Working abroad

When you leave to work in another EU or EEA country or in Switzerland, you will usually be covered by the health insurance system of your country of employment. If you work for a Finnish employer in another EU or EEA country or in Switzerland, you will generally continue to be covered under Finnish health insurance. When you leave for the work outside Europe, find out about your health insurance and use of healthcare services in the destination country.


Always notify the Local Register Office and Kela of employment abroad or if you move abroad for more than three months.

Notify Kela of residence and employment abroad. You can make the notification through Kela´s e-services or on form Y 38. If you move abroad, submit a notification of move to the Local Register Office too. Find out issues relating to insurance for work abroad from the Finnish Centre for Pensions.

Employee in another EU or EEA country or in Switzerland

If you move to an EU or EEA country or to Switzerland to work for a local employer, you will usually be covered under the health insurance system of your country of employment. As an employee, you will receive treatment in your country of employment on the same terms and at the same price as the local residents once you have first registered with the local health insurance institution.

You will receive treatment in your country of employment in accordance with the legislation and healthcare system of that country. Healthcare service vary in different countries and the cost of treatment can differ from that in equivalent circumstances in Finland. When you are covered as an employee by health insurance in another EU or EEA country or in Switzerland, you receive any treatment you need primarily in your country of employment. In this case, health insurance generally means the right to use the healthcare services of the country of employment.

Find out about your health insurance system from your employer and the health insurance institution of the destination country. Some countries have several institutions responsible for administering statutory health insurance from which you can choose your cover yourself. You usually pay the health insurance contribution yourself, which can be considerably higher than a similar payment in Finland.

The health insurance institutions often have contracts with local healthcare service operators, in which case you can obtain treatment at a contract price. Your health insurance institution usually issues you with a document enabling you to prove your entitlement to treatment in the country of employment. Information that you are covered under health insurance may be accessible to local healthcare operators in IT systems as well.

The health insurance institution of your country of employment will issue with a European Health Insurance Card enabling you to prove your entitlement to treatment in an EU or EEA country or in Switzerland.

  • If you need treatment in Finland, prove your entitlement to treatment with the European Health Insurance Card issued by your country of employment.
  • If you do not have a municipality of residence in Finland, you can receive medically necessary treatment in the public healthcare system during your stay in Finland.
  • If you have a municipality of residence in Finland, you can as a municipal resident use all the services of the public healthcare system.

Working for a Finnish employer in an EU or EEA country or in Switzerland

If you are posted by an employer in Finland to work in another EU or EEA country or in Switzerland, you will usually retain Finnish health insurance coverage. The Finnish Centre for Pensions is the competent authority in Finland that decides whether Finnish social security will be applied during your employment. The decision will be made on the basis of either your application or that of your employer.

If you are covered under the Finnish health insurance system during your employment abroad, Finland is responsible for the costs of your medical care. You will receive a decision from Kela on health insurance coverage and on the application of Finnish social security legislation.

  • During employment aboard of less than a year, you can obtain treatment in your country of employment by presenting the European Health Insurance Card issued by Kela.
  • If you move abroad to work for more than a year, in order to obtain treatment you must usually register with a health insurance institution in your country of employment using an E 106 or S1 form issued by Kela.

When Finland is responsible for the costs of your treatment, you can use all the services of the Finnish public healthcare system too. You pay the municipal resident´s client fee for using the services. Whether you have a municipality of residence in Finland is irrelevant.

  • If you do not have a municipality of residence in Finland, Kela will provide you with a certificate of entitlement to medical care in Finland.

A non-working family member accompanying an employee posted to another EU or EEA country or to Switzerland, will usually retain coverage under the Finnish health insurance system.

  • The family member should notify Kela of the move through e-services or on form Y 38.
  • If Finland is responsible for the costs of medical care for a family member too, that family member will have the same right to treatment as the posted employee.

Employee in the Province of Quebec or in Israel

If you move temporarily to the Province of Quebec as an employee or as a posted worker, you can obtain, if necessary, medical and hospital treatment and, in part, dental care in the same way as persons covered under health insurance in Quebec. This right also applies to a family member moving with you. In order to receive treatment, you must first register with Health insurance board of Quebec. To register, visit

If you move to work in Israel, you retain coverage under the Finnish health insurance system and can use all public healthcare services when you are a

  • Posted worker
  • Civil servant or a person employed in an equivalent position in the public sector
  • Person operating a transport vehicle in Israel if the company owning the vehicle has its registered place of business in Finland
  • Maritime workers on a vessel under the Finnish flag but sailing in Israeli waters
  • Family member moving with one of the above.

Employee in other countries

Your right to obtain treatment and use healthcare services in your country of employment is based on the legislation of that country. Find out in advance what kind of care you are entitled to and whether private insurance, for example, is necessary in order to obtain care.

When you are employed in a country other than an EU or EEA country, or Switzerland, it is the duration of your stay abroad that generally affects your health insurance coverage in Finland. Kela decides on your health insurance coverage and issues a decision on the application of Finnish social security legislation.

  • Notify Kela on form Y 38 of employment abroad and of a move abroad that is longer than three months.
  • If you are covered under Finnish health insurance while working abroad, you can use the Kela card and receive reimbursements for medical costs.

Your right to use public healthcare services in Finland is based on the Local Register Office´s entry concerning municipality of residence. In general, your municipality of residence in Finland is retained if your stay abroad is less than a year.

  • If you do not have a municipality of residence in Finland, you can only receive emergency care within public healthcare. You are responsible for the costs of emergency treatment yourself.
  • If you have a municipality of residence in Finland, you can use all the public healthcare services in your municipality.