Contact information

Fennia Mutual Insurance Company (Fennia) is a provider of indemnity insurance and voluntary personal insurance. Fennia Life Insurance Company Ltd (Fennia Life) is a provider of voluntary life, deposit, and pension insurance. The service languages of these companies are Finnish and Swedish.

According to the Finnish Insurance Contracts Act, the insurance provider has the duty to provide information on insurance products to individuals who apply for insurance coverage. According to a provision in the same Act, the individual applying for insurance has a duty to provide answers to questions put forth to them by the insurance provider before they may receive the insurance. Once the insurance agreement has been made, both parties also have rights and duties toward one another based on the Act and the agreement. The insurance terms and conditions and the insurance policy together make up the insurance agreement. Business interactions related to the insurance and coverage happen both in writing and verbally.

For the sake of both the insurance provider and the customer, it is imperative to ensure that matters are understood and that communication flows smoothly. If the customer is not able to communicate using the service languages of Fennia and Fennia Life, the companies provide insurance coverage and will enter into an insurance agreement only if the following requirements are met:

• The individual applying for the insurance will use an interpreter or translator when making the insurance agreement.

• Alternatively, the individual applying for the insurance may appoint to Fennia a Finnish- or Swedish-speaking, authorised representative of legal age who can receive, in a binding manner, the contents of the information regarding the disclosure requirement and answer the questions presented. However, the authorised representative cannot be used in highly personal transactions such as submitting a health declaration or a beneficiary declaration.

• The interpreter or translator must be a professional in the field of interpreting or translation (e.g. from a local translation agency).

• The individual receiving the insurance must also use a professional interpreter, a professional translator or authorised representative after the insurance agreement has been made in all interactions (excluding routine matters) and when familiarising him or herself with documents as well as in his or her own written communications.

• The customer pays for the costs incurred by using an interpreter, translator, or authorised representative.

Fennia requires the customer and their authorised representative to verify their identities through strong electronic identification on Oma Fennia or by scheduling a personal appointment at a Fennia branch office, where identities are verified using a personal identity document.