Home › Medical expense insurance › LähiTapiola
On the basic metrics alone, the score was 72.6 and the rank 3. The score is now 52.9 and rank 4 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
LähiTapiolan sairauskuluvakuutus on läpinäkyvä: hintalaskuri ja hintaesimerkit ovat sivulla, omavastuu (1 000 euroa) ja korvausmäärä (200 000 euroa) kerrotaan euroina, terveysselvitys ja rajoitukset selitetään ja voimassaoloikä ilmoitetaan poikkeuksellisen tarkasti (myöntö 0-67 v, turva 80/100 v). Suoralaskutus ja Chat-lääkäri kuvataan ja käytössä on LähiTapiola-sovellus. Heikkoutena Y-tunnus puuttuu tuotesivulta ja terveyskumppaneita ei nimetä.
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 × 70.0 % | 12.6 |
| Duration of cover | 16 p × 25.0 % | 4.0 |
| Lowest excess | 10 p × 0.0 % | 0.0 |
| Termination | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 72,6 | 36.3 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application | Insurance can be granted to people aged 0–67 | lahitapiola.fi checked 11.10.2026 | 12.6 / 18 |
| Duration of cover NOTEFor accidents, cover is valid up to the age of 100. | Coverage for illnesses continues until age 80 | lahitapiola.fi checked 11.10.2026 | 4.0 / 16 |
| Lowest excess | The page only mentions a 1,000 euro deductible and states that there are several options, but they are not listed on the health expense insurance page. | lahitapiola.fi, medical expenses insurance checked 11.10.2026 | 0.0 / 10 |
| Termination | The customer's right to cancel the insurance at any time is not stated on the health insurance page or the cancellation page, which concerns only the company's own cancellation procedure. | lahitapiola.fi, medical expenses insurance checked 11.10.2026 | 0.0 / 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 % × 56,2 | 16.9 |
| Transparency | 30 % × 95,0 | 28.5 |
| Reachability | 20 % × 55,0 | 11.0 |
| AI quality score | 20 % × 81,0 | 16.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 11/100 | Technical measurement | 4.4 / 40 |
| Accessibility | 86/100 | Technical measurement | 25.8 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 73/100 | Technical measurement | 10.9 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price estimate or calculator visible without contacting the company OBSERVATION'Katso alta hintaesimerkit ja laske oma hintasi'; '*Esimerkkihinta on laskettu 30-vuotiaalle perusterveelle naiselle Turusta' | Yes | Website + AI extraction | 25.0 / 25 |
| Reimbursable treatment costs and maximum amounts clearly stated OBSERVATION'omavastuu 1 000 euroa, korvausmäärä 200 000 euroa. Sis. tapaturman hoitokulut 20 000 euroa ilman omavastuuta'; yleislääkäri sisältyy, erikoislääkäri rajoitetusti, terapiat enintään 5 kertaa | Yes | Website + AI extraction | 15.0 / 15 |
| Deductible in euros and its selection stated OBSERVATION'1000 euroa omavastuu tarkoittaa, että maksat itse hoitokuluja enintään 1000 euroa kalenterivuodessa'; 'Vakuutuksissa on tarjolla erilaisia omavastuuvaihtoehtoja' | Yes | Website + AI extraction | 15.0 / 15 |
| Health assessment, waiting times and restrictions stated in advance OBSERVATION'Sairauden hoitoturva myönnetään vain terveysselvityksen perusteella. Aiemmin sairastetut sairaudet saattavat aiheuttaa rajoituksia vakuutukseen' | Yes | Website + AI extraction | 15.0 / 15 |
| Validity period and expiry age stated OBSERVATION'Voimme myöntää sairauskuluvakuutuksen 0-67-vuotiaille'; 'Sairauksien osalta vakuutusturva jatkuu 80-vuotiaaksi asti. Tapaturmien varalta ... 100-vuotiaaksi asti' | Yes | Website + AI extraction | 10.0 / 10 |
| Treatment provider network and direct billing stated OBSERVATION'hae suoralaskutuslupaa verkkopalvelussa tai LähiTapiola-sovelluksessa. Luvan saatuasi ohjaamme sinut suoraan terveyskumppanimme palveluun' | Yes | Website + AI extraction | 10.0 / 10 |
| Insurer or Business ID shown OBSERVATION'LähiTapiola' nimetty, mutta Y-tunnusta (0211034-2) 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 | No | Website + AI extraction | 0.0 / 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 | 84/100 | AI analysis | 28.6 / 34 |
| Findability of pricing | 72/100 | AI analysis | 23.8 / 33 |
| Content coverage | 87/100 | AI analysis | 28.7 / 33 |
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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 +29.7 points: 52.9 → 82.6, rank 4 → 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.
