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On the basic metrics alone, the score was 80.4 and the rank 1. The score is now 75.2 and rank 1 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Ifin Terveysturva on vertailun avoimin: hintalaskuri ja konkreettiset esimerkkihinnat euroina ovat sivulla, omavastuu (1 000 euroa) ja vakuutusmäärä (100 000/200 000 euroa) kerrotaan, myöntö- ja loppumisikä (69/80 v) ilmoitetaan, suorakorvausverkosto nimetään ja If Terveysapu tarjoaa maksuttoman chat-lääkärin. Terveysselvitys täytetään oston jälkeen. Heikkoutena Y-tunnusta ei näytetä tuotesivulla ja korvattavuus rajoittuu Suomeen.
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 × 90.0 % | 16.2 |
| Duration of cover | 16 p × 25.0 % | 4.0 |
| Lowest excess | 10 p × 87.5 % | 8.8 |
| Termination | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 80,4 | 40.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application | You can take out the insurance at the age of 15–69 | if.fi checked 11.10.2026 | 16.2 / 18 |
| Duration of cover | Insurance is valid until age 80 | if.fi checked 11.10.2026 | 4.0 / 16 |
| Lowest excess | Deductible options 300, 500 and 1,000 € | if.fi checked 11.10.2026 | 8.8 / 10 |
| Termination | Voluntary insurance can be cancelled at any time | if.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 % × 67,8 | 20.3 |
| Transparency | 30 % × 95,0 | 28.5 |
| Reachability | 20 % × 70,0 | 14.0 |
| AI quality score | 20 % × 88,0 | 17.6 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 36/100 | Technical measurement | 14.4 / 40 |
| Accessibility | 99/100 | Technical measurement | 29.7 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 58/100 | Technical measurement | 8.7 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price estimate or calculator visible without contacting the company OBSERVATION'Laske hinta vakuutukselle' + 'Helsingissä asuva 30-vuotias henkilö, hinta keskimäärin 14 euroa kuukaudessa' | Yes | Website + AI extraction | 25.0 / 25 |
| Reimbursable treatment costs and maximum amounts clearly stated OBSERVATION'korvaamme hoitokulusi valintasi mukaan 100 000 tai 200 000 euroon saakka'; 'lääkärinpalkkiot, tutkimukset ja reseptilääkkeet ... erikoislääkäri ... leikkaukset' | Yes | Website + AI extraction | 15.0 / 15 |
| Deductible in euros and its selection stated OBSERVATION'Siinä on 1 000 euron omavastuu'; 'Toisessa terveysvakuutuksessamme voit valita omavastuuksesi 300 tai 500 euroa' | Yes | Website + AI extraction | 15.0 / 15 |
| Health assessment, waiting times and restrictions stated in advance OBSERVATION'Terveysturvan oston jälkeen sinua pyydetään täyttämään sähköinen selvitys terveydentilastasi. Vakuutuksen voimaantulo edellyttää terveysselvityksen täyttämistä' | Yes | Website + AI extraction | 15.0 / 15 |
| Validity period and expiry age stated OBSERVATION'voidaan myöntää 69-vuotiaaksi asti ja on voimassa 80-vuotiaaksi asti' | Yes | Website + AI extraction | 10.0 / 10 |
| Treatment provider network and direct billing stated OBSERVATION'laaja suorakorvausverkosto. Suorakorvaus toimii kaikissa Terveystalon, Pihlajalinnan, Mehiläisen, Pikkujätin ja Aavan toimipisteissä' | Yes | Website + AI extraction | 10.0 / 10 |
| Insurer or Business ID shown OBSERVATION'If' nimetty, mutta Y-tunnusta (1602149-8) 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 | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 88/100 | AI analysis | 29.9 / 34 |
| Findability of pricing | 86/100 | AI analysis | 28.4 / 33 |
| Content coverage | 90/100 | AI analysis | 29.7 / 33 |
Are you a customer of the If service? 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 +9.8 points: 75.2 → 85.0, and your lead over number two grows 14.3 → 24.1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The #1 badge is awarded only to the measured #1 in the Medical expense insurance category, and it works as a link to this public profile. The badge stays yours permanently: if the top spot ever changes, the badge automatically updates to show the period when you were #1. Rankings and badges cannot be bought.
