When is my insurance in force?

Your traveller's insurance is in force during the journeys specified in the Insurance Policy. The journey begins when you leave your home or place of work and ends when you return there. The insurance is valid outside the principal employment municipally when the employer pays the expenses.

What do I do if a physician or a hospital does not accept my insurance card?

Pay for the expenses yourself and file a claim afterwards on our websites. If the case involves expensive treatment, ask the physician to send us a medical certificate, a treatment proposal and a cost estimate. Only after having received these can we give a written payment guarantee.

What do I do in case of serious sickness?

Contact us. In case of emergency, you can turn to SOS International in Copenhagen Tel. +45 38 48 89 77, Fax +45 70 10 50 56. Their consultant physician can negotiate with the hospital in the country of destination about the treatment and any special arrangements related to the return journey.

If you travel in the United States of America, Canada or South America, always contact Global Medical Management (Tel. 1 800 694 9483 (within USA), +1 954 370 6404 (outside USA, Fax +1 954 370 8130) first. They are on duty 24 hours a day and they will advise you of the nearest co-operative physician and take care of any special arrangements related to the journey home.

You will find the contact data for example in your insurance card.

Is my insurance in force if I take a holiday in connection with a business trip?

If you take a holiday in connection with a business trip, you normally need insurance of your own for this period. Check the scope of your insurance with your employer.

Which sicknesses are covered by a Business Travel Insurance?

A sickness during a journey is a sudden and unexpected sickness which has occurred during the journey and which has required immediate medical treatment during the journey. Sickness during a journey does not include a sickness which has shown symptoms before the journey.

What to do if I fall sick on my way back home or towards the end of the journey?

In this case you can consult a physician in your home country immediately after you have returned from the journey.

Will travel expenses to my place of domicile be paid if a close relative has died or has fallen seriously sick?

If the death or sickness has occurred unexpectedly, we will pay tourist class tickets to your place of domicile or that of the close relative. Attach the tickets and related purchase receipts to your claim, as well as an account of the family connection and death (for example, an extract from the population register or a copy of it) and a medical certificate in case of sickness.

What do I do if I fall sick before the journey?

If your departure is entirely prevented due to an accident or sudden sickness, and you cannot travel on a doctor's order, we will indemnify the costs which the tour operator does not refund.

Will dental care arising from toothache be indemnified?

The insurance covers necessary treatment in the necessary emergency dental treatment for a sudden toothache given during the journey. The insurance does not cover crowns or other prosthetic treatment. Subsequent care in the home country is not covered.

Does the insurance cover check-ups related to pregnancy during a business trip?

These costs are not indemnified because they are not related to the treatment of a sickness during a journey but to the surveillance of pregnancy. A business insurance does not cover health care expenses. A sudden sickness during pregnancy can be indemnified as sickness juring a journey. If the baby gets born during the journey, she or he is not covered by mother’s business travel insurance.

Do I need to apply for compensation for medical expenses under the Sickness Insurance Act from the Finnish Social Insurance Institution before claiming for indemnity from you as I am covered by the Finnish social security system?

No, you do not have to. If you apply for compensation from the Social Insurance Institution first, take copies of the receipts for us. Send them, and the account of the Social Insurance Institution of the compensation paid, to us in connection with your claim.

If you do not apply for the compensation yourself, sign a letter of authority which you will find in our claim form, or the claim for compensation and the letter of authority which you will find on the reverse side of Finnish medical invoices. In this way we can apply for the part covered by the sickness insurance for the expenses we have paid for you.