Treatment costs and reimbursements

Customers coming from abroad can receive treatment in Finland for the client fee if they have an appropriate certificate of entitlement to treatment (such as a European Health Insurance Card) or a municipality of residence in Finland. Otherwise, customers usually pay the actual costs of their treatment themselves. In certain situations, Kela pays state reimbursement for treatment costs.


When customers coming from abroad seek treatment in Finland, they are primarily responsible for the costs of health services, arranging interpretation, translating documents and covering any related costs.

Customers may receive treatment for the municipal resident’s client fee if they have a municipality of residence in Finland or if they present an appropriate certificate of entitlement to treatment to the treatment provider. The case can be one of the following:

  • A person from an EU or EEC country or Switzerland is staying in Finland temporarily and requires medically necessary treatment. In this case, the person proves their entitlement to treatment with the European Health Insurance Card issued by their country of residence. Nordic residents can demonstrate their right to treatment with a passport or personal identification, and residents of the United Kingdom or Australia can demonstrate it with a passport.
  • Persons who are working in Finland but do not have a municipality of residence in the country can demonstrate their right with a certificate of entitlement to medical care in Finland granted by Kela.
  • The person has prior authorisation from another EU or EEC country or Switzerland for treatment to be provided in Finland.

The actual costs of treatment can be charged from customers coming from abroad in the following cases:

  • They do not present a certificate of right to treatment.
  • They have received emergency treatment and have come to Finland from a country other than an EU or EEC country, Switzerland or Australia.
  • They have come to Finland for the express purpose of seeking health care services.

Extensive information on certificates of entitlement to treatment can be found on Kela’s website in Finnish.

Kela pays reimbursements to private customers

Customers coming from EU or EEC countries or Switzerland who suddenly become ill in Finland may be reimbursed for the costs of treatment in Finnish private health care, either by Kela or the health insurance institute of their home country. Kela also reimburses costs of prescribed medicine and travelling due to the treatment of the illness. Customers should find out in which country they should apply for reimbursement.

Persons coming from abroad who have been granted prior authorisation for treatment in Finland and who have received treatment in Finnish private health care can apply for reimbursements for private medical treatment from Kela retroactively. The reimbursement from Kela must be applied for within six months of incurring the costs. A copy of the prior authorisation must be appended to the application.

Insurance compensations: Accident, occupational disease and traffic accident

If a person coming to Finland from abroad suffers a traffic accident in Finland or the need for treatment is due to an occupational accident in Finland or an occupational disease that occurred under a Finnish employer, the insurance company should primarily reimburse the costs of treatment. The matter should be clarified with the insurance company, the Finnish Motor Insurers’ Centre (LVK) or Federation of Workers’ Compensation Center (TVK).

Public health care must primarily apply for compensation for the occupational accident or occupational disease from the insurance company responsible for the statutory accident insurance or clarify the matter through the Workers’ Compensation Center (TVK). For a traffic accident, public health care must primarily apply for compensation from the responsible insurance company or clarify the matter through the Finnish Motor Insurers’ Centre (LVK).

More detailed information on applying for insurance company compensation can be found on Kela’s website (in Finnish).