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Voluntary leisure-time insurance for employees

An employer who has taken out a compulsory workers’ compensation insurance for their employers can combine it with a voluntary leisure-time accident insurance. 

The coverage of the insurance extends to accidents that are not deemed compensable as occupational accidents. However, compensation will not be paid for an accident if the employee’s work on behalf of the employer and the employer’s obligation to pay remuneration have been suspended for an uninterrupted period of more than 30 days at the time of the accident. Nor will compensation be paid for an accident that happens after this time limit during sick leave, care leave, temporary lay-off or similar, even though the employment contract is still valid.

With regard to compensation for loss of earnings and the survivors’ pension, only the earnings paid by the employer who took out the policy will be considered.

The insurance company may limit the policy to accidents that happen during recreational exercise, exclude certain recreational sports from the insurance policy, or limit the persons being insured. Certain provisions of the Workers’ Compensation Act also limit the claim events compensable by the leisure-time insurance. Claim events not compensated by the leisure-time insurances include work-related pain, assault and road accidents.

The insurer can reject the application for a leisure-time insurance policy. They also have the right to terminate the policy on the grounds specified in the terms and conditions of the insurance. A self-employed person may terminate the policy in writing at any time; however, the termination will take effect at the earliest from the date the insurance company receives the notice of termination.


Worker's compensation and insurance
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Finnish Workers' Compensation Center