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CLEAR PATIENT INSURANCE FOR THE PUBLIC MEDICAL CARE

WE COVER THE FINANCIAL RISK OF PATIENT INJURY

We have made the patient insurance clear and financially predictable for the public medical care. We offer patient insurance with a single, pre-calculated annual premium, without extra and surprising costs. In addition to insurance, we are a genuine partner who wants to help develop patient safety and streamline the administration of the hospital districts. The cooperation with us is transparent and efficient.

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WHY ARE WE THE BEST PARTNER FOR THE PUBLIC MEDICAL CARE PATIENT INSURANCE?

WE DO NOT STRIVE FOR PROFIT

Our purpose is not to make a profit, but our main task is to serve our customers as safely and cost-effectively as possible.

WE CARRY THE PATIENT INJURY RISKS FOR YOU

Our experienced investment experts know how to create an investment portfolio tailored to patient injury risks, with the support of which we take care of the technical provisions for patient injuries on your behalf.

A GENUINE PARTNER

We are an active partner who is quick to reach and whose expertise enables the hospital districts to develop patient safety.

WE ARE OWNED BY THE HOSPITAL DISTRICTS

We are specialised in supporting the public medical care and we offer patient insurance only for that particular sector.

WITH US THE PARTNERSHIP IS GENUINE

We are not just an insurance company that collects premiums. Not only do we carry the financial patient injury risk of the hospital districts, but we also support the hospital districts in their activities through active dialogue and by offering our expertise to the use of the hospital districts. Our team consists of professionals with long experience in the insurance industry whose expertise is quickly available to our customers in matters related to patient insurance.

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THE INSURANCE PROCESS FROM THE HOSPITAL DISTRICT’S PERSPECTIVE

1. FIXED ANNUAL PREMIUM

The hospital district pays us, as our customer, a fixed insurance premium. We always announce the amount of the annual premium well in advance before the start of the insurance period. We pay compensation in advance to the Patient Insurance Centre for payment of compensation.

2. COMPENSATION FOR PATIENT INJURY

The Patient Insurance Centre pays compensation to the injured party. We are prepared to cover the patient compensations of the public medical care in a comprehensive manner: we ensure that we set aside sufficient funds for our technical provisions from the perspective of both current and future compensations.

3. ALLOCATE RESOURCES TO YOUR CORE COMPETENCE

From the perspective of the hospital district, the handling of patient claims takes place here. We cover the patient injury risks in their entirety: our insurance does not include a deductible/excess or cut-off limits.

FREQUENTLY ASKED QUESTIONS

What is patient insurance?

Patient insurance is a statutory non-life insurance for operators engaged in the health and medical care industry in Finland. Patient insurance covers both patients and healthcare professionals by:

  • ensuring that the insurance cover is comprehensive when a patient injury has occurred. In other words, by ensuring that the Patient Insurance Centre has sufficient funds for insurance compensation.
  • covering the liability to compensate of the operators in the health and medical care industry when an injury has occurred.

I suspect that I suffered a patient injury as a result of healthcare. How should I act?

Contact the Patient Insurance Centre if you suspect a patient injury. On their website, you can check whether your case meets the conditions for patient injury and find instructions for making a notification of patient injury. Go to the Patient Injury Insurance Centre’s website

What is the difference between the Finnish Mutual Patient Insurance Company and the Patient Insurance Centre?

The Finnish Mutual Patient Insurance Company covers the patient insurance risk of the public medical care. In other words, the company takes care of, on behalf of its own customers (i.e., the hospital districts), the claims costs paid via the Patient Insurance Centre and the reservation of future indemnities.

The Finnish Mutual Patient Insurance Company is a member of the Patient Insurance Centre, as are other insurance companies that are engaged in patient insurance business in Finland.

The Patient Insurance Centre handles patient injury cases on behalf of all patient insurance companies and pays compensation to the injured party. Hospital districts and other health care providers should have compulsory patient insurance, with the help of which it is ensured that the Patient Insurance Centre has sufficient funds to pay compensations.