Whether you are a new or a seasoned entrepreneur, Etera welcomes you. We provide you with professional and personal service in all your YEL insurance matters.
You can easily obtain YEL insurance online. If you have valid insurance with another pension company, we will take care of the transfer for you.
Assess your YEL income
YEL income is an estimate of the value of the self-employed person's work contribution. Your YEL income is used to determine your pension premiums, entrepreneur's pension, daily sickness allowance and parental daily allowance. The amount of your YEL confirmed income also affects your eligibility for receiving part-time pension and unemployment allowance.
Tip! Don't save on your basic cover – make sure your YEL income estimate is at the correct level. And don't forget: YEL premiums are tax-deductible. With a YEL income of EUR 40,000, for example, the tax deduction reduces your premium by nearly 40 per cent.
Apply for YEL insurance with Etera
You need to take out YEL insurance no later than six months from the start of your self-employment activities.
Online: Application for YEL insurance
Fill in and print out a YEL insurance application, pdf
By phone: Our customer service is ready to assist you on weekdays from 8 am to 4 pm,
tel. +358 10 553 3060.
It is best to arrange YEL insurance immediately, as the insurance premiums will be charged from the start of the self-employment activities. If you fail to take out the insurance within six months, a penalty fee will be charged on the premiums.
Let's get started!
We will send you a welcome package that includes the insurance policy and terms and conditions. We will also send user IDs for our YEL and TyEL online insurance services to your email. You can immediately start using the services and, for example, print out various YEL certificates.
Frequently asked questions
Can a self-employed person have several YEL insurances?
Does a self-employed person need a business ID in order to qualify for YEL insurance?
I am self-employed part-time, do I need to arrange YEL insurance?
I have arranged YEL insurance with another company, can I transfer it to Etera?
What if I take out insurance too late?