You can hope for good luck, but you can’t order it
Disability cover allows you to maintain your standard of living and ensures, for example, that you can pay your debts if you become disabled.
The compensation paid during the disability period provides significant security for a family where one of the providers has to stop working.
Short-term disability can be caused by an illness or injury. If you are unable to work due to a disability you will be paid a daily allowance, after the deductible period has expired, for your disability days up to an agreed maximum compensation amount. Thereafter, an allowance is paid seven days a week for a maximum of 365 days or 730 days, as specified in the insurance contract.
Permanent disability refers to a permanent disability that is caused by an illness or accident and which is recognised only after the disability has continued for at least one year without interruption.
Permanent disability insurance should cover your debts and your income for two years. Your need for insurance, however, always depends on your life situation. Insurance cover can be modified if your or your family’s life situation changes.
Calculate the monthly cost of permanent disability insurance cover that is right for you.
Fill in the information below and the amount of compensation you would like to receive, and you will see the monthly cost of the permanent disability insurance cover that is right for you. The cost of the insurance cover is calculated for private individuals.
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.
Learn more about Optimi Personal Insurance
Mandatum Life's Optimi is a flexible and individual personal insurance to supplement your statutory insurance cover and make tomorrow easier for yourself and your loved ones in case of critical illness, disability or death. Your insurance needs are always linked to your life situation – be in touch with us and let us tell you more.
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