Member insurance

Turva tarjoaa kaikkein parhaimmat edut ammattiliittojen jäsenille.

Pro Membership insurance is a customized insurance for Pro members only.

Pro has insured you with the mutual insurance company Turva. The Pro members’ insurance includes travel insurance, non-occupational accident insurance and professional liability insurance. It also covers Pro events and assignments.


Travel insurance


Travel insurance covers

  • members of Pro who are currently employed, unemployed or temporarily out of duty
  • student members
  • accompanying family members younger than 20 years (the term children refers to the insured person’s own children or grandchildren, the children of the insured’s spouse and any children living in the same household as the insured)

The insurance is valid until the date when the insured turns 68. If the insured retires permanently before he or she turns 68, the insurance is valid until the date when the insured retires permanently.

Travel insurance benefits apply to Pro members who have primary residence in Finland and live primarily in Finland. This means that the member has a permanent address in Finland and that he or she stays over half of the year in Finland.

Travel insurance is valid during leisure-time travelling from Finland to abroad. Travel insurance is valid also during leisure-time travelling in Finland, when travelling farther than 50 kilometres away from home, workplace, study location, or leisure-time home. Travel insurance does not cover travelling between the aforementioned locations.

Travel insurance covers trips for the maximum period of 45 days from the beginning of the trip.

Travel insurance does not cover competitive sports or training, or sports or hobbies specifically excluded in the terms.

Travel insurance covers, with no upper limit and with no excess, injuries or acute illnesses that occur during travelling. Travel insurance also covers losses from cancellation or interruption of the trip or missed departure. It also covers additional travel costs for returning home prematurely, if the trip is interrupted by a crisis situation occurring at the travel destination.
Compensation must be applied for within one year of the date on which the expenses accrued.

In case of death, reasonable transportation expenses or funeral expenses (if the insured is buried abroad) are compensated from travel insurance.

Your Pro membership card works as your travel insurance card.
Keep it with you on your travels.

Non-occupational accident insurance


Non-occupational accident insurance covers

  • Pro members who are curretly employed, unemployed or temporarily out of duty
  • student members

The insurance is valid until the date when the insured turns 68. If the insured retires permanently before he or she turns 68, the insurance is valid until the date when the insured retires permanently.

Accident insurance benefits apply to Pro members who have primary residence in Finland and live primarily in Finland. This means that the member has a permanent address in Finland and that he or she stays over half of the year in Finland.

The insurance is valid all around the world. It is not valid in competitive sports or training, or sports or hobbies specifically excluded in the terms.

Accident insurance includes compensation for injury treatment expenses, up to 3 152 EUR per accident (deductible 59 EUR per accident). Compensation for permanent handicap is up to 31 518 EUR. Partial handicap is compensated by the degree of handicap. Compensation for accidental death is 10 715 EUR.
Compensation must be applied for within one year of the date on which the expenses accrued.


Compensation

Compensation claim forms can be obtained by

  • visiting any Turva office or service point
  • calling Turva service number 01019 5110
  • filling in and printing the online form, available through the links below (unfortunately the forms are only in Finnish)

Compensation claim form – travel insurance
Siirry lomakkeelle

Compensation claim form – accident insurance
Siirry lomakkeelle


You can also leave filled compensation claim forms and attachments to any Turva office. The forms can also be mailed to the following address (postage paid by Turva):


Turva
INFO: YTKOR
Tunnus 5017204
00006 VASTAUSLÄHETYS

If additional information is requested on your case, answer as soon as possible. This speeds up the payment of compensation.


In case of acute illness or injury during travelling, supply

  • Compensation claim form filled and signed
  • Original receipts of treatment expenses
  • Copy of travel tickets

In case of interruption of trip, supply

  • Compensation claim form filled and signed
  • Medical certificate of injury or acute illness
  • Travel tickets in accordance with the original travel plan. If the tickets have been given to the travel agent for compensation, then the trip organiser’s verification of the duration and cost of the trip is required.
  • Trip organiser’s verification on whether compensation has been paid, and the sum of the compensation, if applicable.
  • Original receipts of additional unavoidable travel and accommodation expenses
  • If the trip is interrupted, medical certificates and verification of the cost and duration of the trip is required.

In case of cancellation of trip, supply

  • Compensation claim form filled and signed
  • Medical certificate of injury or acute illness resulting in cancellation of the trip
  • Original receipts or trip organiser’s verification of the cost of the trip

When claiming treatment expenses and in case of permanent handicap or disability, supply

  • Compensation claim form filled and signed
  • Original receipts of treatment expenses
  • Medical certificate (form E)

In case of accidental death, supply

  • Compensation claim form filled and signed
  • Copy of police investigation report
  • Death certificate
  • Social security numbers and bank account details of beneficiaries

Other relevant information must be supplied as needed. Turva has the right to check the status of your Pro membership.