Critical illness is always a shock

An illness can also be a major financial risk, which few of us know how to prepare for in advance, at least not financially. Voluntary supplementary cover is necessary, as social security alone is not enough to compensate the loss of income due to a serious illness.

Cover for critical illness gives you financial security. If you become ill, you can concentrate on what matters: getting well. The compensation is paid as a tax-free lump sum and it does not reduce any other benefits you may be receiving. You can use the money however you want to and do exactly what matters to you and your family at that moment.

Take out cover for critical illness to guarantee yourself a more carefree tomorrow. You can take out the cover separately or included in other life and death insurance cover. You can freely choose the sum insured for your critical illness cover up to EUR 100,000.

Calculate the cost of your
insurance cover for a critical illness

Have you used tobacco products in the last 12 months?
We recommend that the sum insured is equal to at least 6 months' earnings.

Fill in your contact information

We will contact you as soon as possible. After our discussion, we will draw up an offer for you on insurance cover for serious illness.

Thank you for contacting us.

We will send you an email confirming that we have received your message. We will contact you within two days.

The cost of the insurance cover given in the example is indicative only and is calculated on the basis of the age that has been entered by you. The example is calculated under the assumption that the insured person's state of health does not necessitate an increase in the insurance premiums and that the insurance can be granted. The possible use of tobacco products will increase the insurance premium. The insurance premiums will increase during the effective insurance period as the insured ages. The insurance premiums are due 1 to 4 times a year. When applying for the insurance cover you must provide a health declaration. Our customer service department can provide you with a health declaration form.

Cost of insurance cover


In the event of a sudden, serious illness, you would receive the following lump-sum compensation at a monthly cost of EUR .



Cover all of the most critical risks

As an entrepreneur, you take care of your own social security, and your financial responsibilities are often greater than those of employees. If life as you know it comes to a halt due to a serious illness or disability, many other things may come to a halt too, like your income and your business.

You can take out insurance for a serious illness separately, but we recommend it as part of our Entrepreneur Insurance package. The insurance under our Entrepreneur Insurance provides you with financial security if you are faced with the most critical risks – especially those affecting your health.

Entrepreneurs’ social security is based on the amount of their earned income under the Self-Employed Persons’ Pensions Act (YEL), which is why it is important to keep the amount of earned income at the correct level. Mandatum Life’s Entrepreneur Insurance supplements your statutory social security. This will ensure your standard of living, as well as the livelihood of your loved ones and the continuity of your business if you fall ill, become disabled or pass away.

Insure yourself and pay it forward

By insuring yourself, you can help to secure the life of a disadvantaged child or youth in case of injury. We will donate a sum corresponding to some 1 per cent of the first-year insurance premiums of all of our new risk insurance customers in order to arrange accident insurance. This means that more than 1,000 children and adolescents will receive accident insurance each year.

Mandatum Life works together with the Tukikummit foundation. The assistance granted by the Tukikummit foundation supports Finnish children who are from disadvantaged families and in danger of being marginalised due to financial reasons.

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A simple and safe way for customers to contact us is to send us a message through our Web Service


Our Customer Service number

0200 31100
(lnc/mpc) Mon to Thu 8-18 and Fri 8-17

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