18 p
Duration of cover
QUESTIONDoes health expense cover also continue at an older age?
Whether the insurance has an expiry age.
No end age = 100 points, ends at age 80 = 25, ends earlier = 0.
16 p
Lowest excess
QUESTIONHow low can the excess be set?
The smallest selectable annual excess stated by the insurer (euros).
200 € or less = 100 points, 1,000 € or more = 0, directly proportional in between.
10 p
Termination
QUESTIONCan I get out of the contract whenever I want?
Can the policyholder cancel the insurance at any time.
Any time = 100 points, restricted = 0.
6 p
Basic metrics
Digital quality, transparency, reachability and AI quality score
Basic metrics × 0.5
50 p
Notes
The comparison includes five insurers and their health expense insurance (medical expense insurance) sold to private individuals. OP is not included because its pages are behind a cookie and login wall.
Price was not scored. The public example prices have been calculated for different ages, different locations, different deductibles and different insured amounts (If 14 €/month with a 1,000 euro deductible and a 100,000 euro insured amount, LähiTapiola 21–34 €/month), so they cannot be honestly compared with each other. The actual price becomes clear only with the calculator based on your age and health statement.
Missing information earns no points. If the company's pages do not state the matter clearly, the value was left empty. All five require a health statement, so it was not scored.
About this comparison
Private health insurance covers doctor visits, examinations and treatments alongside public healthcare, but the price, excess and restrictions are not always visible before contact. We scored 5 Finnish insurance companies on 20 metrics. The most important question: can you see the price estimate, excess and restrictions directly on the page, or only after a health declaration and quote request?
What transparency means in this category
Price estimate or calculator is visible without making contact (25), reimbursable treatment costs and maximum amounts clearly stated (15), excess in euros and its selection stated (15), health declaration, waiting periods and restrictions stated in advance (15), eligibility age and end age stated (10), treatment provider network and direct billing stated (10), insurer or business ID (Y-tunnus) displayed (10)
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
Price and excess are decisive. The price of health expense insurance depends on age, health and the chosen deductible, so some companies show the price only in a calculator or after a quote request. Companies that have a working online price calculator and state the deductible in euros rank at the top; those that direct all enquiries behind a contact request fall behind. The lack of a calculator is a measurement gap, not an automatic zero.
The health declaration and restrictions are a pain point in the industry. Insurance is granted on the basis of a health declaration, and existing illnesses, symptoms or waiting periods may limit coverage. The companies that rise to the top of the comparison are those that openly state, already on the product page, the scope of the health declaration, the covered costs, maximum amounts, the maximum age of cover and the network of treatment providers.
Pohjola Vakuutus (OP) is not included in the comparison. OP sells medical expense insurance (Terveysvakuutus), but op.fi serves its content behind a cookie and login wall, which we do not bypass. We therefore could not measure its transparency from the public page in this round. This is a measurement gap on our side, not a claim about OP. The same approach has been taken in our other insurance comparisons.
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