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Cover for critical illness

One out of five of us will fall seriously ill before the age of 65*. Although most will survive, their everyday life will come to a halt.

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Cover for critical illness

One out of five of us will fall seriously ill before the age of 65*. Although most will survive, their everyday life will come to a halt.

Contact us
EXTENSIVE COVER

The insurance covers the following illnesses and procedures: cancer, heart attack, stroke, kidney failure, multiple sclerosis, coronary bypass surgery and organ transplant or bone marrow transplant.

LUMP-SUM BENEFIT

A tax-free lump sum benefit that you will receive upon being diagnosed with or treated for a serious illness.

USE IT AS YOU WISH

The compensation can be used, for example, to pay treatment costs related to an illness or a loan, or for day-to-day expenses.

WHAT IS COVER FOR SERIOUS ILLNESS?

  • Cover for serious illness consists of a tax-free lump sum benefit that you will receive upon being diagnosed with or treated for a serious illness.

  • Illnesses and procedures that entitle the insured to the benefit can be: cancer, heart attack, stroke, kidney failure, multiple sclerosis, coronary bypass surgery and organ transplant or bone marrow transplant. Detailed information on the illnesses entitling to the benefit and on restrictions can be found in the terms and conditions.

Product description - Product description attachment - Terms and conditions - Price list

  • Cover for serious illness is not medical expenses insurance, which offers compensation of costs arising from treatment.

  • The cover for serious illness compensates illness, but is not life insurance. You can have both. Life insurance provides security for your loved ones in the worst-case scenario and cover for serious illness is usually paid to the policyholder who has fallen ill.

 

ASSESSING THE NEED FOR COVER

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.

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YOU ALSO HELP OTHERS

We make a donation to Tukikummit for every new personal risk insurance policy sold. By purchasing personal risk insurance, you can help to secure the life of a disadvantaged child or adolescent in case of injury.

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AN ILLNESS CAN BRING THINGS TO A HALT

Critical illness will strike one out of every five Finns in the most active stage of their life. At the height of their career, when their responsibilities are great. A simple and straightforward lump sum benefit will ease your worries.

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OPTIMI PERSONAL INSURANCE AS A PRODUCT

Cover for serious illness is part of Mandatum’s Optimi insurance. You can select the cover you wish from Optimi, such as cover for serious illness, disability cover or death benefit (life insurance).

The cover for serious illness will be activated 90 days after the insurance was taken out, and it will end once you have been paid the benefit or at the latest when you turn 65.

Brochure - Product description - Terms and Conditions - Price list

*One out of every five Finns will fall critically ill with cancer, a heart attack, coronary heart disease or a stroke by age 65 (sources: The Finnish Cancer Registry, the National Institute for Health and Welfare’s FINRISK calculator).

ARE YOU ALREADY A CUSTOMER?

If you are our customer, you can see your cover and policy information in the Web Service. Use the Web Service to conveniently send us secure messages and claim compensation from the insurance.

LOG IN TO THE WEB SERVICE            INSTRUCTIONS FOR CLAIMING COMPENSATION

LIFE INSURANCE

Life insurance helps your loved ones to make it through the worst financially. In the event of death, an agreed life insurance benefit is paid to the next of kin or to other designated beneficiaries as a lump sum.

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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.

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PERSONAL RISK INSURANCE FOR ENTREPRENEURS

Entrepreneur Insurance covers all the personal risks faced by people who are self-employed. Personal risk insurance provides security in case of a serious illness, disability or death.

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PERSONAL RISK INSURANCE FOR COMPANIES

With personal risk insurance, employers provide cover for their employees both at work and during leisure time. Voluntary risk insurance provides financial security also for employees’ families, which is a valuable benefit to many.

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Would you like to hear more about insurance cover for serious illness?

  1. Enter your contact details here

    In the additional information field, you can include, for example, the best time to call you. We will contact you as soon as possible.

  2. We will map out your needs

    Your insurance needs always depend on your life situation. Your need for insurance cover is highest when you have under-aged children and you or your spouse have a large mortgage. We will tailor a full package always according to your needs.

  3. We will make you an offer

    We will draw up an offer for cover for a serious illness based on your needs.

  4. Are you already our customer?

    If you are already our customer, you can send us a message easily and securely through our Web Service. Log in to the Web Service.