peruskattavuus

Peruskattavuus, often translated as basic coverage or fundamental coverage, is a concept primarily used in Finnish insurance and public administration contexts. It refers to the minimum level of service or protection guaranteed or provided by law or by a standard agreement. This level is intended to cover essential needs or risks, ensuring a baseline of security for individuals or entities.

In insurance, peruskattavuus defines the essential benefits or perils that a policy must cover to be considered standard. For example, a basic health insurance policy might cover essential medical treatments and hospital stays, while excluding elective procedures or supplementary services. Similarly, a basic property insurance policy would cover fundamental risks like fire and theft, but not necessarily specialized risks like flood damage or terrorism.

Within public administration and social services, peruskattavuus signifies the core provisions that a municipality or state is obligated to offer its residents. This could include basic healthcare services, social welfare support, or essential educational programs. The aim is to ensure that all citizens have access to fundamental necessities, regardless of their individual circumstances. The specific scope of peruskattavuus can vary depending on the sector and the relevant legislation or regulations.