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Voluntary insurances

The voluntary insurances under the Workers’ Compensation Act (TyTAL) are:

  • voluntary occupational accident and disease insurance policy for working hours; and
  • voluntary accident insurance policy for leisure time.

The voluntary insurances are subject to the same provisions as the compulsory insurances, unless otherwise provided in TyTAL.

The insurance company cannot extend the voluntary insurance coverage in its insurance terms and conditions. TyTAL has provisions on the limitations the company can impose in its insurance terms and conditions on voluntary leisure-time insurances. The insurer can:

  • limit the insurance terms and conditions of a voluntary leisure-time insurance policy to accidents that happen during recreational exercise;
  • exclude certain recreational sports from the insurance policy; and
  • limit the persons being insured.


Worker's compensation and insurance
Information service and publications
Finnish Workers' Compensation Center