The YEL contribution falls due on the 20th day of the month or on the following banking day. You can choose 1, 2, 3, 4, 6 or 12 instalments per year. The payment arrangements can be changed during the year, as long as half of the contributions fall due before August. You can change the instalments easily in our online service: YEL insurance > Insurance policy information > Edit instalments.
Try out our handy calculator for the self-employed! It will help you determine YEL instalments that suit you best.
Try out the YEL calculator
Varma's own collection advisors are here to help
If necessary, you can request an extended term of payment through our online service: YEL insurance > Invoices > Apply for extended term of payment for your invoices. The term of payment is subject to interest for late payment (10.5% in 2023). Varma’s collection advisors will work with you to find the best solution for your payment situation. Don’t hesitate to contact us! We charge a EUR 40 collection fee for sending a payment reminder.
Log in to Varma Online Service
YEL invoices electronically
If your company pays your YEL insurance contributions and uses electronic invoicing, you can give us of your e-invoicing address and operator in Varma Online service: YEL insurance > Insurance policy information > Invoice recipient > Edit.
Submit your e-invoice address in Varma Online Service
If you pay your YEL insurance contributions yourself, you can activate an e-invoice agreement for them in your personal online bank. The bank will automatically send us information about the e-invoice agreement.
If you would like to receive YEL invoices by email, provide your email address to which you want invoices to be sent in the Varma Online Service: YEL insurance > Insurance policy information > Invoice recipient > Edit.
Provide the email address for YEL invoices