Disability cover

Disability cover

Disability cover allows you to maintain your standard of living and ensures, for example, that you can pay your debts if you become disabled. The benefits paid during the disability period provide significant security for a family in which one of the providers has to stop working.

Cover for disability

If you have debt or are responsible for your family’s financial matters, disability is a risk for your family’s financial well-being. For example, even at its maximum, statutory disability pension is only about half your salary.

The insurance may be granted to a person who has reached the age of 15, and it expires at the latest when the insured reaches the age of 60.

Short-term disability

Short-term disability can be caused by an illness or accident. If you are unable to work due to a disability, you will be paid a daily allowance, after the deductible period has expired, for your disability days up to an agreed maximum compensation amount.

After the maximum compensation amount, an allowance is paid seven days a week for a maximum of 365 days or 730 days, as specified in the insurance contract.

Permanent disability

Permanent disability refers to a permanent disability that is caused by an illness or accident and which is recognised only after the disability has continued for at least one year without interruption.

Permanent disability insurance should cover your debts and your income for two years. Your need for insurance, however, always depends on your life situation. Insurance cover can be modified if your or your family’s life situation changes.

We make a donation to Tukikummit for every new personal insurance policy sold

By insuring yourself you also help others. By purchasing personal risk insurance, you can help to secure the life of a disadvantaged child or adolescent in case of injury. For each new life insurance policy we sell, we will donate approximately 1 per cent of the first-year insurance premiums towards arranging accident insurance. This means that more than 1,000 children and adolescents a year will receive accident insurance.

Mandatum works together with the Tukikummit foundation. The assistance granted by Tukikummit supports the children of disadvantaged families in Finland who are in danger of being marginalised for financial reasons.

Learn more about Optimi Personal Insurance

The best thing about life is its unpredictability. Life is unique, life is fun. We can assist you in securing yourself against financial risks – to help you sleep better at night.

Your need for insurance cover is highest when you have under-aged children and you or your spouse have a large mortgage. Even a short-term loss of income or unpredictable expenses can put a family’s financial situation in jeopardy.

Mandatum’s Optimi is a flexible and individual personal risk insurance to supplement your statutory insurance cover and make tomorrow easier for you and your loved ones in case of serious illness, disability or death. Your insurance needs are always linked to your life situation – get in touch with us and we will tell you more.

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