Insurance benefits

Non-occupational accident and travel insurance

The Finnish Union for University Researchers and Teachers (FUURT) has taken non-occupational accident and travel insurance for its members from OP Insurance Ltd. According to the conditions of the accident insurance, the insured include all Union members under the age of 68 who reside in Finland, as prescribed in the Population Information Act (507/1993). Under the traveller’s insurance, the insured include all Union members under the age of 68 who are permanent residents in Finland and have a valid KELA (social insurance) card.  The sphere of the accident and travel insurance excludes members that are under the age of 68 and receive old age, disability or unemployment pension. Those members, however, who are under the age of 68 and receive part-time pension or rehabilitation support or are temporarily unemployed are covered by the insurance. The insurance is valid to the end of the calendar year in which the member retires. 

The accident insurance is valid during leisure or recreation. However, the insurance is valid all day for members who are not in an employment relationship (those working on grant funds) and are not carrying out any business activities for earnings. 

The traveller’s insurance is valid for leisure travel abroad from Finland. However, the insurance is valid all day for members who are not in an employment relationship (those working on grant funds) and are not carrying out any business activities for earnings. Within Finland, the insurance is valid for non-occupational travel within a 50 kilometre radius from the home, workplace, study institution or holiday home of the insured. Any family members or grandchildren under the age of 15 who are travelling with the insured are also covered by the insurance. The insurance policy does not include baggage coverage. The insurance is valid for periods of travel lasting no longer than 3 months.

Liability and legal protection insurance

The Union has contracted with OP Insurance Ltd for a profession-related liability and legal expenses insurance. The insurance compensates, up to an annually adjustable euro amount, for attorney or court expenses that result from juridical cases and disputes arising within one’s employment relationship. The insurance includes a deductible.

Organisation insurance

The Union has contracted with OP Insurance Ltd for organisation insurance. The insurance provides coverage for members in their organisational duties and functions everywhere in the world. The activities covered by the insurance include, for example, the meetings of the union bodies, the meetings of the local associations, training courses and seminars. The organisation insurance includes travel insurance, which is comprised of a traveller’s insurance, baggage insurance, as well as liability and legal protection insurances.

Other insurances

According to the co-operation agreement with OP Insurance Ltd, individual members are entitled to receive discounts on the following insurances: Extrasure (Mittaturva) coverage for home and family, and voluntary motor vehicle insurance for a car, van, mobile home or camper van in private use.

Feel free to call OP Insurance Ltd’s service number, +358 (0)303 0303 (Mon-Fri 8 am-6 pm) for more information. Information can also be found here (in Finnish): OP Insurance Ltd's insurance for FUURT.