Accident insurance terms
This page sets out the group accident policy's cover, its compensation amounts and its exclusions. It is worth reading before you need it, particularly the part about what the policy does not cover.
What the policy pays
| Daily allowance during incapacity for work | deductible period 0 days, for a maximum of 360 days |
| Permanent incapacity for work | one-time compensation of up to 100 000 € |
| Accidental death | 25 000 € |
| Medical expenses | with no upper limit |
The daily allowance requires that the work is performed in Finland and that you hold a Finnish Kela card.
What the policy does not cover
These two exclusions are worth reading twice, because they are where the misunderstandings come from:
- Occupational diseases are not covered by the policy.
- Työmatkat, journeys to and from work, are not covered by the policy.
In addition, the policy is secondary to any valid insurance the insured person holds themselves. If you have your own accident cover, that one comes first.
There are two policies and they come with different plans. The group accident insurance is included in Smart and Responsible. The group liability insurance is included in Responsible only. The Basic plan has neither. What they cover is explained on the accident insurance page and the liability insurance page.
Who underwrites it
LähiTapiola Mutual Insurance Company, Business ID 0211034-2, domiciled in Espoo.
Palkkaguru holds two separate policies, which is exactly why the plans can differ:
- Group accident insurance, policy number 353-4927382-J. Smart and Responsible.
- Group liability insurance, policy number 312-1062375-E. Responsible only.
Other terms
The policy has been in force from 3 October 2022 for Palkkaguru Oy’s freelancers. Its content is determined by that policy and by the light entrepreneurs’ accident insurance terms in force on 3 October 2022.
Unless the terms above or this contract provide otherwise, the General Contract Terms for Personal Insurance Contracts for Companies and Entities, in force from 1 January 2019, also apply.
The parties, LähiTapiola and Palkkaguru, may amend the terms by mutual agreement. LähiTapiola additionally has the right to make minor adjustments that do not affect the essential content of the terms.
If a version of the terms dated later than the one referred to here is issued, that later version applies.
The general insurance contract terms and the insurance certificate can be requested from Palkkaguru Oy.
How to make a claim
The insured person files the claim report with LähiTapiola, not with us. It can be made in writing, by calling LähiTapiola’s claims service, or electronically on their website.
Which documents a claim needs and in what order is set out in the post on the claims process.
Who has this cover
The group accident insurance is included in the Smart and Responsible packages. The group liability insurance is included in Responsible only. The Basic package has neither: that is precisely why it is the cheapest.
This follows the price list, and the price list governs. If you have read elsewhere that the insurance is always included in the service, that information is out of date.
The Basic plan does not have this policy. There is no separate automatic layer beneath it either, so invoicing on the cheapest plan means you have no accident cover through this service. See the accident insurance page.
If you are unsure what cover you have, ask us rather than assuming either way.
Tell us what you invoice, and we will work out which plan fits.
A free conversation, at our office or online. We go through whether light entrepreneurship makes sense in your situation, which plan works out cheapest for what you invoice, and whether you want the accident and liability cover. The conversation commits you to nothing.