INSURANCEs INCLUDED IN the combined MEMBERSHIP

Insurances after 1.1.2022

Professional liability insurance

Your combined membership includes insurance against liability for damages arising in your occupation, position or public office.

Legal expenses insurance

As a combined member, you have access to legal expenses insurance in the event of disputes or criminal cases related to your employment or public-service relationship.

Leisure time accident insurance

Your combined membership includes leisure-time accident insurance that is valid around the world. The new insurance terms and conditions cover treatment expenses for injuries to up to 8,000 euros.

Until 31 December 2021

Professional liability insurance until 31 December 2021
Losses that occur up until 31 December 2021 are covered by Pohjola Insurance. Read more >

Legal expenses insurance until 31 December 2021
Losses that occur up until 31 December 2021 are covered by Pohjola Insurance. Read more >

Leisure time accident insurance covers until 31 December 2021
Losses that occur up until 31 December 2021 are covered by Pohjola Insurance’s terms and conditions. Read more >

What our members say about insurance

"Legal expenses insurance brings security and underlines the message that not everything can be done at the employee’s expense."

Jesse, 31, member since 2011

“As soon as I got the feeling something was off, I decided to seek legal counsel and found it easily by contacting YTK Association.”

Lauri, 43, member since 2010

“Good communication, clear advice and simple processes.”

Katja, 29, member since 2019

“The decision came quickly. My lawyer applied for compensation from legal expenses insurance.”

Taina, 56, member since 2007

“I have made use of the association’s leisure time accident insurance several times. Once, I even had an MRI scan taken. I feel light and worry-free knowing that my insurance is in order in case something happens, even outside work. A hugely valuable additional benefit to have on hand.”

Mika, 49, member since 2010

“I’m glad I was able to get treatment so quickly. The service was great and I was paid compensation as agreed. A very helpful member benefit. Now my hand is fixed up and everything’s great.”

Anna, 48, member since 2008

“It was easy to find information and instructions on YTK’s website. After this, I simply needed to file the claim with the insurance company. The decision also arrived on time, even though the accident happened over the holidays.”

Anna, 35, member since 2013

“The claim process was very quick. The money was in my account in a matter of days even though I was unable to answer the call from the insurance company.”

Henri, 42, member since 2011

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updated 24.11.2022