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Travel Insurance Finland

Finland Visa Travel Insurance

Coverage By Destination

Finland Visa Travel Insurance is required for all travelers to Finland that need a Schengen visa.

The Nordic country of Finland shares borders with Sweden, Russia and Norway. It is the most sparsely populated country in the European Nation and has many coastal islands in the Baltic Sea; the capital city, Helsinki, was built on a peninsula on the southern tip of Finland.

Finland has amazing views of the Northern Lights and is known as the home of Santa Claus or St. Nicholas. The Lapland region is the official home of St. Nicholas, but in many places in Finland they celebrate all things Christmas. There are even two amusement parks located in Rovaniemi. Santa Clause Village is outdoors and open year round so you can visit Santa and his elves, shops and even stay in an igloo hotel anytime. Santa Park is underground and includes a toy factory, a family train as well as an ice gallery.

So what would you be eating when visiting Finland? You would most certainly be eating food like cabbage rolls, pea soup, mashed potatoes, as well as Finnish squeaky cheese; this cheese is also called Juustoleipa or cheese bread and is a mild cheese that can be made from cow’s beestings, goat milk or reindeer milk. To become squeaky cheese, the milk is first curdled and then fried or baked in a pie tin and then cut into wedges. It is delicious when topped with cloudberry jam, which is used on many things in Finland including waffles, pancakes and even ice cream. Finland is also famous for their dessert pancakes. The textures and flavors are described as a combination of a pancake, French toast, a crepe and custard.

Finland is also the founder of National Sleepy Head Day; on this day family members throw whichever family member is the last to wake, into a lake or the sea. If you are one who likes to sleep in, I would suggest eating many of the wonderful dessert pancakes Finland is famous for as it may serve as a deterrent to being carried to the lake!

Finland has four distinct seasons, however it is certainly a Nordic country and therefore a colder region. The summer in Finland lasts roughly from June to August. Summer is also the season of the midnight sun in Finland, and the nights are bright! In Lapland for two months of the summer, June and July, the sun never sets. By September the temperatures are already dropping into the 40s, so if you’re not visiting during the summer, plan to bundle up!

Finland Visa Insurance

DISCLAIMER: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.

Global Business Travel Insurance for Finland

Global Business Travel insurance for Nordic corporate business travellers.

​​Our international insurance policies have been designed to meet your company’s individual needs and to satisfy your requirements for a high level of quality.

The insurance can be taken for certain groups of personnel or by countries, taking the local taxation and legislation into consideration.

Compliant, tailor-made insurance solutions

to meet the needs of your employees.​

Carefully selected clinics and hospitals

to help you to take care of the well-being of your travelling employees.​​

Worldwide service

through our international co-operation partners.​

For the safety

War risk areas

Please contact us before travelling to war risk or dangerous areas.

Kindly see the list in our travel portal if.fi/travel.

In case of claim

Report travel related claims and print out beneficiary and other forms in our travel portal if.fi/travel

Good to know when travelling

Useful links for your travel safety.

Tailor-made insurance solutions

Premium calculation can be based on travelling days or on the number of the personnel. The insurance is valid worldwide during business journeys. The policy can be extended to cover also leisure time journeys.

The insurance policies are tailor-made to meet the needs of your company’s personnel. Before departure, please check your scope of the insurance from your employer or from If.​

When is the insurance in force

When is your 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.

Which sicknesses are covered?

Which sicknesses are covered by the Global 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.

Applying compensation

Do you need to apply for compensation from Finnish Social Insurance?

You do not have to apply for compensation for medical expenses under the Sickness Insurance Act from the Finnish Social Insurance Institution before claiming for indemnity from If when you are covered by the Finnish social security system.

However, if you do 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.

If your Insurance card is not accepted

What to do if the insurance card is not accepted?

If a physician or a hospital does not accept your insurance card, pay for the expenses yourself. Then file a claim afterwards on our website.

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.

In case of serious sickness

In case of serious sickness

Contact us if you get a serious sickness.

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 first.
Tel. 1 800 694 9483 (within USA)
+1 954 370 6404 (outside USA, Fax +1 954 370 8130)

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.

International Travel

Country Information

Exercise normal precautions in Finland.

Read the Safety and Security section on the country information page.

If you decide to travel to Finland:

  • Enroll in the Smart Traveler Enrollment Program (STEP) to receive Alerts and make it easier to locate you in an emergency.
  • Follow the Department of State on Facebook and Twitter.
  • Review the Crime and Safety Report for Finland.
  • U.S. citizens who travel abroad should always have a contingency plan for emergency situations. Review the Traveler’s Checklist.

Six months recommended

Two pages per stamp

10,000 Euros (or equivalent)

10,000 Euros (or equivalent)

U.S. Embassy Helsinki

Itäinen Puistotie 14B
00140 Helsinki
Finland
Telephone: +(358) 9-616-250
Emergency After-Hours Telephone: +(358) 9-616-250 and select 0
Fax: +(358) 9-174-681
HelsinkiACS@state.gov

See the Department of State’s Fact Sheet on Finland for information on U.S.-Finland relations.

Finland is a party to the Schengen Agreement. This means that U.S. citizens may enter Finland for up to 90 days for tourist or business purposes without a visa. Your passport should be valid for at least three months beyond the period of stay. You need sufficient funds and a return airline ticket. For additional details about travel into and within Schengen countries, please see our Schengen fact sheet. Visit the Embassy of Finland website for the most current visa information.

  • Students and prospective students must apply for a residence permit if you plan to study at a Finnish educational institution for more than 90 days. More detailed information is available on the Finnish Immigration Service website.

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of Finland.

Credible information indicates terrorist groups continue plotting possible attacks in Europe. European governments are taking action to guard against terrorist attacks; however, all European countries remain potentially vulnerable to attacks from transnational terrorist organizations.

Crime: Crime remains low compared to other developed countries.

  • Violent crime is rare in Finland, but sexual assaults do occur. You should remain vigilant and aware of your surroundings at all times.
  • Non-violent crimes, such as petty theft and pick-pocketing, are prevalent in Finland. Pay attention to your personal safety and avoid leaving personal possessions unattended.
  • Theft or skimming of ATM/debit/credit card PINs at both ATMs and in stores has increased significantly. Be aware of your environment when using debit/credit cards, and guard your PIN numbers.
  • Organized crime groups operating in the former Soviet Union and eastern Europe are present in Finland. Remain vigilant with regard to your personal security and exercise caution.

See the Department of State and the FBI pages for information on scams.

Victims of Crime: Report crimes to the local police by dialing 112, and contact the U.S. Embassy at + (358) 9-616-250.

Remember that local authorities are responsible for investigating and prosecuting the crime.

  • help you find appropriate medical care
  • assist you in reporting a crime to the police
  • contact relatives or friends with your written consent
  • explain the local criminal justice process in general terms
  • provide a list of local attorneys
  • provide our information on victim’s compensation programs in the United States
  • provide information on victim’s compensation programs in Finland
  • provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution
  • help you find accommodation and arrange flights home
  • replace a stolen or lost passport

Domestic Violence: U.S. citizen victims of domestic violence may contact the Embassy for assistance.

For further information:

  • Enroll in the Smart Traveler Enrollment Program (STEP) to receive security messages and make it easier to locate you in an emergency.
  • Call us in Washington at 1-888-407-4747 toll-free in the United States and Canada or 1-202-501-4444 from other countries from 8:00 a.m. to 8:00 p.m. Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
  • See the State Department’s travel website for Worldwide Caution and Travel Advisories.
  • Follow us on Twitter and Facebook.
  • See traveling safely abroad for useful travel tips.

Criminal Penalties: You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned.

Furthermore, some laws are also prosecutable in the United States, regardless of local law. For examples, see our website on crimes against minors abroad and the Department of Justice website.

Arrest Notification: If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy immediately. See our webpage for further information.

Commercial and financial transactions in Finland are increasingly automated and online. Cash is almost always accepted (the currency is the euro), and most major credit cards are widely accepted. ATMs are very common, and many U.S.-issued bankcards are compatible with them.

Faith-Based Travelers: See our following webpages for details:

LGBTI Travelers: There are no legal restrictions on same-sex sexual relations or the organization of LGBTI events in Finland.

See our LGBTI Travel Information page and section 6 of our Human Rights Report for further details.

Travelers Who Require Accessibility Assistance: Laws mandating access to buildings for persons with disabilities are generally enforced, but many older buildings remain inaccessible. Some public transportation systems are less adapted to individuals with disabilities. You should check ahead with your hotel/destination to learn more about options to accommodate disabled traveler needs before visiting Finland.

  • Most forms of public transportation are accessible, but geographically-isolated areas can be especially problematic for travelers with disabilities.
  • Call ahead to restaurants, museums, and other facilities to find out if they are wheel-chair accessible.
  • Assistance for train travelers is available at most stations but must be requested in advance. For more information, visit the Finnish National Tourist Board’s website.

Women Travelers: See our travel tips for Women Travelers.

Medical facilities and staff are generally excellent and widely available for emergency services. English is commonly spoken by Finnish medical personnel. The public hospital system and many private hospitals honor foreign credit cards, but be prepared to pay cash if necessary.

  • Local medical centers, clinics, or first-aid stations are located at hospitals and will provide a full range of services to tourist and temporary visitors.
  • Dial 112 for emergency medical services throughout Finland.

We do not pay medical bills. Be aware that U.S. Medicare does not apply overseas.

Medical Insurance: Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance providers for overseas coverage.

We strongly recommend supplemental insurance to cover medical evacuation.

If traveling with prescription medication, check with the government of Finland to ensure the medication is legal in Finland. Always carry your prescription medication in original packaging with your doctor’s prescription.

  • You may bring a 90-day supply of most personal prescription drugs with a formal doctor’s note.
  • Prescribed narcotics are more restricted and may only be brought into Finland for your personal use for a maximum of 14 days and must be accompanied by a medical certificate stating why you need them.
  • Finnish customs regulations prohibit you from receiving medications from abroad after having arrived in Finland. Local physicians may be reluctant to prescribe equivalent quantities or dosages. For more detailed information, please visit the Finnish National Tourist Board website or contact the Embassy of Finland.

Vaccinations: Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

Road Conditions and Safety: Finland has an extensive network of highways and excellent public transportation services throughout the country. Driving in Finland is on the right side.

  • A valid U.S. driver’s license may be used while visiting Finland, but drivers must be at least 18 years of age.
  • Traffic approaching from the right has priority, even if entering a primary roadway from a secondary one; as such, stop signs are rarely used in Finland.
  • It is common practice in Finland, including in large cities, to turn off traffic lights at certain intersections in the early morning hours.
  • Some roads in Helsinki designated as two-way are narrow, making passing difficult. Road signs use standard international symbols and Finnish text.
  • Many urban streets have traffic lanes reserved for public transportation only.

Winter driving in Finland can be hazardous. Daylight hours are very short and drivers should be comfortable driving in darkness.

  • Icy road conditions are common.
  • Your vehicle must have snow tires from December through February. Engine heaters are strongly recommended.
  • When driving at night, drivers must be alert to moose wandering onto major roadways. Striking a moose can severely damage a vehicle and even fatally injure its occupants.
  • If you are in a car accident, you must have your insurance paperwork with you.

Traffic Laws: Unless otherwise noted on traffic signs, the speed limit varies from 30 to 40 km/h in urban areas, 80 km/h on open roads, and 120 km/h on expressways during summer (100 km/h in winter).

  • Vehicles must use headlights at all times.
  • Use of seatbelts is mandatory for drivers and all passengers.
  • Children under 135 cm (approximately 53 inches) in height must be seated in approved child or booster seats or use appropriate safety equipment as stated on the Finnish Police website and the Finnish Ministry of Transport and Communications fact sheets.
  • Drunk driving laws are strict.
    • Police strictly enforce all traffic laws and institute random roadside breath-analyzer tests. Drivers who register a 0.05% or higher blood-alcohol content are subject to immediate arrest. For more information, please review the Finnish Police website.

Public Transportation: Public transportation in Finland is of good quality and is the recommended method of travel.

Global Business Travel Insurance for Finland

Global Business Travel insurance for Nordic corporate business travellers.

​​Our international insurance policies have been designed to meet your company’s individual needs and to satisfy your requirements for a high level of quality.

The insurance can be taken for certain groups of personnel or by countries, taking the local taxation and legislation into consideration.

Compliant, tailor-made insurance solutions

to meet the needs of your employees.​

Carefully selected clinics and hospitals

to help you to take care of the well-being of your travelling employees.​​

Worldwide service

through our international co-operation partners.​

For the safety

War risk areas

Please contact us before travelling to war risk or dangerous areas.

Kindly see the list in our travel portal if.fi/travel.

In case of claim

Report travel related claims and print out beneficiary and other forms in our travel portal if.fi/travel

Good to know when travelling

Useful links for your travel safety.

Tailor-made insurance solutions

Premium calculation can be based on travelling days or on the number of the personnel. The insurance is valid worldwide during business journeys. The policy can be extended to cover also leisure time journeys.

The insurance policies are tailor-made to meet the needs of your company’s personnel. Before departure, please check your scope of the insurance from your employer or from If.​

When is the insurance in force

When is your 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.

Which sicknesses are covered?

Which sicknesses are covered by the Global 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.

Applying compensation

Do you need to apply for compensation from Finnish Social Insurance?

You do not have to apply for compensation for medical expenses under the Sickness Insurance Act from the Finnish Social Insurance Institution before claiming for indemnity from If when you are covered by the Finnish social security system.

However, if you do 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.

If your Insurance card is not accepted

What to do if the insurance card is not accepted?

If a physician or a hospital does not accept your insurance card, pay for the expenses yourself. Then file a claim afterwards on our website.

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.

In case of serious sickness

In case of serious sickness

Contact us if you get a serious sickness.

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 first.
Tel. 1 800 694 9483 (within USA)
+1 954 370 6404 (outside USA, Fax +1 954 370 8130)

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.

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