Wir haben ein Baby, das weniger als zwei Monate alt ist, und wir planen, dass das Baby und meine Familie Finnland besuchen und als Touristen bei mir übernachten. Aufgrund von Visabeschränkungen können meine Familie und mein Baby nur bis zu 90 Tage in Finnland bleiben. Da ihr Gesundheitszustand nicht sehr gut ist, möchte ich für sie während ihres Aufenthalts in Finnland eine Krankenversicherung abschließen.
Momentan habe ich gerade erst eine körperliche Arbeitsstelle gefunden, sodass meine finanzielle Situation begrenzt ist. Ich würde mich sehr freuen, wenn erfahrene Freunde mir Anregungen geben oder passende Versicherungsmöglichkeiten oder -lösungen empfehlen könnten. Vielen Dank!
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Von knights-of-nordic
7 Kommentare
My impression is that Finnish insurance companies won’t sell insurances for people who don’t residence in Finland. So visitors home country or some global insurance companies might be easier options.
Traveller insurance should be enough, at least Finnish insurance companies offer traveller insurance for trips up to 90 days.
Get travel insurance from your country.
Your only option really is travel insurance, but that usually only covers emergencies/accidents and still generally requires you to pay full bill and then they reimburse. Private insurance usually won’t accept preexisting conditions and is only for citizens/residents anyway. Maybe can find an insurance from their country that works „worldwide“ but those might cost a bit.
Regardless, you can still go to doctor/hospital (they won’t turn you away in an emergency), but will have to pay full price if you don’t have travelers insurance. That’s what I had to do before I became a resident. I came on a tourist visa a few times before applying for residency. Had travel insurance to cover emergencies.
Travel insurances are bought from your country of residence, not from the country you are visiting.
Some credit card companies offer full travel insurance if you pay the trip with their card. You might want to check your local ToS with credit card suppliers.
Read the small text really carefully. Some offer travel insurance that only includes your luggage and some offer the full package.
If you already have a credit card, this might be your cheapest way to insure your trip.
You need to get the insurance from the country of your residence. Finnish companies are risk aversive and do not sell insurance to foreigners they have no data about.