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On the basic metrics alone, the score was 75.6 and the rank 2. The score is now 59.8 and rank 3 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
Fennian Terveyden turva -sairausvakuutus on erittäin läpinäkyvä: hinnan voi laskea ja vakuutuksen ostaa verkossa, terveysselvitys ja rajoitusehdot selitetään tarkasti, korvattavat kulut eritellään turvakohtaisesti ja FenniaHoitaja hoitaa suoralaskutuksen klo 7-22. Hoitokuluvakuutukset ovat voimassa ilman päättymisikää. Heikkoutena euromääräisiä omavastuuvaihtoehtoja ei listata sivulla ja vakuutuksenantajan Y-tunnus puuttuu tuotesivulta.
Buying motives checked 11.10.2026 and basic metrics measured 17.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Maximum age at application | 18 p × 0.0 % | 0.0 |
| Duration of cover | 16 p × 100.0 % | 16.0 |
| Lowest excess | 10 p × 0.0 % | 0.0 |
| Termination | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 75,6 | 37.8 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application | The maximum entry age is not stated on the health insurance page, in the product brochure or in the insurance terms. | fennia.fi, Terveyden turva insurance terms · fennia.fi, Terveyden turva brochure checked 11.10.2026 | 0.0 / 18 |
| Duration of cover | The insured person's age does not limit the validity of the cover | fennia.fi checked 11.10.2026 | 16.0 / 16 |
| Lowest excess | The selectable excess options are not listed on the health insurance page, in the brochure or in the terms. The examples use 200 and 250 euros. | fennia.fi, Terveyden turva insurance terms · fennia.fi, Terveyden turva brochure checked 11.10.2026 | 0.0 / 10 |
| Termination | The policyholder can cancel the insurance at any time | fennia.fi checked 11.10.2026 | 6.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 79,7 | 23.9 |
| Transparency | 30 % × 87,5 | 26.2 |
| Reachability | 20 % × 45,0 | 9.0 |
| AI quality score | 20 % × 82,4 | 16.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 50/100 | Technical measurement | 20.0 / 40 |
| Accessibility | 99/100 | Technical measurement | 29.7 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price estimate or calculator visible without contacting the company OBSERVATION'Laske hinta ja osta sairausvakuutus', julkinen hintalaskuri ja verkko-osto | Yes | Website + AI extraction | 25.0 / 25 |
| Reimbursable treatment costs and maximum amounts clearly stated OBSERVATIONeritelty: 'Etälääkärikuluvakuutus / Yleislääkärikuluvakuutus / Erikoislääkärikuluvakuutus / Tutkimuskuluvakuutus / Leikkaus- ja hoitopäiväkuluvakuutus / Lääkekuluvakuutus / Fysioterapiavakuutus / Terapiavakuutus' | Yes | Website + AI extraction | 15.0 / 15 |
| Deductible in euros and its selection stated OBSERVATION'Omavastuun suuruus vaikuttaa vakuutusmaksuun ... Terveyden turvan omavastuu on vakuutuskausikohtainen', euromääriä ei listata sivulla | Partly | Website + AI extraction | 7.5 / 15 |
| Health assessment, waiting times and restrictions stated in advance OBSERVATION'Sairauskuluvakuutusta hankkiessa tehdään terveysselvitys ... voi tulla rajoitusehtoja tai ... vakuutusta ei voida ... edes myöntää' | Yes | Website + AI extraction | 15.0 / 15 |
| Validity period and expiry age stated OBSERVATION'Hoitokuluvakuutukset ovat voimassa ilman päättymisikää' | Yes | Website + AI extraction | 10.0 / 10 |
| Treatment provider network and direct billing stated OBSERVATION'FenniaHoitajan kautta varatuissa ajoissa lääkärikulut laskutetaan suoraan Fennialta eli maksat vain mahdollisen omavastuun'; palvelu klo 7-22 | Yes | Website + AI extraction | 10.0 / 10 |
| Insurer or Business ID shown OBSERVATION'Fennia' nimetty, mutta Y-tunnusta (0196826-7) ei tuotesivulla | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown | No | Website + AI extraction | 0.0 / 15 |
| Chat support | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 85/100 | AI analysis | 28.9 / 34 |
| Findability of pricing | 74/100 | AI analysis | 24.4 / 33 |
| Content coverage | 88/100 | AI analysis | 29.0 / 33 |
Are you a Fennia service customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +39.2 points: 59.8 → 99.0, rank 3 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
