Insurance 

Humak has insured its students against damages related to their studies. Find out more about accident insurance, work placement insurance, and travel insurance on this page.

Insurance for student safety

Humak provides the following insurance for its degree students:

  • Statutory accident insurance (40-445-185-9)
  • Internship insurance (16-690-034-7)
  • Travel insurance max. 1 month (16-696-796-3)
  • Travel insurance max. 6 months (16-696-797-1)

Pohjola Insurance’s customer service number is 0303 0303.

The Study Accidents Act provides for compensation for an accident that has caused an injury or illness and that has occurred to a person during UAS studies. The Study Accidents Act does not require the studying to lead to a profession or a degree. In this way, the law may also apply to students in Open Universities if the study includes practical teaching comparable to work in accordance with the curriculum or degree criteria. 

The insurance is valid only in study-specific and work-like circumstances. Conditions comparable to work include practical teaching comparable to work (teaching according to the curriculum or degree criteria) as well as on-the-job training, internships and demonstration examinations. 

Statutory accident insurance is also valid under the same conditions when the student is abroad for a study exchange or internship. In paid internships, the employer is responsible for the student’s insurance cover.

  If you have an accident: 

  • Report the accident immediately to your educational institution, specifically to a lecturer or the Stydy Affairs Office. You can then fill in the insurance certificate together.
  • Bring an accident report form with you when you go to a care facility. 
  • If the accident occurs during work-based learning, complete the accident report. 
  • You can also ask for advice at the Pohjola Health Advisor service. 

The treatment of the injury takes place primarily at a Pohjola Hospital, which can be billed directly for insurance. If necessary, treatment can take place elsewhere in the public or private sector. If the treatment takes place in a private sector other than Pohjola Hospital, first pay the costs yourself and later apply for compensation from Kela in accordance with the Health Insurance Act.

After receiving Kela’s compensation, in addition to Kela’s original compensation calculation provided by Kela, copies of receipts delivered to Kela and original receipts for expenses for which Kela does not compensate the school for making a claim for damages or apply for compensation directly from the insurance company. Instructions for applying for compensation and an electronic compensation application can be found on the Pohjola Claim Help page. Receipts and other supporting documents are delivered to the insurance company only upon separate request.

The accident report used as an application for compensation is filled in whenever the incapacity for work lasts for at least three consecutive days, except for the day of the accident. In the form, the place of work can also be replaced by an educational institution. The completed form is sent to the address tyotapaturmakorvaukset@op.fi. 

When the insurance certificate is delivered to a care institution, the treatment is provided free of charge. The treatment facility sends the necessary medical opinion to Pohjola Insurance during the claims processing.

More information can be found on the Pohjola Claim Help page (employee = student).

Voluntary internship insurance covers property owned, used or otherwise held by an internship company. The internship insurance covers liability, which may also cover property and personal injury caused to another or a third party. The internship insurance has a deductible of EUR 500/2000 (Finland / Abroad). 

The insurance does not cover the policyholder’s or intern’s own property. 

In paid internships, the employer is responsible for the student’s insurance cover. 

The insurance is not valid in the US or Canada.

Travel insurance is only available for study-related trips. Please ask the Study Affairs Office for an insurance card to take with you on your trip before you leave. The insurance is not valid without the card!

The insurance includes:

  • Medical expenses for travel illness or accident (no upper limit)
  • Interruption cover (e.g. personal illness or sudden illness of a family member)
  • Cancellation cover
  • Delay and standby cover
  • Assault, kidnapping, and crisis cover
  • Travel insurance (€85 000, deductible 10% / min. €150)
  • Travel insurance (€8 500, deductible 10% / min. €150)

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Last modified: October 7, 2021