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Finland Travel Insurance
When it comes to fun-filled European vacations, Finland is a name that resonates loudly. Officially called the Republic of Finland, this Nordic nation is a gem of a holiday destination in Northern Europe. From captivating sightings of the Northern Lights and neoclassical architecture to vibrant culture and availability of relaxing activities, the country offers it all. If all these interests you, schedule your next international trip to Finland and protect your holidays with Finland travel insurance.
Key Features of Travel Insurance Finland
Here is a list of some of the important features of Finland travel insurance;
| Key Features | Details |
| Maximum coverage | Offers coverage against various unforeseen events, like medical, travel and baggage-related emergencies. |
| Constant support | Round-the-clock assistance via 24x7 customer care support and in-house claim settlement. |
| Easy cashless claims | Offers cashless claims benefits accessible through multiple network hospitals. |
| COVID-19 coverage | Coverage for hospitalisation expenses caused by COVID-19. |
| Massive cover amount | Extensive coverage range from $40k to $1000K. |
Types of Travel Insurance Finland
The type of Finland travel insurance you choose should be based on your travel requirements. Here are the main choices that are offered;
Travel Plans for Individual
For the solo wanderers and thrillseekersThis type of international travel insurance covers solo travellers against medical, baggage and travel-related contingencies.
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Travel Plan for Families
For families travelling togetherThis type of international travel insurance offers coverage to multiple members of a family during a trip under a single policy.
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Travel Plan for Students
For individuals accomplishing their dreamsThis type of international travel insurance is designed to offer coverage to students travelling abroad for education-related purposes.
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Travel Plan for Frequent Fliers
For the ones flying frequentlyThis type of plan is designed to offer coverage to senior citizens during their international holidays.
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Travel Plan for Senior Citizens
For the ones who are forever youngThis policy will help secure multiple trips under one international travel insurance plan within a specified period.
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Benefits of Buying Travel Insurance Finland Plan
There are plenty of benefits that come along with Finland travel insurance, such as;
1
Handles medical emergencies
Dealing with unexpected medical complications in a foreign nation can be very difficult. Finland travel insurance assists you in such scenarios by offering financial cover.
2
Handles non-medical contingencies
Non-medical problems, like baggage and journey-related hassles, can cause your trip to get off track. Travel insurance for Finland doesn’t let that happen by providing coverage in such cases.
3
Helps protect trip budget
Instead of spending a ton of your own money to deal with unforeseen events, you can utilise the coverage offered by Finland travel insurance and keep your trip budget intact.
4
Offers cashless benefits
Don’t stress about paying massive bills upfront and get prompt medical care in case of an emergency via the cashless benefits under Finland travel insurance.
5
Enables peace of mind
With Finland travel insurance’s extensive cover and quick assistance, your journey will be smooth and your mind stress-free.
6
Provides 24x7 assistance
With Finland travel insurance under HDFC ERGO, you can avail of the round-the-clock in-house claim settlement and customer care support benefits.
Thinking about visiting France for your next European holiday? Secure your trip now with international travel insurance by HDFC ERGO.
What's Covered under Travel Insurance for Finland from India
Here are some of the things that are usually covered under travel insurance for Finland from India;
Medical Emergency-Related Expenses
Our policy covers the costs related to medical emergencies, so you don’t have to break your pocket during your trip.
Dental Emergency-Related Expenses
Finland travel insurance also covers the expenses related to dental emergencies that you may face.
Medical Evacuation
In case of medical emergencies that require immediate care, our policy helps by covering the expenses related to air/land medical evacuation to the nearest healthcare centre.
Hospital Daily Cash Allowance
Our policy also helps you to take care of petty hospitalisation-related expenses, so you don’t have to exceed your travel budget.
Medical And Body Repatriation
In the tragic event of death, our policy will be responsible for covering the expense of transferring one’s mortal remains to their home country.
Accidental Death
In the unfortunate event of accidental death while travelling, our policy will offer a lump-sum compensation to your family.
Permanent Disablement
To ease your burden if an unforeseen occurrence results in permanent disability, the policy will offer you a lump sum compensation.
Personal Liability
If you find yourself responsible for third-party damage in a foreign country, our policy will make it simple for you to compensate for those losses.
Financial Emergency Assistance
In case you experience a cash crunch caused by theft or robbery, our policy will help facilitate emergency fund transfers from India.
Hijack Distress Allowance
In case your flight gets hijacked, we will do our part by offering compensation for the distress it causes you while the authorities handle the situation.
Flight Delays
Our Finland travel insurance offers a reimbursement feature that will help you cover the expenses related to essential purchases arising out of a flight delay.
Hotel Accommodations
In case you need to extend your hotel stay due to a medical emergency, our policy will cover those additional expenses.
Loss Of Baggage And Personal Documents
You will be covered for the expense of replacing lost or stolen personal documents and belongings with our Finland travel insurance.
Loss Of Checked-In Baggage
Our policy will offer you compensation in case of loss of checked-in baggage. So, don’t worry about spending your Finland trip in the absence of your essentials.
Delay Of Checked-In Baggage
In case your check-in baggage gets delayed, our policy will cover the essential purchases while things get sorted.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What's Covered under Travel Insurance for Finland from India
Here are some of the things that are usually covered under travel insurance for Finland from India;
Medical Emergency-Related Expenses
Our policy covers the costs related to medical emergencies, so you don’t have to break your pocket during your trip.
Dental Emergency-Related Expenses
Finland travel insurance also covers the expenses related to dental emergencies that you may face.
Medical Evacuation
In case of medical emergencies that require immediate care, our policy helps by covering the expenses related to air/land medical evacuation to the nearest healthcare centre.
Hospital Daily Cash Allowance
Our policy also helps you to take care of petty hospitalisation-related expenses, so you don’t have to exceed your travel budget.
Medical And Body Repatriation
In the tragic event of death, our policy will be responsible for covering the expense of transferring one’s mortal remains to their home country.
Accidental Death
In the unfortunate event of accidental death while travelling, our policy will offer a lump-sum compensation to your family.
Permanent Disablement
To ease your burden if an unforeseen occurrence results in permanent disability, the policy will offer you a lump sum compensation.
Personal Liability
If you find yourself responsible for third-party damage in a foreign country, our policy will make it simple for you to compensate for those losses.
Financial Emergency Assistance
In case you experience a cash crunch caused by theft or robbery, our policy will help facilitate emergency fund transfers from India.
Hijack Distress Allowance
In case your flight gets hijacked, we will do our part by offering compensation for the distress it causes you while the authorities handle the situation.
Flight Delays
Our Finland travel insurance offers a reimbursement feature that will help you cover the expenses related to essential purchases arising out of a flight delay.
Hotel Accommodations
In case you need to extend your hotel stay due to a medical emergency, our policy will cover those additional expenses.
Loss Of Baggage And Personal Documents
You will be covered for the expense of replacing lost or stolen personal documents and belongings with our Finland travel insurance.
Loss Of Checked-In Baggage
Our policy will offer you compensation in case of loss of checked-in baggage. So, don’t worry about spending your Finland trip in the absence of your essentials.
Delay Of Checked-In Baggage
In case your check-in baggage gets delayed, our policy will cover the essential purchases while things get sorted.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
What's Not Covered Under Travel Insurance for Finland from India
Your travel insurance for Finland from India policy may not offer coverage for;
Breach of Law
Health complications that are caused due to war, terrorism or breach of law are not covered under the travel insurance plan.
Consumption of Intoxicants
If you use intoxicants or banned substances, the Finland travel health insurance plan will not offer any coverage.
Pre existing diseases
If you have a medical condition prior to the trip or receive treatment for a pre-existing disease, the plan will not cover those expenses.
War Or Terrorism
Injuries or health complications suffered due to terrorism or war.
Self Inflicted Injury
Injuries as a result of intentional harm or suicide attempts are not covered under international travel insurance.
Adventure Sports
The policy will not cover injuries and hospital expenses that are caused as a result of participating in hazardous activities and adventure sports.
Obesity And Cosmetic Treatment
During the foreign country trip, if you or a family member choose to receive cosmetic or obesity treatment, those associated expenses will not be covered under the plan.
How to Buy Travel Insurance Policy for Finland Online?
If you want to buy travel insurance online for Finland, the following are the steps that you need to follow:
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveller details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travellers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Don’t let medical emergencies abroad drain a hole in your travel budget. Keep yourself financially covered against emergency medical and dental expenses with travel insurance.
Interesting Facts About Finland
| Categories | Specification |
| Population | Finland, alongside some other Nordic nations like Norway and Denmark, has a population ranging between 5.5 to 6 million inhabitants. |
| Population | Half of this nation’s foreign population resides in the capital city of Helsinki. |
| Language | The local language, Finnish, is far different than any Scandinavian language. Instead, it is closer in relation to Hungarian. |
| Beverage | The people of Finland are at the top when it comes to being the world’s biggest coffee drinkers. |
| Language | Finland has two main official languages, Finnish and Swedish. |
| Lakes | There is a total of 187,888 lakes in the country, justifying its nickname as the “Land of Thousand Lakes”. |
| Nature | Nearly 74% of Finland is covered in forest, which is larger than any European nation. |
Documents Required for the Finland Tourist Visa
Finland is under the Schengen Agreement, so in order to get its visa, you will be required to produce the following documents;
• Properly filled and signed Finland visa application form,
• Valid passport,
• Recent passport-sized photographs,
• Valid travel insurance for Finland visa,
• Parental consent for minors,
• Travel itinerary,
• Proof of employment,
• Proof of accommodation,
• Roundtrip flight reservations, and
• Proof of sufficient means of subsistence.
Best Time To Visit Finland
For your Finland trip, you can consider visiting between the months of June and August. Summer season prevails in the nation during this period, with an average temperature of 20°C overall and 15°C in the North. With long summer days, sightseeing, fun adventures and other tourist activities become easily accessible. Exploring the national parks, visiting the museums and other tourist attractions, attending music festivals, etc., are some key things you can do in Finland during summer. If you seek a low tourist crowd, stick to the shoulder seasons, i.e., between April and May or September and November. It is best to avoid visiting Finland between December and March due to the harsh winter weather and shorter days. No matter when you are visiting, you will need to have travel insurance for Finland visa.
All Year-Round Essentials for Finland
• Universal travel mobile charger adapter and power bank,
• Flashlight,
• Toiletries, first-aid kit and prescribed medication,
• Sunscreen,
• Sunglasses,
• Multi-compartment backpack,
• Reusable bottle,
• Warm clothes, socks, mittens and a beanie.
Finland Safety And Precautionary Measures To Be Undertaken
When visiting any new or another country, it is essential to take safety and precautionary measures to enjoy travel. Here are some measures to be taken when in Finland:
• Research your route and places to visit in your itinerary in advance
• Stay on major highways, avoid shortcuts through townships, and avoid reliance on GPS navigation apps solely
• Avoid walking alone, especially after dark.
• Avoid visiting informal settlement areas unless you are with someone familiar with the area.
• Do not display cash or valuables.
• Drive with doors locked and windows closed.
• Always carry a copy of your Indian passport and visa.
• Keep original documents in a secure location.
• Invest in the best travel insurance for Finland
List of International Airports in Finland
| City | Airport Name |
| Vantaa | Helsinki-Vantaa Airport |
Let travel insurance handle the additional expenses caused by extended hotel stays due to medical emergencies. Click here to learn more!
Popular Destinations in Finland
Experience Finland tourism as it is meant to be. Add the following destinations to your holiday itinerary;
1
Helsinki
Finland’s capital city, Helsinki, is one of the most sought-after tourist destinations in the country. Located on the shore of the Gulf of Finland, the city is known for its exemplary architecture, beautiful gardens, and delicious cuisine. Some of its key attractions are the Senate Square, Helsinki Cathedral and the National Museum. The city also offers tons of fun outdoor activities, like hiking, boating, fishing, etc.
2
Vaasa
Located on the Western Coast, the city of Vaasa is an amazing place you can check out. Founded during the reign of Charles IX of Sweden in 1606, the essence of its rich historical heritage is evident through the city’s every nook and cranny. Vaasa’s main points of tourist interest are the Meteoria Soderfjarden, Kvarken World Heritage Archipelago, Bergo Local Museum, etc.
3
Oulu
Located in Northern Finland, Oulu is a major hub of education and technology in the country. It is a city where tourists can witness and explore nature, culture and modernity, all in one place. The main sites of tourist interest in Oulu are the Oulu Cathedral, Oulu University Botanical Garden, Oulu Market Hall, etc. Experience the best of Finland on your trip without any hurdles. Invest in a Finland travel insurance plan.
4
Rovaniemi
When you think of visiting Finland, Rovaniemi is probably the first destination you imagine. It is the regional capital of Lapland, located near the Arctic Circle. The thing that makes this city world-renowned is the fact it is Santa Claus’ official hometown. Tourists visiting Rovaniemi get to experience the Santa Claus Village, enjoy a vibrant nightlife, explore the Arctic Zoo, go for fun snow adventures, witness the divine Aurora Borealis, etc.
Things To Do In Finland
Here are some fun things you can consider doing on your Finland visit;
• Witness the magical Northern Lights while gazing at the night sky.
• Go for casual strolls of the beautiful old wooden Finnish towns.
• Experience a sauna session at one of Finland’s public saunas.
• Go on a hiking trip to one of Finland’s national parks.
• Check out the Santa Claus Village and meet with the real Santa.
• Spend a night in a glass igloo in Northern Finland.
• Try skiing, snowshoeing, sledging, and other snow adventures in Finland.
Money Saving Tips
Here are some useful tips you can follow to save money on your Finland trip;
• Visit Finland during the shoulder season to get good deals on accommodations and transfers.
• Opt for budget airlines to Finland and book flights months in advance to get the best price.
• Consider staying in a hostel instead of a hotel if you want to save money on accommodations.
• Go for public transport, like the local bus, which is cheap and reliable.
• For city tours, invest in a travel card. For example, a Helsinki Card, which stays valid for either 24, 48 or 72 hours, gives you access to public transport, restaurants, shops and major tourist attractions for cheap.
• Get Finland travel insurance to avoid draining a hole in your budget when dealing with unanticipated medical and non-medical troubles on the trip.
List of Well-Known Indian Restaurants in Finland
Here are some popular Indian restaurants across Finland that you can check out during your visit;
Bombay Brasserie
Address: Taj Cape Town, 1 Wale St, Cape Town City Centre, Cape Town, 8000, Finland
Popular Dishes: Baingan bharta, kofta curry, lamb biryani, seared prawn, Malva pudding, and gulab jamun.
Thali
Address: 3 Park Rd, Gardens, Cape Town, 8001, Finland
Popular Dishes: Include masala chicken curry, Mustard cauliflower, Masala duck taco, Lamb galouti kebabs, and Sweetcorn kale bhaji.
Taste of India
Address: CNR 9th Avenue & Rivonia Boulevard, Johannesburg 2191 Finland
Popular Dishes: Chicken Biriyani, Naan, and Chicken Vindaloo.
The Royal India
Address: The Forum (opposite Sandton Convention), 2 Maude Street, Sandton Central, 2196
Popular Dishes: Butter Chicken, Vegetable Pulav, Peswari Naan, and Faluda.
Local Law And Etiquette In Finland
Here are some local laws and etiquette in Finland that tourists should be aware of before visiting;
• If you want to camp in Finland, you should know about the Finnish Everyman’s Rights. It is a law that allows anyone visiting or living in Finland to roam the countryside and enjoy recreational use of natural areas as long as they respect the rules and boundaries.
• The legal drinking age in Finland is 18.
• As per the local law, winter tyres are to be used in cars during adverse conditions between 1st November and 31st March.
• The locals love their peaceful environment and value personal spaces. So, refrain from being loud in public and avoid unruly behaviour around people.
• Public saunas are a part of Finnish culture and traditions. Note that taking a sauna without clothes is standard and there are separate timings for men and women.
Indian Embassies in Finland
The details of the Indian embassy in Finland are as follows;
| Finland-based Indian Embassy | Working Hours | Address |
| Embassy of India | 0090 hrs to 1200 hrs and 1400 hrs and 1600 hrs | 32 Kulosaarentie, 00570, Helsinki |
International Travel Insurance for Most Visited Countries
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
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Frequently Asked Questions
1. Is having travel insurance for Finland visa mandatory?
Yes. Being a part of the Schengen Agreement, it is mandatory to have valid travel insurance for Finland visa.
2. What are the merits of having Finland travel insurance?
Apart from being mandatory, having travel insurance for Finland comes with tons of merits. It offers a wide range of coverage for various medical and non-medical events on a budget along with facilities like cashless claims, 24x7 customer support, etc.
3. What unforeseen medical events does Finland travel insurance cover?
The medical-related coverage under Finland travel insurance includes things like unforeseen medical and dental emergencies, medical evacuation, daily hospital cash allowance, accidental death cover, medical and body repatriation, etc.
4. Does Finland travel insurance cover adventure sports?
Whether injuries and hospital expenses related to adventure sports are covered in travel insurance depends on the insurer. Finland travel insurance by HDFC ERGO doesn’t entertain claims related to adventure sports.
5. What is the minimum coverage required for Finland travel insurance?
For valid travel insurance for Finland visa, you will need a plan that comes with a minimum coverage amount of 30,000 euros.
6. How to buy travel insurance for Finland online?
You can buy Finland travel insurance through your preferred insurer’s online or offline services. HDFC ERGO offers Finland travel insurance at affordable prices on its official website.
7. When should I buy travel insurance for Finland?
You should buy Finland travel insurance a few weeks before setting out for the trip, preferably after confirming your tour and finalising all the hotels and flight reservations.
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