Welcome to the Finnish market

Partner with us to build innovative services to advance the way Finns stay healthy and use health services in the future – apply by 5th April.

Apply For Innovation Challenge

OP is the largest financial group in Finland, offering banking, insurance and wealth management services to nearly 5 million customers. OP is evolving into a multi-branch services company, one of the focus areas being wellness and health. OP will offer startups funding, expertise, and streamlined access to the Finnish market.

OP is looking to launch world class health services for Finnish markets. We are looking to integrate new solutions with our insurance services and own hospitals in Finland.
We are looking for startups with an innovative technology, product or service to create the next innovations to health services:

  • Workplace health
  • Self Improvement
  • Health Platforms

The Program’s kick-off is a 4-day long Innovation Challenge that ends in a pitching day. The winning startups will be invited to the Smart Health Startup Partnership Program starting in May 2017, where there are grants up to of 50 000€ / team.

Smarth Health Phases

During the Innovation Challenge, we will provide you a real life test pad, including Wiithings (https://www.withings.com/eu/en/ ) provided from our Smart Health Program partner Nokia. Your travel and accommodation expenses will be covered for 2500€ for teams from abroad.

Apply For Innovation Challenge


Why partner with OP

We are the largest bank and insurance company in Finland with nearly 5 million customers. We have two hospitals and opening three more in 2017-2018 – we are evolving from a Financial services group to a diversified services company.

We are opening new hospitals in Finland and concentrating to health and wellness services. In Smart Health Program we are partnering with the largest companies working in the health and wellness sector.

Startups, join us!

We want to collaborate with you to co-create groundbreaking solutions that can be brought directly to Finnish markets.

The Program is a 3-month intensive period for collaboration, including three boot camp weeks in Finland with mentoring sessions, networking events and having fun.

Within the program you’ll get access to:

  • Awesome mentors, including startup experts, industry advisers, key executives at OP Financial Group and our business partners from Nokia, IBM and Orion Pharma.
  • Hands-on business development and commercialization team dedicated to working with you
  • An inspiring office space where you can work side by side with other smart and talented founders and people at OP Lab who are developing our new growth businesses with and like startups.
  • Our customers. We have over 4 million customers who use our services on a daily or a weekly basis
  • Grants up to 50 000€ to compensate your effort. Actual sums will be agreed based on time and materials

Apply For Innovation Challenge

Contact us

Anton Danielsen, OP
Tel. +358 41 533 5188

Kristian Luoma, OP
Tel. +358 40 709 6790

Lasse Palovaara, OP
Tel. +358 40 534 9511


Q & A

When and how to apply?

We are currently proceeding to a global launch of the OP Smart Health Challenge application and we are expecting hundreds of applications. Be aware, the earlier the application the more attention it gets so apply now from here, until the the 5th April!

When does it start, when does it end? Where would we be located?

The challenge starts the 8th May, with the innovation challenge week and ends the 11th May and will welcome 10 selected startups. After which 3 to 5 startups will be selected to start the partnership program. The partnership programs includes notably 3 bootcamps (of 3 days each) and remote coaching and follow-up, until September 2017.

Do we need to physically be re-located in Finland for 4 months if we are one of the 5 selected?

No, your physical presence is requested in Helsinki during the challenge week, and if selected ,to the 3 bootcamps spread over a period of 4 months. So basically it means most of the work, follow-up and coaching is done remotely.

We are based abroad, can you help us with flight and accommodation costs?

Yes, OP will grant your company 2500€ (flat fee) to cover all trip and accommodation costs if you are coming from outside Finland. If you come from outside the capital region (Uusimaa), you will be granted 1000€.

We are from a different planet, can we apply?

Absolutely, your startup shall though be registered as a company. We welcome startups from all over the world, welcome!

Are you taking any equity from our company?

No, OP takes no equity for this challenge.OP is providing you grants and work with you to tailor your existing product or service which may be launched onto the Finnish market.

How many startups are you selecting?

8 to 12 startups will be selected to start the innovation week challenge, among those up to 5 may be selected to move forward with the partnership, and receive up to 50k€ when completing the programme.

From a cashflow perspective, how and when are the grants delivered?

Grants are gradually delivered as selected tartup progresses during the 4 months partnership programme

Do we have to work during summer?

You manage your resources the way you wish and you are aware lots of work is expected from your