The bridge of passenger ferry crossing the Kvarken Strait

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Visiting the bridge of passenger ferry crossing
The Kvarken Strait, March 2016

Insurances & Premiums

The statutory accident insurance is an important part of the work-related social security in Finland. The insurance compensates accidents at work and occupational diseases.

As a rule, all persons in employment are entitled to statutory accident insurance. Certain partners of a limited liability company, a general partnership or a limited partnership, who are employees of the company or partnership, are also covered by the statutory accident insurance. Employers are required to take out insurance for their employees with an accident insurance institution of their choice.

The premiums for the statutory accident insurance are based on the accident and occupational disease risk of the insured work. 

The statutory accident insurance compensates occupational accidents and diseases and certain other types of injuries that are listed in the Workers' Compensation Act which entered into force on 1 January 2016.  Accidents, that occur during the trip to or from work, are also considered as occupational accidents. The compensations are defined in the Workers' Compensation Act and include daily allowance, rehabilitation, handicap allowance, employment accident pension and survivor´s pension.