Insurance benefits

The insurances cover full members of the association under the age of 68 and student members. The insurance is valid until the end of the year in which the member retires permanently, but not later than the end of the year in which the member reaches the age of 68.

The insurance also covers children under the age of 20 travelling with the insured. Children refer to the insured’s own children and grandchildren, the children of the insured spouse and children permanently living in the same household as the insured.

The insurance is valid for leisure trips from Finland abroad as well as for trips in Finland made for leisure purposes that extend at least 50 kilometres from the insured’s home, workplace or leisure home. The insurance is valid for a maximum of 45 consecutive days from the beginning of the trip.

Loimu’s mobile membership card also acts as a travel insurance card. Be sure to keep the card with you when travelling and present it when needed. Turva’s TaskuTurva mobile application also acts as a travel insurance card. If necessary, you can order a passenger insurance certificate from Turva’s website and the certificate will be emailed within 24 hours. You can also print your passenger insurance certificate from Turva’s web services (in Finnish).

STARTING FROM Jan 1st , 2026 Leisure-time traveler’s insurance is provided by Insurance company If:

Covered by the insurance are union members under the age of 68, including regular members, student members, and officials who reside permanently in Finland for more than six months per calendar year, whose permanent residence is in Finland, and who are covered by the Finnish Health Insurance Act. Additionally, grant-funded researchers are insured during short-term congress trips related to their research work.

The insurance is valid until the end of the year in which the member retires permanently, but no longer than until the end of the year in which the member turns 68.

Children and grandchildren under the age of 20 traveling on the same trip with their insured parent or grandparent are also covered, but only under one insurance policy at a time. The children have the same coverage as the member, and in addition, compensation for death caused by an accident is 2 000 euros and for complete permanent disability caused by an accident is 10 000 euros.

The insurance is valid for a maximum of 45 days from the start of each individual leisure trip, whether domestic or abroad. A leisure trip may be abroad from Finland or a domestic trip that extends at least 50 kilometers outside your daily living environment.

The insurance covers medical expenses for travel-related illness for up to 90 days from the date of seeing a doctor, and accident-related medical expenses for up to 3 years from the date of the accident, with no monetary upper limit or deductible. It also covers costs related to trip cancellation, interruption, and delays.

The coverage includes a sports limitation according to the insurance terms. This limitation cannot be removed.

The Loimu mobile membership card serves as the travel insurance card. Remember to carry the card with you during the trip and present it at the medical facility. If needed, you can also obtain an insurance certificate by calling If or visiting If’s My Pages.

Read more about the insurance at if.fi/loimu

Members of the union are insured under organisation insurance whenever participating in organisation tasks or events around the world. Contrary to the terms of the insurance, the passenger insurance does not comply with the upper age limit of 70 years.

The organisation insurance includes passenger insurance, luggage insurance, travel liability insurance and legal expenses travel insurance.

More information about the organisation insurance

STARTING FROM Jan 1st , 2026 Organizational insurance is provided by Insurance company If:

Members are covered by Organizational insurance during organizational duties and events. The insurance includes protection against personal injuries and travel baggage damage, and also a travel liability insurance and a travel legal expenses insurance.

Read more about the insurance at if.fi/loimu

The insurance covers members and student members of the union who are employed or hold a permanent position with a third party as well as scholarship researchers in matters concerning their research work. The insurance covers also entrepreneurs and self-employed persons belonging to the union who do not have employees.

In accordance with the rules of the union, members who have paid the membership fee and who have been members of the union for the previous six months are covered by the legal expenses insurance.

Using the legal expenses insurance is subject to a prior written consent of the union before hiring a representative to handle the matter.

Read more about professional liability and legal expenses insurance.

STARTING FROM Jan 1st , 2026 Professional liability insurance is provided by Insurance company If:

Covered by the insurance are union members and student members who are employed under a work or official relationship, as well as grant-funded researchers in matters related to research work. Also covered are self-employed professionals who are union members and have no employees, in matters related to their professional practice.

The professional liability insurance covers personal and property damage caused by the insured through error or negligence in their profession to the employer, colleague, or third party, for which they are legally liable.

Read more about the insurance at if.fi/loimu

Loimu’s members have the opportunity to take out life insurance with a continuous discount of 58%. Life insurance provides financial security for your family if the worst happens. You get life insurance at a substantial member discount for yourself and your spouse.

Insurance quickly and conveniently from the kalevavakuutus.fi online store. Your coverage will be effective immediately.

Members who have taken out life insurance have saved an average of EUR 465 a year on the price of life insurance.

You and your family are entitled to benefit from accident insurance issued by Kaleva. Accident insurance for children is affordable insurance for your child. It is valid for people under the age of 25 and also covers accidents in competitive sports up to the age of 18. The insurance costs on average about EUR 4 per month.

Accident insurance for adults is a flexible and affordable option when you want to choose your accident insurance according to your own life situation. You do not have to fill out a medical certificate to get the insurance, and it is immediately valid. The insurance is valid both at work and in leisure time.

As an added benefit to all new Primus policies, you will receive a free Survivors’ cover (Selviytymisturva) EUR 2,000. If the worst happens, the sum is paid to the insured’s estate or beneficiary.

Insurance policies are issued by Kaleva, the oldest life insurance company in Finland, represented by If P&C Insurance Corporation, the Finnish branch.

In the event of unemployment or layoffs, insurance company Turva is flexible in its customers’ insurance premiums. On request, the Turva grants an unemployed or laid-off union member a six-week interest-free additional payment period for insurance premiums. In order to receive a payment period, a Turva customer who has become unemployed or laid off must contact Turva’s customer service upon receipt of the invoice to receive more detailed operating instructions.

Turva serves its customers online, by phone and chat, as well as at local offices. You can check the opening hours of the offices at www.turva.fi/yhteystiedot or book an appointment with the office of your choice. You can also make an appointment for a phone or online appointment.

You can find Turva’s contact information here.

Turva offers our members a continuous 10% discount. When you insure your home in Turva and take out one or more other insurances, you get a 10% owner discount on all insurance premiums!

• • Members of the trade union get a 10% membership discount.
  • When you insure your home in Turva and take out one or more other insurances, you get a 10% owner discount on all insurance premiums. If you do not have a household insurance or only have one insurance from Turva, you will receive a 10% owner discount after being our customer for two years.

Discounts do not apply to traffic insurance or life insurance. All private individuals who have at least one continuously valid household, personal or vehicle insurance in Turva are Turva’s owner-customers.

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Protect your loved ones with a Turvassa insurance policy, only €6.77/month*

Live in the here and now – the best protection for your loved ones is your life insurance 

Life insurance does not directly benefit you personally, but rather those you love the most. Turvassa life insurance is a new life insurance policy that is also inexpensive, particularly for members of Loimu: only €6.77/month (*example of the price for 2021: a 30-year-old Loimu’s member, compensation of €100,000). Turvassa life insurance is provided by LocalTapiola Mutual Life Insurance Company.

See for yourself.

As an If customer, you benefit more – with just one insurance policy, you reach the first level of our benefits program and receive a continuous 10% discount. With two policies, you move to the second level and enjoy up to 15% off almost all insurance products.

Read more about your benefits at if.fi/loimu