Our membership includes IF insurance package that is a part of your membership until the end of the year when you turn 69. The insurance package covers leisure travel insurance, leisure accident insurance, professional liability insurance, and organizational insurance for duties within the organization or when participating in the organization’s events.
Handling your insurance and claims with If is really easy! Omat sivut is your personal online service, available 24/7.
Leisure travel insurance
When travelling, things don’t always go as planned — and that’s when If’s travel insurance is there to help you. Whether it’s a sudden illness, an accident, or an interruption to your trip, the insurance helps you manage unexpected situations.
The insurance is valid for up to 45 days from the start of each individual leisure trip, whether in Finland or abroad. A leisure trip may be a trip abroad from Finland or a domestic trip that takes you at least 50 kilometres away from your daily living environment.
Travel protection (matkustajaturva) covers medical expenses arising from a travel illness for up to 90 days from the date you first seek medical care, and medical expenses from an accident for up to 3 years from the date of the accident—without any monetary upper limit or deductible. Travel protection also covers costs related to trip cancellations, interruptions, and delays.
Children and grandchildren under the age of 20 travelling together with their insured parent or grandparent are also covered, but only under one insurance policy at a time.
Please note that travel insurance does not include luggage insurance.
Leisure accident insurance
The leisure-time accident insurance covers medical expenses resulting from an accident during your leisure time, up to 5,000 euros. The deductible for the insurance is 100 euros. Compensation for permanent disability caused by an accident is up to 17,310 euros per accident.
Please keep in mind that the insurance does not cover all types of sports activities. Check the terms available on If’s website to see whether your sport is included in the coverage.
Insurance discounts
As a member, you are also entitled to discounts from other insurances at If, Turva and Kaleva insurances.
If insurance discounts
As our member, you receive a unique benefit from If: when you leave your contact details on If’s website, they offer the first two months free of charge for new home insurance and serious illness cover! If you prefer, you can use the benefit for only one of the two insurances.
Home insurance
If’s home insurance protects your household belongings, buildings, and travel luggage, and covers liability issues in case of disputes. Comprehensive home insurance policies also provide protection against pests and water damage for detached house owners.
Serious illness cover
If’s serious illness cover includes the ten most common illnesses or injuries affecting people of working age. You can use the tax-free compensation for whatever you choose — treatment, everyday expenses, or even a holiday. The insurance is affordable: for example, a 35-year-old would pay around 17 euros per month for a 50,000 euro compensation amount.
Turva insurance discounts
As our member, you receive a 10% membership discount on Turva’s voluntary continuous home, personal, and vehicle insurance policies.
If you have a Turva home insurance policy plus at least one of the above-mentioned voluntary Turva insurances, you also receive an additional 10% owner discount. If you only have one insurance, you will receive the owner discount after two years of being a customer. These discounts do not apply to statutory motor liability insurance or life insurance.
In addition, Turva offers insurance products tailored for trade union members, such as the comprehensive Liittokasko, which includes an excellent bonus benefit.
Protect your loved ones with Turvassa life insurance
Life insurance does not directly benefit you, but rather those you care about most. Turvassa life insurance is an affordable life insurance option designed especially for MMA members, issued by LähiTapiola Mutual Life Insurance Company.
Read more about Turva insurances »
Kaleva insurance discounts
As a member, you can purchase Kaleva* insurances such as life insurance and accident insurance package for children at a permanently affordable member price. You can get life insurance either just for yourself or as an even more affordable couple insurance for yourself and your spouse.
Read more about Kaleva insurances ››
*) The insurances are issued by our partner Keskinäinen Vakuutusyhtiö Kaleva, whose customer and
compensation services are handled by If Vahinkovakuutus Oyj.