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The selections are made by others. Suomen Paras has not evaluated these selections, and they do not affect the Suomen Paras Score. All recognitions
On the basic metrics alone, the score was 71.0 and the rank 4. The score is now 60.9 and rank 2 (▲ 2 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
Turvan sairauskuluvakuutussivu on alan avoimimpia: omavastuuvaihtoehdot (300/500/1000 euroa) kerrotaan euroina esimerkkeineen, terveysselvitys ja rajoitusehdot selitetään, voimassaoloikä (80 v) ja suorakorvaus TaskuTurva-sovelluksella kuvataan, ja usein kysyttyä -osio on kattava. Tarkka hinta jää kuitenkin tarjouspyynnön tai verkko-oston taakse, eikä vakuutuksenantajan Y-tunnusta näytetä tuotesivulla.
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 × 87.5 % | 8.8 |
| Termination | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 71,0 | 35.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application | Issue age 0–67 years | turva.fi checked 11.10.2026 | 12.6 / 18 |
| Duration of cover | Insurance is valid until age 80 | turva.fi checked 11.10.2026 | 4.0 / 16 |
| Lowest excess | Deductible options 300, 500 and 1,000 € | turva.fi checked 11.10.2026 | 8.8 / 10 |
| Termination | The right of cancellation is not stated on the health expense insurance page, and the instructions on the cancellation page do not open without logging in or interaction. | turva.fi, sickness expense 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 % × 67,2 | 20.2 |
| Transparency | 30 % × 82,5 | 24.8 |
| Reachability | 20 % × 55,0 | 11.0 |
| AI quality score | 20 % × 75,4 | 15.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 34/100 | Technical measurement | 13.6 / 40 |
| Accessibility | 92/100 | Technical measurement | 27.6 / 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'Saat tarkan sairauskuluvakuutuksen hinnan pyytämällä tarjouksen'; verkko-osto (Osta verkosta) olemassa, mutta euromäärää tai laskuria ei sivulla | Partly | Website + AI extraction | 12.5 / 25 |
| Reimbursable treatment costs and maximum amounts clearly stated OBSERVATION'Sairausvakuutus korvaa lääkärikäyntejä, tutkimuksia ja hoitoja. Sairauden hoitokuluina korvataan Suomessa tehdyt tutkimukset ja annettu hoito' | Yes | Website + AI extraction | 15.0 / 15 |
| Deductible in euros and its selection stated OBSERVATION'300, 500 tai 1000 euroa/kalenterivuosi' + kolme esimerkkihenkilöä (Antti/Laura/Mikko); '1000 euron omavastuinen vakuutus noin puolet 300 euron hinnasta' | Yes | Website + AI extraction | 15.0 / 15 |
| Health assessment, waiting times and restrictions stated in advance OBSERVATION'myöntäminen ratkaistaan aina terveysselvityksen perusteella ... voidaan myöntää ilman rajoitusehtoja, rajoitusehdoin tai ne voidaan hylätä' | Yes | Website + AI extraction | 15.0 / 15 |
| Validity period and expiry age stated OBSERVATION'Sairauskuluvakuutus on voimassa 80-vuotiaaksi asti'; syntyvän vauvan voi vakuuttaa jo raskausaikana | Yes | Website + AI extraction | 10.0 / 10 |
| Treatment provider network and direct billing stated OBSERVATION'löydät TaskuTurva-sovelluksesta suorakorvauskortteja ... Kumppani laskuttaa tällöin suoraan Turvaa'; Pihlajalinnan Hoitajapalvelu kuuluu sairauskuluvakuutuksiin | Yes | Website + AI extraction | 10.0 / 10 |
| Insurer or Business ID shown OBSERVATION'Turva' nimetty, mutta Y-tunnusta (0211695-5) 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 | 56/100 | AI analysis | 18.5 / 33 |
| Content coverage | 86/100 | AI analysis | 28.4 / 33 |
Are you a customer of the Turva 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 +20.5 points: 60.9 → 81.4, rank 2 → 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.
