Leisure time accident insurance
Leisure time accident insurance covers members of YTK Worklife through life’s bumps and scrapes. The insurance is valid anywhere in the world.
Did you step into a hole while jogging and twist your ankle?
Do you fall off your bike and hit your head on the asphalt?
While chopping wood for your sauna stove, did the axe slip and hurt your leg?
Did you fall off a stool while peering into the back of a kitchen cupboard?
Don’t worry!
As a member of YTK Worklife you have access to a comprehensive leisure-time accident insurance
The leisure-time accident insurance for members of YTK Worklife is valid anywhere in the world. Since 2022, the leisure-time accident insurance policy has been Group Accident Insurance from LocalTapiola.
What does the leisure-time accident insurance cover?
- Accidents, defined as sudden events affecting the insured without their intent due to external factors and resulting in bodily injury to the insured. Additionally, accident insurance covers muscle or tendon strains caused by a sudden movement or exertion, provided that the primary cause was not the insured person’s illness or physical defect.
- Treatment expenses for accidents up to a maximum of 8,939 euros (per accident). From Jan 1, 2026 the deductible will be 84 euros per accident.
- A lump-sum handicap benefit of up to 55,870 euros
- Death benefit of 22,348 euros
The insurance covers YTK Worklife members who are permanently resident in Finland and have paid their membership fees. The insurance does not cover you if a traffic accident occurs, while you are in paid employment, or in competitive sports or training for competitive sports. ‘Competitive sports’ refers to competitions or matches organised by a sports federation or sports club, training as part of a coaching programme, and other types of training specific to the sport, irrespective of the level of competitive sport or the insured’s age. Leagues for amateurs and senior citizens arranged by a sports federation or sports club are not considered competitive sports. From Jan 1, 2026 the deductible will be 84 euros per accident.
Note! Medical expenses are primarily covered by statutory insurance, but disability and death compensation can be claimed if the injury occurred during leisure time.
Please note that if you travel, you should take out separate travel insurance covering trip cancellation and illnesses while travelling. Accident insurance only covers the expenses incurred due to an accident.
In the event of an accident
- Seek treatment primarily at Terveystalo or for treatment required by the injury (in urgent cases, go to the emergency room) and report the injury to LähiTapiola (see detailed instructions below: Reporting an injury and applying for compensation after treatment).
- LähiTapiola’s main partner is Terveystalo, which can bill the insurance company directly for the initial visit and any examinations and minor procedures related to the same accident that are prescribed during the same visit, such as imaging. The final reimbursement amount is assessed by LähiTapiola’s claims department. The customer is responsible for paying the initial visit’s deductible.
- If you seek treatment elsewhere than at Terveystalo, pay the bill yourself first and claim the expenses exceeding your deductible when you report the accident, or report the expenses afterwards.
- If you need a payment commitment for a more expensive examination or treatment, the medical facility will request a payment commitment from LocalTapiola for the treatment or examination you need.
Reporting an injury and claiming compensation after treatment
Go to the OMA+ service and check you have paid your membership fee. The insurance company will check whether your combined membership is valid when processing your claim. Report the injury to the insurance company:
- Make an insurance claim using LocalTapiola’s online service by proceeding to the accident report from here >>
At the beginning of the report, select “Private accident or remote work insurance”. - Enter your personal details and detailed information about the insured event in the insurance claim.
- The policy number of the leisure-time accident insurance taken out by YTK Worklife for its members is 353-4908380-K. The insurance company will check whether your combined membership is valid.
- You do not need to attach any documentation to the insurance claim. Save all documents related to the injury for one year. The insurance company will contact you if it needs any documentation related to the injury.
- You can report any expenses you have paid yourself on the expense report form. You will need the claim number and your online banking credentials or a mobile certificate to report your expenses. You will receive the claim number by text message when LocalTapiola opens your claim. Read the instructions for completing the expense form.
- The healthcare facility will charge you for your share of the costs afterwards, or if you pay the bill yourself, you can apply for reimbursement of the costs incurred afterwards. LähiTapiola will deduct the remaining share of the costs.
The insurance terms and conditions describe the content of the insurance in more detail
Further information
For claims advice or more detailed information on the contents of the insurance, please contact our claims service:
E-mail yritysten.henkilovahingot@lahitapiola.fi
Phone 09 453 3222 (Mon-Fri 9-15).
You can also submit a contact request to the call centre (Mon-Fri 9-16).
Recommended by our members
I have used the leisure time accident insurance several times, and once even for MRI scans. It feels easy and worry-free to know that my insurance is in order for all eventualities, even during my free time. An extremely good membership benefit!
Sami
