Insurance benefits

We offer a variety of insurance benefits for our members.

All members of ASIA are covered under the leisure time accident and traveller’s insurance policies provided by If P&C Insurance Company Ltd, included in the membership fee.

The insurance number is 201-2054942. Your ASIA membership card also acts as an insurance card. We advise you to store it in your wallet.

Who is insured?

  • The insurance cover is tied to the ASIA membership. If a member resigns or the membership is terminated by the trade union, the insurance cover expires with immediate effect.
  • The insurance covers those members who live in Finland permanently for more than six months of the year, have permanent residence status in Finland, and who are within the scope of the Finnish Sickness Insurance Act.
  • The valid insurance policy can be maintained through ASIA until the end of the year during which the member reaches the age of 68.

More detailed information on insurance policies is available via If’s service number +358 10 19 19 21, Monday to Friday from 8 am to 8 pm.

The ASIA membership fee includes the following insurance:

  • leisure time accident insurance (trade union insurance)
  • leisure time traveller’s insurance (trade union insurance)
  • legal expenses and liability insurance covering employment disputes

Leisure time accident insurance

The insurance coverage applies to accidents that occur during leisure time, unless covered by law. The insurance does not include a daily allowance. More details about the insurance policy are provided in the insurance terms and conditions. Unlike under the general terms and conditions, the beneficiaries of accident insurances taken out by ASIA are always the insured person’s relatives.

The sums insured under the accident insurance:

  • medical expenses arising from an accident: EUR 5,636 (100 € deductible)
  • compensation for permanent disability: EUR 43,800
  • compensation payable upon death: EUR 10,644.

Traveller’s insurance

The cover is valid for no longer than 45 days from the onset of an individual domestic or international journey during leisure time.

Children under 20 years of age travelling with a parent who is insured are covered by the parent’s insurance, but only by one insurance policy at a time.The insurance provides the children with the same cover as the member. In addition, the compensation payable upon death arising from an accident is EUR 2,000, and the compensation for permanent disability arising from an accident is EUR 10,000. The insurance cover includes an exclusion concerning sports activities, in compliance with the insurance terms and conditions. The exclusion cannot be removed.

Expenses arising from sickness during a journey are compensated up to a maximum period of 90 days from the appointment with a doctor, and medical expenses arising from an accident are compensated up to three years from the occurrence of the accident. The medical expenses covered by the insurance are listed in the terms and conditions.

If a sickness existing prior to the journey unexpectedly worsens during the journey, only medical expenses arising from treatment in the nature of first aid provided at the travel destination will be compensated for a maximum period of one week. Further details about the exclusions are provided in the insurance terms and conditions.

Traveller’s insurance also covers expenses arising from the cancellation or curtailment of a journey and from being late for a journey. The insured is entitled to compensation for an interrupted journey on the basis of being admitted to hospital for treatment of sickness during a journey, for example. The cancellation or curtailment of a journey or being late for a journey must result from a compelling reason, as listed in the insurance terms and conditions.

Insurance cover

The sums insured are:

  • bodily injuries and property damage: EUR 84,000
  • legal claims: EUR 5,000

However, in cases for which the member uses a legal adviser appointed by ASIA, the sum insured is EUR 17,000.

Insurance terms and conditions

The general terms and conditions for the liability and legal expense insurance for professionals (313 and 413) and the general terms and conditions for agreements (900.1) of If P&C Insurance Company Ltd are applied to the insurance policy. The full terms and conditions are available at every If Property and Casualty Insurance office.

This is not a complete account of the content of the liability and legal expenses insurance for professionals. We advise you to read the insurance terms and conditions listed above.


More detailed information on the scope and application of insurance cover pertaining to legal expenses insurance is provided by ASIA’s legal team and the liability department of If Property and Casualty Insurance, contact If via chat or call their customer service +358 10 19 19 19. For service in English, select 9.

Financial security through life insurance from Kaleva

ASIA members who have utilised Kaleva's life insurance benefit have saved an average of EUR 619 per year.

If you have a spouse or children, you should definitely have life insurance. If you have a loan, life insurance is even more important. Why? Life insurance pays out an agreed amount of compensation if the insured person dies.As a ASIA member, you and your spouse are entitled to take out life insurance granted by Kaleva Insurance Company at a 61,6 % discount negotiated for you.

You decide who will be the beneficiary of the life insurance. The beneficiary is the person to whom your life insurance compensation will be paid. The amount of compensation and the beneficiary can be changed if there are changes in your life situation.

What is the cost of my life insurance?

Calculate the cost of insurance for you, and take out insurance here. (page is in Finnish)

Further information on loyal customer insurance policies and the benefits for trade union customers are available (in Finnish) at, or by calling +358 10 19 19 21 (in English, local network charge/mobile phone charge), or from your nearest If office.