Travel Insurance for Finland

Finland is a destination that proudly holds the distinction of being the world’s happiest country. From Helsinki’s design-forward streets to snow-covered Lapland, the Northern Lights, and thousands of lakes, the country offers a calm yet unforgettable travel experience. Clean cities, efficient transport and unique culinary experiences further appeal to travellers worldwide.

However, unexpected situations can arise anytime and disrupt your travel plans. For example, you could lose your passport while moving between cities or during a guided excursion. With Finland travel insurance, such situations become easier to manage. You get financial support and guidance to handle the process smoothly.

Another common concern for most travellers to Finland is disruption due to the weather. Flights to or within Finland can be delayed during the winter months because of snow or extreme conditions. Even in such cases, your travel insurance for Finland can bail you out.

IndusInd General Insurance (formerly Reliance General Insurance) offers the best travel insurance for Finland at highly competitive prices. The IndusInd Insurance app allows you to access your policy, raise claims, and seek assistance on the go.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

We, at IndusInd General Insurance (formerly Reliance General Insurance), ensure that your Finland trip is about creating memories with your loved ones instead of worrying about unforeseen contingencies. Our Finland travel insurance plans are designed to protect you at every turn during your trip. Here’s what makes them unique:

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Finland

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Finland Travel Insurance

Cashless Medical Coverage

Finland is known for outdoor activities. From city walking tours to winter adventures in Lapland, you can do it all. But if you fall ill or get injured, cashless medical coverage of up to USD 500,000* (and up to USD 500* for emergency dental treatment) helps you access treatment without worrying about upfront costs. Simply present your policy at a network hospital and focus on recovery.

24/7 Emergency Cash Support

Losing your wallet while travelling through Helsinki or during a train journey between cities can put you in a tough spot. With Finland travel insurance, you get emergency cash assistance of up to USD 300*, which ensures you have funds for essentials like transport, food, or accommodation until things are sorted.

Flight Delays & Connecting Flights

Weather conditions in Finland can be extreme, especially during the winter season. Flight delays or cancellations are common occurrences here. So, if your flight gets delayed beyond 12 hours, your travel insurance for Finland helps you receive compensation of up to USD 60 per day*. The coverage remains valid even for connecting flights.

Lost Baggage Support

If your luggage doesn’t arrive at Helsinki Airport or is delayed by more than 12 hours while you’re heading further north, your travel insurance for Finland provides compensation of up to USD 100*. In case of permanent loss of baggage, you get up to USD 1,500* to buy clothes and other essentials.

Personal Liability

Although the streets and traffic in Finland are highly organised, it does not eliminate the risk of mishaps. In case you accidentally damage property or cause bodily injuries to a third party during your Finland trip, personal liability coverage of up to USD 200,000* will protect you from incurring unforeseen expenses.

Loss of Passport

Travelling across Finland often involves multiple train or bus connections. If your passport is lost or stolen during the trip, the policy covers expenses up to USD 300* to help you get a replacement and continue your journey. You will also receive assistance to complete the process for passport replacement.

Key Features

Key Features of IndusInd Finland Insurance

Individual Travel Plan

With IndusInd Travel Insurance for Finland, you can stay protected against a gamut of disruptions. Our individual travel plans are designed keeping in mind the unique travel patterns of solo travellers. Below are the key features and coverage limits that make them a dependable choice:

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Family Travel Plans by IndusInd General Insurance (formerly Reliance General Insurance) eliminates the need to buy separate covers for each family member. Offering a shared coverage of up to USD 250,000*, they can be an ideal choice for those travelling in groups or families. In the case of a mishap, you won’t have to make independent claims or manage multiple policies. Below are the key features of these plans:

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Finland Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Finland Travel Insurance?

Buying IndusInd Travel Insurance for Finland is quick and hassle-free. You can purchase the policy online in just a few easy steps before your trip. Simply follow the process below:

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Finland as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Finland travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Finland Travel Insurance ?

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Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for Finland

Finland offers different visa options based on the purpose and duration of your visit. Whether you're travelling for tourism, work, study, or transit, each visa type caters to specific travel needs. Applying for the right visa type can expedite the process and save you from unnecessary hassles.

Schengen Category C Visa

This visa is ideal for short-term and temporary entry into the Schengen area, preferably for tourism or a family visit. It remains valid for up to 180 days.

Schengen Category A Visa

This is an airport transit visa, which allows travellers to transit through an international airport in Finland during a layover or change of flight.

Schengen Category D Visa

This visa is granted to certain individuals with residence permits in Finland. These may include students, workers, researchers, etc.

Embassy Contact Details: India and Finland

Parameters	Finland Embassy in India	Indian Embassy in Finland
Location	New Delhi, India	Helsinki, Finland
Address	E-3, Nyaya Marg, Chanakyapuri, New Delhi 110021	Kulosaarentie 32, 00570 Helsinki
Contact Number	+91 11 4149 7500 / +91 11 4149 7570	+358 9 228 9910 / Emergency: +358 447 579 259
Email Address	sanomat.nde@formin.fi; visa.nde@formin.fi	cons.helsinki@mea.gov.in; visacons.helsinki@mea.gov.in
Website	https://www.finland.org.in	https://www.indembhelsinki.gov.in
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	Mon–Thu: 8:00 am – 4:00 pm; Fri: 8:00 am – 2:45 pm	9:00 am – 1:00 pm & 1:30 pm – 5:30 pm

Best Time to Visit Finland

From snowy wonderlands to bright summers, Finland is a destination that offers distinct travel experiences in different seasons. Choosing the right time to visit here can shape everything, from activities to costs. Here’s an overview of the best time to visit Finland based on what you want from your trip.

November to March

What to Expect: Snow-covered landscapes, Northern Lights, freezing temperatures.

Perfect For: Aurora chasers, winter sports lovers, Lapland Christmas magic.

Tourist Flow: Moderate

Flight and Hotel Rates: Higher during peak winter

Keep in Mind: Extreme cold requires proper winter gear.

April to June

What to Expect: Melting snow, longer daylight hours, mild spring weather.

Perfect For: Sightseeing and city exploration with fewer crowds.

Tourist Flow: Low to moderate

Flight and Hotel Rates: Relatively affordable

Keep in Mind: Weather can be unpredictable in early spring.

September to November

What to Expect: Pleasant summer, lush landscapes, autumn colours later.

Perfect For: Nature trips, lakes, sightseeing, and outdoor activities.

Tourist Flow: High

Flight and Hotel Rates: Peak season pricing

Keep in Mind: Book early for summer travel dates.

Interesting Facts About Finland

World’s Happiest Country - As per the World Happiness Report of 2025, Finland is the happiest country in the world.

Land of Thousand Lakes - Finland actually has more than 1,88,000 lakes, earning it the title “The Land of a Thousand Lakes”.

Northern Lights Magic - You can witness the Aurora Borealis in Finland up to 200 nights a year, especially in Lapland during winter.

Sauna Capital of the World - With more than 3.3 million Saunas for 5.5 million people, Finland is known as the Sauna capital of the world.

Midnight Sun Phenomenon - In summer, parts of Finland experience 24 hours of daylight. The sun never sets here.

Santa Claus Lives Here - Santa’s official home is in Rovaniemi, Lapland, where you can meet him year-round.

Pristine Water - Finland is renowned for the cleanest water on Earth. Even the tap water is exceptionally pure and healthy.

Reindeer Outnumber Humans - In Lapland, the northernmost region of Finland, there are more reindeer than humans.

World’s Largest Archipelago - With more than 50,000 islands, Finland’s Archipelago Sea forms the world’s largest archipelago.

Coffee Superpower - Finns drink the most coffee per person globally. A perfect place for Indian caffeine lovers.

Diverse product range to enhance your life

Translation

English is widely spoken in Finland, but signage and menus may appear in Finnish or Swedish. Google Translate works well, especially with offline downloads. Microsoft Translator is another reliable option.

Accommodation and Hotel Booking

Booking.com and Hotels.com are widely used across Finland for hotels and serviced apartments. Airbnb is great for cosy city stays or glass igloos in Lapland. Many listings offer free cancellation.

Navigation

Google Maps offers accurate directions even in remote areas. In Helsinki, the HSL app provides real-time routes for trams, buses, ferries and metro, making city travel smooth and hassle-free.

Food Delivery

Wolt and Foodora are Finland’s most popular food delivery apps. They cover cafés, bakeries and international cuisine, especially in Helsinki, Tampere and Turku.

Transport

Use HSL for public transport tickets in Helsinki. VR Matkalla helps book long-distance trains easily. Uber and Bolt operate in major cities and are reliable alternatives to taxis.

Sightseeing and Events

Visit Finland, Klook and GetYourGuide help plan attractions, Northern Lights tours and seasonal activities. Google Maps listings are detailed and updated with opening hours and reviews.

Key Takeaways

Finland has steadily grown in popularity among Indian travellers. Northern Lights, snow-covered landscapes and cities like Helsinki and Rovaniemi attract a good number of global tourists every year.

That said, travelling to a Nordic country comes with its own set of challenges. Extreme winter conditions, flight delays due to weather, lost baggage during multi-leg journeys, or medical emergencies in an unfamiliar healthcare system can quickly disrupt plans. This makes buying travel insurance a crucial part of planning a trip to Finland. In fact, global aviation data shows that nearly 37% of flights experienced delays in 2024, which caused significant financial and emotional stress.

IndusInd Finland Travel Insurance (formerly Reliance Travel Insurance) is designed to handle these situations smoothly. Our plans offer high medical coverage of up to USD 500,000* with the cashless hospitalisation facility. This can be highly useful, given the exorbitant cost of healthcare in Europe.

Another key advantage is its fully digital experience. From accessing your travel insurance policy details to filing a claim, you can do it all via the IndusInd insurance app. Affordable premiums, coverage for flight and baggage delays, lost passport assistance, and 24/7 customer support are some of the reasons that make our travel insurance policy the best in the market.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Finland travel insurance plans starting at just ₹306*

Insure Your Trip to Finland Today!

From witnessing the magical Northern Lights in Lapland and exploring Helsinki's vibrant culture to experiencing breathtaking lakes, forests, and winter adventures, stay protected with IndusInd Finland travel insurance. We help ensure your Finnish journey remains safe, seamless, and worry-free!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

How long does it take to process a visa for Finland?

Schengen visa processing usually takes 15 working days, but it can extend to 30 days during peak travel seasons or if additional documents are required.

What should Finland travel insurance cover?

Your travel insurance policy should include medical emergencies, hospitalisation, trip delays, baggage loss, and emergency repatriation for smooth travel across Finland and visa processing.

Will my Finland travel insurance cover injuries due to adventure activities?

Most standard travel insurance plans cover common activities. However, for snow safaris or adventure sports, it’s best to opt for add-ons or check activity coverage at the time of buying the policy.

What are the requirements to buy travel insurance for Finland?

To buy a travel insurance policy for Finland, you may need a valid Passport, travel tickets, itinerary details, and basic personal information (name, age, contact number, etc.). Get in touch with your insurer to know the exact requirements.

In which currency will I receive my claim reimbursement?

All reimbursements are processed in Indian National Rupees (INR), based on the applicable exchange rate on the date of reimbursement. You’ll receive the eligible amount in INR as per your policy terms and the documented foreign expenses.

Do Indians need a visa to travel to Finland?

Yes, Indian passport holders need a Schengen visa to travel to Finland. This visa remains valid for up to 180 days and allows short stays of up to 90 days within the Schengen area.

Is travel insurance mandatory for a Finnish visa?

Yes. Travel insurance is mandatory to apply for a Schengen visa for Finland. The policy must cover the entire Schengen area with a minimum coverage of €30,000.

Is medical treatment expensive in Finland?

Yes. Healthcare in Finland is high-quality but costly for tourists. Travel insurance helps cover unexpected medical expenses without incurring high out-of-pocket costs.

What will be the premium for my Finland travel insurance policy?

The premium for your Finland travel insurance depends on factors like your age, trip duration, coverage chosen, and any add-ons you select. With IndusInd Travel Insurance, you can see the exact quote instantly when you enter your trip details online.

How can I file a travel insurance claim while in Finland?

You can raise a travel insurance claim during your trip with the help of the IndusInd Insurance App, dialling our helpline number, or writing an email to us. Our claim experts are available 24/7 to assist you through the claim process.