Finland Travel Insurance Starting at Just ₹306*
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Flight Cancellation Covered
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Baggage Loss Covered
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Passport Loss Covered
Travel Insurance for Finland
A Finland is steadily gaining popularity among Indian travellers, thanks to its breathtaking natural beauty, vibrant culture, and unique experiences from the magical Northern Lights and serene lakes to the charming streets of Helsinki and the snowy landscapes of Lapland. With its world-class infrastructure, warm hospitality, and adventure activities like husky sledding, ice fishing, and exploring Santa Claus Village, Finland is becoming a top choice for nature lovers, winter sports enthusiasts, and cultural explorers. Simplified visa processes and a growing tourism network make it even more appealing for Indian tourists.
But even short trips to Finland can become stressful if unexpected issues like lost baggage, flight delays, or medical emergencies arise. That’s why it’s essential to insure your journey, no matter the destination. With increasing travel disruptions globally, more Indian travelers are prioritizing protection a trend supported by rising travel insurance adoption.
That’s where IndusInd Finland Travel Insurance (formerly Reliance Travel Insurance) becomes your reliable travel partner. With a digital-first approach, you can download your policy and store it on your phone using the IndusInd Self-i app, ensuring help is always within reach even while chasing the Northern Lights in Lapland, cruising through the Finnish archipelago, or exploring Helsinki’s cultural landmarks.
Exploring Finland should be all about unforgettable moments not unexpected expenses. IndusInd Finland Travel Insurance (formerly Reliance Travel Insurance) offers affordable and dependable coverage designed to protect your journey every step of the way.
$500,000 Coverage*
High Medical Coverage
24/7 Customer Support*
Get help anywhere in Finland
99.57% Claims Settled*
Speedy claim processes
No Medical Check-ups*
Just apply, pay and download!
Benefits of Buying Finland Travel Insurance
Cashless Medical Coverage
Whether you're skiing in Lapland or exploring the vibrant streets of Helsinki, unexpected health issues can arise. With IndusInd Finland Travel Insurance, you get cashless medical coverage up to USD 500,000* and USD 500* for emergency dental care. Simply present your policy at any certified hospital in Finland, and we’ll handle the rest no upfront payments needed.
24/7 Emergency Cash Support
Lost your wallet while shopping in Helsinki’s markets or attending cultural events in Rovaniemi? Don’t worry—we offer emergency cash support up to USD 300. This benefit is available 24/7, ensuring you always have funds for food, transport, and accommodation. Whether it’s day or night, help is just a call away. Plus, our team can guide you through the process too.
Flight Delays & Connecting Flights
Flight delays at Helsinki-Vantaa Airport (HEL) or regional hubs like Rovaniemi or Turku can happen, especially during winter. If your flight is delayed over 12 hours, you’ll receive up to USD 60 per day* to cover meals and essentials. This benefit also applies to missed connecting flights, helping you manage disruptions with ease.
Lost Baggage Support
If your checked-in baggage is delayed for more than 12 hours, you’ll receive up to USD 100* to buy essentials like clothes and toiletries. In case your luggage is lost, we offer up to USD 1,500* to help you replace your belongings ensuring your comfort and convenience even when things don’t go as planned.
Personal Liability
Driving in Finland or renting a vehicle for your trip? If you accidentally damage property—like a parked car or a vendor’s stall our personal liability coverage of up to USD 200,000* protects you from out-of-pocket expenses. Whether it’s a minor scratch or a bigger mishap, you’re financially covered.
Loss of Passport
Travelling between cities like Helsinki, Tampere, or Rovaniemi? If your passport gets lost, we cover up to USD 300* for reissue-related costs. This includes assistance with documentation and embassy coordination, so you can get a replacement quickly and continue your journey without delays.
Individual Travel Plan
IndusInd Finland Travel Insurance provides all-around protection for your trip against a range of disruptions. Our individual travel plan offers comprehensive coverage for one traveller, making it a smart addition to any solo journey across Finland—whether you're chasing the Northern Lights in Lapland, exploring the vibrant streets of Helsinki, or enjoying a serene cruise through the Finnish archipelago.
Here are the key features and coverage limits of this plan that make it a standout choice for travellers heading to Finland:
Family Travel Plan
Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.
Disclaimer: Please refer to the official policy documents for detailed information linked here
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.
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 documents for detailed inclusions and exclusions.
Heading to Finland Soon?
Call us for quick protection before takeoff!
Purchasing IndusInd Finland Travel Insurance is a simple and quick process. You can easily buy the policy online in just a few clicks before your trip. Just follow these steps:
Enter Your Details
Enter your travel dates, DOB and choose Finland as your destination.
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.
Medical Claim
Medical Claim
Medical 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.
Disclaimer: Please refer to the policy documents for complete claims related process
Types of Visas for Finland
Tourist Visa
For leisure travel, sightseeing, or visiting friends and family. Indian citizens require a Schengen tourist visa to enter Finland. Valid for up to 90 days within a 180-day period. Applicants must submit a valid passport (minimum 3 months beyond stay), visa form, travel insurance, proof of accommodation, and return flight tickets. Extensions are rare and handled by the Finnish Immigration Service (Migri).
Business Visa
For attending meetings, trade fairs, or professional events. Valid for up to 90 days. Requires a company cover letter, invitation from Finnish partner, business registration proof, financial documents, and travel itinerary. Apply via VFS Global or Finnish Embassy. Employment is not allowed under this visa.
Student Visa
For academic studies at recognized Finnish institutions. Requires admission letter, financial proof, valid passport, medical certificate, and police clearance. Issued for the duration of the course and extendable. Includes eligibility for a residence permit through Migri.
Work Visa
For employment or volunteering in Finland. Requires a work permit, employment contract, and employer credentials. Valid for the contract period and extendable. Must be supported by a residence permit application. Approval must be obtained before arrival.
Transit Visa
For travelers transiting through Finland. Indian citizens may need a Schengen Airport Transit Visa. Valid for short stays within the airport’s transit area. Requires passport, visa form, onward ticket, and destination visa (if applicable). Must be applied in advance. Entry into Finland is not permitted.
Family Visa
For joining family members living in Finland. Eligible applicants include spouses, children under 18, and legal guardians. Requires passport, application form, relationship proof, sponsor’s ID and income documents. Issued for long-term stay with residence permit eligibility. Employment may be allowed depending on the permit.
Embassy Contact Details: India and Finland
Visa-Compliant Coverage
Trip Cancellation Protection
24x7 Global Assistance
Best Time to Visit Finland
June to August
What to Expect: Mild, sunny weather with temperatures around 15–25°C, ideal for hiking, lake activities, and exploring cities like Helsinki.
Perfect for: Families, culture lovers, and outdoor enthusiasts.
Tourist Flow: High
Flights and Hotel Rates: Peak pricing due to summer demand
Return Airfare from India (Approx): ₹65,000–₹1,00,000*
Keep in Mind: Book early for popular events like Juhannus (Midsummer) and Flow Festival.
December to March
What to Expect: Cold, snowy weather with magical winter landscapes, ideal for skiing, Northern Lights, and snow safaris.
Perfect for: Adventure seekers, honeymooners.
Tourist Flow: High in Lapland, moderate elsewhere
Flights and Hotel Rates: Higher rates in peak winter destinations
Return Airfare from India(Approx): ₹70,000–₹1,10,000*
Keep in Mind: Days are short; polar nights occur in northern regions.
September to November
What to Expect: Crisp autumn weather (5–10°C) with vibrant foliage and fewer crowds. Great for scenic drives and photography.
Perfect for: Nature lovers and budget travelers.
Tourist Flow: Moderate
Flights and Hotel Rates: Competitive pricing
Return Airfare from India (Approx): ₹60,000–₹90,000*
Keep in Mind: Weather can be unpredictable; pack layers and waterproof gear.
Interesting Facts About Finland
Nordic Beauty – Known for its pristine natural landscapes, including thousands of lakes, dense forests, and the magical Northern Lights. It’s often called the “Land of a Thousand Lakes,” though it has over 180,000!
Sauna Culture – With over 2 million saunas for a population of 5.5 million, saunas are a cornerstone of Finnish life. They’re found in homes, offices, and even Parliament, symbolizing relaxation and social bonding.
Rich Cultural Heritage – Finnish culture blends indigenous Sámi traditions with Nordic and Russian influences. Folk music, design (like Marimekko), and literature are deeply rooted in national identity.
World-Class Education – Finland’s education system is globally admired for its emphasis on equality, creativity, and student well-being. Teachers are highly respected, and students enjoy minimal standardized testing.
Happy Nation – Finland consistently ranks as one of the happiest countries in the world, thanks to its strong social support systems, low corruption, and high quality of life.
Adventure & Nature – From hiking in Lapland to kayaking in the archipelagos, Finland offers year-round outdoor activities. In winter, visitors enjoy skiing, and snowshoeing.
Finnish Cuisine – Traditional dishes include karjalanpiirakka (Karelian pies), lohikeitto (salmon soup), and rye bread. Berries, mushrooms, and fresh fish are staples, often enjoyed with coffee.
Independent Republic – Finland became independent from Russia in 1917 and is now a stable democracy, part of the EU and NATO, with a strong commitment to human rights and sustainability.
UNESCO Recognition – Finland boasts several UNESCO World Heritage Sites, including the Fortress of Suomenlinna, the Petäjävesi Old Church, and the Struve Geodetic Arc.
Festivals & Traditions – Celebrate events like Juhannus (Midsummer), Vappu (May Day), and Laskiainen (Shrove Tuesday), which reflect Finland’s seasonal rhythms and communal spirit.
Diverse product range to enhance your life
Translation
Finnish and Swedish are the official languages of Finland, but English is widely spoken, especially in urban areas. In rural regions or with older locals, Finnish may be more common. Translation apps like Google Translate, iTranslate, and SayHi are useful for basic phrases. Be sure to download the offline Finnish-English pack for use in remote areas or during outdoor adventures.
Accommodation and Hotel Booking
Top hotel booking apps include Booking.com, Airbnb, and Expedia. TripAdvisor is great for reviews and local insights. Many boutique hotels and countryside cabins offer direct booking, so compare across platforms for the best deals. For unique stays, check Visit Finland’s website or local tourism portals.
Navigation
Google Maps works well across Finland, including cities like Helsinki, Tampere, and Rovaniemi. For offline use, Maps.me is excellent, especially for hiking trails in Lapland or national parks. Waze is helpful for driving, particularly in southern Finland.
Food Delivery
In major cities like Helsinki, Tampere, and Turku, food delivery apps like Wolt and Foodora are widely used. They offer a range of cuisines, from Finnish classics to international dishes. Use Google Maps and TripAdvisor to find nearby restaurants with reviews and menus.
Transport
Finland has an efficient public transport system. Use HSL (Helsinki Region Transport) for metro, trams, and buses in the capital. VR is the national railway app for booking trains. For intercity buses, try Matkahuolto or OnniBus. Uber operates in Helsinki, and Bolt is a popular ride-hailing app. For car rentals, use Rentalcars.com or Discover Cars.
Sightseeing and Events
Apps like GetYourGuide, Viator, and Klook help book tours for activities like Northern Lights safaris, lake cruises, and cultural experiences. For local events and festivals, follow Visit Finland on social media or check their official website. Eventbrite and Tiketti are also useful for concerts and local happenings.
Key Takeaways
Finland is steadily gaining popularity among Indian travellers, thanks to its incredible natural beauty, vibrant culture, and diverse experiences from serene lakes and snowy forests to the magical Northern Lights and traditional Finnish saunas. With its warm hospitality, world-class infrastructure, and adventure activities like husky sledding in Lapland or island-hopping across the Finnish archipelago, Finland is becoming a top choice for honeymooners, nature lovers, and cultural explorers. Simplified visa processes and a growing tourism infrastructure make it even more appealing for Indian tourists.
But even short trips to Finland can become stressful if unexpected issues like lost baggage, flight delays, or medical emergencies arise. That’s why it’s essential to insure your journey, no matter the destination. With increasing travel disruptions globally, more Indian travelers are prioritizing protection a trend supported by rising travel insurance adoption.
That’s where IndusInd Finland Travel Insurance (formerly Reliance Travel Insurance) becomes your reliable travel partner. With a digital-first approach, you can download your policy and store it on your phone using the IndusInd Self-i app, ensuring help is always within reach even while admiring the Northern Lights in Rovaniemi, relaxing in a lakeside cottage in Saimaa, or exploring the cultural heart of Helsinki.
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Product & Sum Insured: T&C Apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan. Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.
Premium - Asia & International: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.
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