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.

We recommend that the sum insured covers your loans and two years' earnings

Fill in your contact information

We will contact you as soon as possible. After our discussion, we will draw up a permanent disability insurance offer for you.

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.

We can also help you prepare for other financial risks in your life.


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 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 that you become permanently disabled, you would receive the following lump-sum compensation at a monthly cost of EUR .



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.

Optimi Personal Insurance

Send a message

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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Use this form to make a request for contact. If you are a customer and would like to place an order, send a secure message by logging in to our Web Service or by calling our Customer Service.

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