Best Travel Insurance for Finland from India Online 2025
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Introduction

Travel Insurance for Finland

Imagine planning your dream trip to Finland to explore the stunning Northern Lights, sipping hot cocoa in a cosy cabin, or skiing down pristine slopes. But amid the excitement of a new adventure, there is also a little concern at the back of your mind. What if something goes wrong? That is where travel insurance for Finland steps in.

Key Features of Finland Travel Insurance

Age-independent coverage

Don't let age or medical conditions hold you back. With TripSecure+, travellers aged 0 to 80 get coverage that includes all aspects of your health, ensuring your journey is safe and worry-free.

Cashless Facility

Caught in a medical emergency abroad? No need to worry about payments! Partner hospitals in Italy offer cashless treatment, so you can get care without the financial burden.

Quick Claims

Your smartphone is all you need in times of need. Open the ILTakeCare app and begin your claim request without hassle.

Cruise Coverage

Booked a cruise or ferry from Finland to reach other Nordic nations? But what if it is cancelled at the last minute, or a medical emergency onboard requires financial assistance? Don't worry; we are here to help you.

Customised Coverage

Not all trips are the same, so why should your insurance be? With our tailored plans, you can select the coverage that fits your trip, paying only for the protection you need.

Types of Travel Insurance for Finland

Single-trip travel insurance

Single-trip travel Insurance

Ready for a well-deserved break in Finland? Don’t let uncertainties ruin your adventure. Our single-trip insurance offers comprehensive coverage for over 50 unexpected situations you could face during your travels, including trip cancellations and baggage loss. Whether it is the day you book your flight or your return to India, you will be covered.

Multi-trip travel insurance

Multi-trip travel insurance

If Finland calls you often, our multi-trip insurance is the perfect solution. Whether you are visiting for work or pleasure, enjoy the convenience of ongoing coverage without needing to purchase insurance for every trip.

Benefits of Buying Travel Insurance Finland

  • 1Medical Benefit

    A sudden illness or accident while travelling can be costly. Travel insurance helps you avoid financial burdens by covering hospitalisation, evacuation, and dental treatment, ensuring your trip remains smooth and worry-free.

  • 2Car Rental Benefit

    Travelling across Finland? Rest easy with our rental car coverage. If anything happens to your vehicle, we will cover all repair or replacement costs, letting you enjoy your trip with confidence.

  • 3 Luggage Benefits

    Don’t let lost luggage derail your vacation. Our travel insurance covers expenses for necessary items, ensuring you can carry on with your trip worry-free.

What's Covered under Travel Insurance for Finland from India

  • Inclusions
  • Exclusions

  • Baggage Cover

    Arriving in Finland should be thrilling, not stressful. Lost, delayed, or damaged luggage can ruin your trip, but our coverage ensures you are financially secure against such unexpected hiccups and can easily handle the cost associated with necessities until you recover your belongings.

  • Trip Cancellation

    Life’s twists are unpredictable — like cancelling your Finland trip due to sudden illness or hospitalisation of your loved one. We are here to cover your non-refundable costs so you can navigate these challenges stress-free.

  • Hotel Extension

    Emergencies like flight cancellations or political unrest happen. We have your back by covering lodging expenses for extended stays, provided the same room type is maintained.

  • Trip Interruption

    Emergencies can strike anywhere — if an injury or other unfortunate incident cuts your Finland adventure short, we will reimburse your unutilised bookings and arrange your return to India.

  • We do not offer coverage if you sustain an injury while committing a criminal offence in Finland.

  • Any loss or injury that has arisen due to incidents related to armed conflict, civil war, or radiation is ineligible for claims.

  • Your claims under our travel medical insurance are ineligible if they are related to mental illness, sexually transmitted infections, anxiety, or stress.

  • Coverage does not apply to self-harm or drug-related injuries.

  • Claims for elective or cosmetic interventions are inadmissible.

  • We do not process any claims if you overstay 90 days in Finland on an immigrant visa.

  • Claims for covered situations are processed only if the amount exceeds the deductibles mentioned in your policy document.

  • If the sole purpose of your trip to Finland is to obtain medical treatment, insurance coverage does not apply.

  • Trip cancellations due to predictable or avoidable reasons are not claimable.

Policy documents:

How to Buy The Best Travel Insurance for Finland Online?

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What is Travel Health Insurance

What is Travel Health Insurance for Finland?

Finland has a completely different climate compared to India, with temperatures frequently falling below zero degrees Celsius. The local food is also quite different from what you might find in India. With such differences, there is a high chance of falling ill, which is where travel medical insurance becomes essential.

The policy covers medical consultations, hospitalisation, and pharmacy expenses. It also includes coverage for expenses related to accidental bodily injuries or dental injuries. If you are staying in a remote location in Finland with no nearby healthcare facilities and a medical emergency arises, you only need to call us. We will immediately arrange for your evacuation and cover the associated charges.

If your health condition worsens and you need a family member by your side in Finland, we will arrange flight tickets and accommodation for one of your direct relatives under the compassionate visit clause. In the unfortunate event of demise, we will also arrange to repatriate the mortal remains of the policyholder.

It is important to note that even if your pre-existing medical condition worsens due to the trip to Finland, our TripSecure+ plan will also cover such situations.

Interesting Facts About Finland

  • According to the UN's annual World Happiness Report, Finland tops the list, with surveys suggesting that locals are highly satisfied with the healthcare and education infrastructure, as well as social security.

  • You might be surprised to know that more than half of Finland's foreign population resides in Helsinki.

  • On average, one Finn consumes 12 kg of coffee per year, the highest consumption rate in the world.

  • More than 70% of Finland’s land is classified as a forest area.

  • The concept of text messaging, or "text talk," was first introduced by Finland in 1984 when the first text was sent using a computer. Eight years later, Nokia incorporated this feature into their phones.

  • Compared to other countries in the European Union, Finland is the least densely populated, with only 18 persons per square kilometre.

  • One of the most fascinating facts about Finland is that it has over 1,68,000 lakes. Among them, Saimaa is the largest.

  • Finland is known for hosting various unusual sports. These include wife carrying, swamp soccer, and rubber boot throwing.

  • Between 1809 and 1917, Finland was part of the Russian Empire.

  • In Finland, traffic fines are determined based on your income. You might be surprised that if Finnish millionaires break the rules, their fines can exceed 100,000 Euros.

Visa Procedure for Finland

  • 1 Determine the type of visa you wish to apply for. If you are visiting Finland for travel, opt for a tourist visa.
  • 2 Complete the visa application form by downloading it from finlandvisa.fi. Keep all the required documents ready.
  • 3 Book an appointment at the Finnish mission (consulate or embassy) or a nearby Visa Application Centre. Submit your application and provide biometric data through fingerprints or a photograph.
  • 4 Attend an interview if required to provide additional details.
  • 5 Wait for processing, which may take up to 15 calendar days. Once the visa is processed, you will need to visit the Visa Application Centre to collect your visa and Passport.

Documents Required For The Finland Tourist Visa

1

Duly filled Schengen visa application form with your signature on it

2

A Passport with at least 90 days of validity remaining beyond the date you intend to depart from Finland; the Passport must also have at least two blank pages for stamping.

3

Two passport-sized photographs with a white background; ensure the photos are no older than six months

4

A cover letter outlining the purpose of your travel to Finland

5

Two-way confirmed flight tickets

6

You must show proof of travel medical insurance showing a minimum coverage of €30,000. The insurance must be valid for the entire duration of your stay in the Schengen area.

7

Proof of hotel reservations or, if you plan to stay with relatives or friends, an invitation letter from them detailing your stay duration and the address of the accommodation

8

Bank account statements for the previous three months, along with income tax return documents, showing you have sufficient funds to cover your necessities in Finland

9

Employment documents such as salary slips or, if you are a business owner, current account statements and a business licence

10

You must show proof of civil status, such as a marriage certificate. If you are travelling with children, include their birth certificates.

11

Any other documents that the Finnish Embassy or Consulate may request

Best Time To Visit Finland

Summer

Summer in Finland runs from June to August. This season is perfect if you hate chilling weather and enjoy long days. The temperature at this time ranges from 15°C to 25°C, making it ideal for boating, hiking, and exploring the Finnish lakes and forests. The phenomenon of the Midnight Sun, which means no nights for several weeks, is another unique experience in the northern parts of this country.

Winter

Winter in Finland goes from November to March. It is the perfect time to enjoy winter sports and see the Northern Lights. While the temperatures can be biting, often dropping below freezing, the stunning snowy landscapes and winter activities like skiing and dog sledging more than make up for it.

Finland Safety And Precautionary Measures To Be Undertaken

  • Ice-covered roads and walkways are common in Finland. Always wear non-slip shoes or add traction cleats to prevent falls and potential injuries during icy conditions.

  • In winter, daylight can last only a few hours. Plan your activities accordingly, carry a flashlight, and avoid venturing into unfamiliar areas after dark for your safety.

  • While exploring Finnish forests, avoid feeding or approaching wild animals such as elk or bears. Maintain a safe distance to avoid unwanted encounters or risks of aggression.

  • Public transport in Finland is safe and efficient. However, always check the schedule in advance, especially in remote areas, as buses and trains may run less frequently.

  • Ensure the ice is thick enough if you plan to walk, fish, or skate on frozen lakes. Look for local warnings and avoid going onto weak or partially thawed ice.

  • Wear helmets and follow local rules if skiing, snowboarding, or snowmobiling. Always warm up beforehand to avoid muscle strain and stay within designated areas to prevent accidents.

List of International Airports in Finland

International Airports Address
Helsinki Airport (HEL) Lentoasemantie 1, 01530 Vantaa
Oulu Airport (OUL) Lentokentäntie 720, 90410 Oulu
Rovaniemi Airport (RVN) Lentokentäntie, 96930 Rovaniemi
Turku Airport (TKU) Lentoasemantie 150, 20360 Turku
Tampere-Pirkkala Airport (TMP) Tornikaari 50, 33960 Pirkkala
Vaasa Airport (VAA) Lentokentäntie 174, 65380 Vaasa

Popular Destinations in Finland

  • Helsinki

    Helsinki is not only the capital city, but it is also known for its Helsinki Cathedral, Temppeliaukio Church, and the historic Suomenlinna Sea Fortress, a UNESCO World Heritage site. To explore Finnish culture, visit the Ateneum Art Museum and the Design District. Nature lovers can head to Esplanade Park, while food enthusiasts can explore the Old Market Hall.

  • Rovaniemi

    Rovaniemi, the capital of Lapland, is a perfect place for a unique Arctic experience. The place is famous as the official hometown of Santa Claus. The Northern Lights will take your breath if you are here in winter. The Ounasvaara Hill is the perfect destination if you love hiking or skiing. Don’t miss the Ranua Wildlife Park, home to Arctic animals like polar bears.

  • Turku

    When in Finland's oldest city, explore the medieval Turku Castle and stroll along the Aura River. The Turku Art Museum and the market square are perfect for art enthusiasts. Don’t miss the serene archipelago, perfect for a day trip, with over 20,000 islands to discover.

  • Tampere

    Tampere, located in southern Finland, gives travellers a perfect picturesque lakeside setting. When here, visit the Tampere Art Museum for a dose of culture or explore the Vapriikki Museum. Don’t miss the iconic Tammerkoski rapids, which run through the city centre, or the historic Finlayson area. For a relaxing experience, the Pyynikki Park and Observation Tower are perfect.

  • Oulu

    Oulu offers various places to explore. Visit the Oulu Market Hall for local delicacies, or walk along the Oulujoki River with your partner. The beautiful Nallikari Beach is perfect for a summer getaway, while the Oulu Cathedral showcases stunning architecture. For nature lovers, the nearby Hupisaaret Park is ideal.

  • Vaasa

    When in Vaasa, explore the beautiful Kvarken Archipelago, a UNESCO World Heritage Site. This area is ideal for hiking, kayaking, and enjoying the views. Don’t miss the Wasa Museum, which showcases the region’s maritime history. Wander through the wooden houses and Old Town to learn about the local culture. If you are travelling with kids, Wasalandia Amusement Park is the perfect spot.

  • Savonlinna

    Savonlinna is famous for Olavinlinna Castle, located on a rocky island. You can also explore Saimaa Lake or experience the annually organised Savonlinna Opera Festival if you plan to visit during the summer.

  • Porvoo

    An hour's drive from Helsinki, Porvoo offers a glimpse into Finland’s rich history. Its cobblestone streets, colourful wooden houses, and the Porvoo Cathedral are must-see attractions. A visit to the local markets and the Brunberg Chocolate Factory adds a sweet touch to your trip.

  • Kuopio

    Kuopio offers a mix of natural beauty and cultural attractions. The Puijo Tower is perfect for viewing the lakes and forests. Visit the Kuopio Art Museum or the Riihisaari Museum for a relaxing day. The nearby Kallavesi Lake is ideal for boat tours, and in winter, the area is ideal for skiing and ice fishing.

  • Jyväskylä

    When in Jyväskylä, explore the Alvar Aalto Museum, dedicated to the famous Finnish architect, enjoy a peaceful walk around the Jyväsjärvi Lake, or hike to Harju Hill. For a taste of local history, visit the Jyväskylä Art Museum.

  • Lahti

    Lahti is a perfect destination for hiking, cycling, and water sports. The Lahti Ski Museum and the Lahti Ski Jump Tower are must-see attractions for those interested in winter sports. If you are a fan of art, the Lahti Art Museum is the place to go. For a peaceful escape, visit the Päijänne National Park or relax by Lake Vesijärvi.

  • Lappeenranta

    Lappeenranta is located by the beautiful Lake Saimaa. You can explore the Lappeenranta Fortress, which dates back to the 18th century. If you want to spend some time in a peaceful setup, visit the Saimaa Canal or the Lappeenranta Harbour.

  • Espoo

    Just outside Helsinki, Espoo offers scenic lakes, lush forests, and a peaceful atmosphere. You must visit Nuuksio National Park for hiking and wildlife spotting. To explore contemporary Finnish art, visit the Espoo Museum of Modern Art (EMMA). Drive to the Iso Omena shopping centre to explore shops, eateries, and entertainment options.

  • Vantaa

    You can call Vantaa a hidden gem. It has beautiful parks like Kuusijärvi and Heureka Science Center and a stunning Finnish Aviation Museum. If you are interested in shopping or dining, the Jumbo Shopping Centre and the nearby Flamingo Entertainment complex are perfect spots.

  • Kemi

    Kemi is a winter wonderland. Its main highlight is the Snow Castle. Another must-see is the Kemi Icebreaker, where you can embark on an adventure aboard a real icebreaker ship. If you want festive fun, the Kemi Christmas House offers a magical atmosphere year-round.

Things To Do In Finland

  • Head to Finland's frozen lakes to try ice fishing. You can drill a hole through the thick ice, drop a line, and enjoy the calmness of the frozen landscape while waiting for a catch.

  • Try Finnish dishes like Karjalanpiirakka (Karelian pasty), Kalakukko (fish pie), and the classic Lohikeitto (salmon soup). The fresh ingredients, often local, are a true taste of Finnish culture.

  • When in Lapland, go for a husky safari where you can drive a sledge pulled by a team of huskies. It is a perfect way to explore the snowy wilderness.

  • Finland’s northern regions experience the midnight sun, where the sun never fully sets. Hop on a cruise to experience this natural phenomenon.

  • If you are in Rovaniemi, visit Santa Park. Located underground, it is a Christmas-themed amusement park where you can enjoy the Elf School and meet Santa’s reindeer.

  • Finland is known for its music scene, especially heavy metal. Attend one of Finland’s many music festivals, like the Tuska Festival, or experience the classical music scene in Helsinki.

  • If you are travelling with kids, Moominworld in Naantali is a must-visit. Based on the popular Moomin books, the park offers interactive attractions, performances, and themed experiences for all ages.

  • Try cross-country skiing, especially in the winter. Glide across the snowy trails in the peaceful wilderness.

  • Finland is ideal for winter sports. Try skiing or snowboarding in resorts like Levi or Ylläs, or take part in snowmobile safaris.

  • In winter, some Finnish saunas offer ice-hole swimming. After a hot sauna session, dip into a hole cut in frozen lakes for complete rejuvenation.

List of Well-Known Indian Restaurants in Finland

  • Ravintola Tandoori Villa

    Niittyläntie 2, 00620 Helsinki

  • Monal Indian Cuisine

    Annankatu 4, 00120 Helsinki

  • India House

    Simonkatu 8, 00100 Helsinki

  • Spice Garden

    Lintuvaarantie 28, 02650 Espoo

  • Delhi Darbar

    Hämeenkatu 8, 20500 Turku

  • Tony’s Corner

    Mäntyviita 6, 02110 Espoo

  • Maharaja

    Mannerheimintie 21, 00250 Helsinki

  • Ravintola Indian Cuisine

    Kajaaninkatu 38, 90100 Oulu

  • Ravintola Shalimar

    Hannikaisenkatu 20, 40100 Jyväskylä

Local Law And Etiquette In Finland

  • Finns value honesty and directness. Small talk is minimal, and silence is often considered a part of the conversation. Avoid interrupting someone when they are speaking.

  • Saunas are an integral part of Finnish culture. If invited to a sauna, it is polite to accept. Nudity is common, but you can use a towel if you feel uncomfortable. Always shower before entering the sauna.

  • Finns have a deep respect for nature. When hiking or camping, follow the principle of “leave no trace.”

  • Being on time is very important in Finland. If you are running late, inform the person you are meeting as soon as possible.

  • The legal drinking age is 18, but to purchase alcohol from Alko (the state-owned alcohol store), you must be 20. Smoking is prohibited in public places, including restaurants and bars.

  • In Finland, you should drive on the right side of the road wearing a seatbelt and an international driving licence in your pocket. Winter tyres are required from December to February.

  • Always keep your Passport or a copy of it in your wallet. Finnish law requires you to be able to identify yourself if asked by the police.

Indian Embassy in Finland

Helsinki

Embassy of India

Address: 32, Kulosaarentie
00570 Helsinki

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Frequently Asked Questions About
Finland Travel Insurance

Do I need travel health insurance for Finland?

Yes, if you are travelling to Finland, having travel insurance with a minimum medical coverage of £30,000 is a mandatory requirement.

Can I purchase travel insurance for Finland from India after I have already booked my trip?

You can buy travel insurance even after booking your flights and itinerary, but securing it early ensures you maximise full policy benefits.

What is the eligibility criterion to buy a Finland travel insurance for visitors?

ICICI Lombard offers travel insurance plans for all ages, from newborns to seniors aged 80. If you fly to Finland with your dear ones, you can also buy a family cover.

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

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