Finland Risk Assessment Country Guide

Expat Life in Finland

Finland has an approximate population of 5.5 million people and is the second largest population of the Nordic countries. In 2012, 4.2 million international tourists visited Finland. Popular destinations include the Åland Islands, the red brick castle Hämeenlinna, capital city Helinski, and Lapland (the best place in the world for seeing the Northern Lights).

Finland is located in Northern Europe, bordering the Baltic Sea, the Gulf of Bothnia, and the Gulf of Finland, between Sweden and Russia. The terrain is mostly flat and rolling plains with lakes and low hills; Finland contains over 60,000 lakes. The climate in Finland is usually cold, though mild due to the surround seas and the country’s lakes.

Formerly characterized by a farm and forest economy, Finland has developed a diverse and modern industrial economy, and the income per capita is the highest in Western Europe. Finland today is known for its high quality education system, its promotion of equality, and its national social welfare system.

The threat level in Finland of terrorism and crime is low.

  • Health
  • Safety & Security
  • Terrorism

Finland’s modern economy and democracy have cultivated a highly developed healthcare system with medical care readily available in most of the country. Travelers should receive routine vaccinations and be aware that once admitted to the country, travelers cannot receive medications from outside of the country. The public hospital system honors foreign credit cards, as do many private hospitals. Foreigners in Finland may visit local medical centers, clinics, or first-aid stations to receive emergency medical assistance.

Finland has been dealing with an increased number of tuberculosis, with 274 reported cases in 2012. 

While expats are waiting to qualify for national healthcare, they can purchase private international health insurance. Clements Worldwide offers a comprehensive GlobalCare® expatriate health insurance plan. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, multilingual assistance, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Finland.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Driving in Finland during the winter months can be hazardous. Drivers should take extra precautions on icy road conditions. Finland requires vehicles to have snow tires from the beginning of December through the end of February. It’s recommended to have snow tires during the spring and throughout the year.

In 2013, there were 258 deaths related to traffic accidents. Always carry your license and insurance information when driving.

Though Finland’s roads and highways are in excellent condition, public transportation is the recommended mode of travel. In urban centers, this includes buses, subways, trams, suburban trains, and taxis, and passenger trains, intercity buses, and air flights are available for traveling longer distances. 

If you are planning on driving in Finland, consider purchasing international car insurance with borderless coverage. Clements offers Overseas Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing as well as borderless coverage, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Finland.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Terrorism is a low threat in Finland; however, travelers should remain cautious and aware of the global risk of terrorist attacks. In 2002, a bomber killed seven people, including two teenagers and a seven year-old child, at a shopping mall in Myyrmanni. The bomb injured over 160 people as well.

On September 10, 2016, a man was attacked at a Neo-Nazi demonstration in Helsinki, hitting his head on the ground. The man died six days later. The incident was followed by mass demonstrations of citizens calling for authorities to address racism and violence.

In December of 2014, the Finnish Security Intelligence Service admitted that Finland’s per capita recruitment of radical Muslims fighting in Syria is high, but they denied that radicalism is a special problem in Finland.

Although terrorism is a low threat, you should consider looking into a War and Terrorism extension, which broadens coverage and offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Finland.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions