Lisäturva

Lisäturva is a Finnish term that roughly translates to additional security or supplementary protection. It is not a single formal program but a general label used in various sectors to describe coverage, guarantees, or services that extend beyond the standard terms of a contract, policy, or benefit package. The exact meaning depends on the context and the product, but lisäturva typically involves extra protection against risks, higher benefit limits, or additional services for a fee.

In insurance, lisäturva often appears as a rider or add-on to a policy, such as extended accident cover, higher disability benefits, or broader premises and liability protection. These add-ons are chosen by the customer and come with specific terms, exclusions, and premium costs. In pension and employment contexts, lisäturva can denote supplementary protections beyond statutory benefits, such as private pension savings, employer-provided top-ups, or voluntary insurance that improves overall risk protection or retirement income.

In consumer finance and banking, lisäturva may refer to protection products linked to loans or credit cards, including payment protection, loan protection, or guarantees that cover specific risks. The availability and design of lisäturva products vary by provider and product line.

Regulation and consumer rights are governed by Finnish financial and insurance law, with oversight by the Finnish Financial Supervisory Authority. When considering lisäturva, consumers should carefully review terms and conditions, coverage scope, premiums, duration, cancellation rights, and claim procedures, and compare offers to ensure the extra protection aligns with their needs.

Because lisäturva is a broad, context-dependent concept, there is no single universal definition. Always check the exact terms in the specific product or contract to understand what is being offered.