Pensioner living abroad

Jos asut eläkeläisenä vakinaisesti EU- tai Eta-maassa tai Sveitsissä, saat hoitoa asuinmaassasi. Jos Suomi vastaa sairaanhoitosi kustannuksista, voit saada hoitoa myös Suomessa. Jos asut vakinaisesti muualla kuin EU- tai Eta-maassa tai Sveitsissä, saat Suomessa vain kiireellistä hoitoa. Jos sinulla on kotikunta Suomessa, voit käyttää kaikkia julkisen terveydenhuollon palveluja.


If you are a pensioner living permanently in an EU or EEA country of Switzerland, your country of domicile will provide treatment. If Finland is responsible for the costs of your healthcare, you can also receive treatment in Finland. If your permanent place of residence is outside the EU or EEA countries or Switzerland, Finland will only offer you emergency treatment. If you have a place of domicile in Finland, you can use all public healthcare services.

In Finland, all persons requiring emergency treatment are treated within public healthcare. You will be responsible for the costs of emergency treatment if

  • you do not have a place of domicile in Finland
  • you are not living in an EU or EEA country or in Switzerland

Finnish social security usually ends when you moving abroad permanently (Kela) as a pensioner. A permanent move will usually also mean that you no longer have a place of domicile in Finland.

Citizenship, the duration of the stay in Finland or the payment of taxes are all insignificant when determining a pensioner’s right to use public healthcare services in Finland after moving abroad.

Living in an EU or EEA country or in Switzerland

EU legislation may entitle a pensioner permanently living in an EU or EEA country or in Switzerland to use all public healthcare services and to receive reimbursement for the costs of private medical care from Kela even if they are no longer living in Finland. A pensioner’s costs of treatment are usually covered by the country that pays their pension.

If Finland is responsible for your costs of treatment and you are permanently living in another EU or EEA country or in Switzerland, you are not covered by health insurance in Finland. This means that you may not use a Kela Card. The Register Office has also recorded that you do not have a place of domicile in Finland.

Kela will decide whether Finland covers the treatment costs of a pensioner. If Finland covers your costs of treatment, Kela will issue a European Health Insurance Card for pensioners. With this card, you can:

  • Demonstrate your right to treatment within public healthcare, where you will receive treatment on the same terms as the residents of the municipality.
  • Use public healthcare services in the municipality of your choice; treatment will be arranged according to your needs.
  • Receive direct reimbursement for private medical care and ambulance transport.
  • Receive direct reimbursement for medicine purchases as well as special and additional reimbursement for any medicines that you require during your stay in Finland.

If you pay the costs of treatment in Finland yourself, you can apply for reimbursement for private medical care from Kela retrospectively.

If you live in another EU or EEA country or in Switzerland as a pensioner and Finland covers your costs of treatment, you will not require Prior authorisation (form E 112 or S2) for treatment provided in Finland.

If Finland is not responsible for your costs of treatment and another EU or EEA country or Switzerland pays your pension, this country will provide you with a European Health Insurance Card that demonstrates your right to treatment in Finland.

If your treatment costs are not covered by an EU or EEA country or Switzerland, you will only receive emergency treatment in Finland. In this case, you will be responsible for the costs of treatment.

Living in a country other than an EU or EEA country or Switzerland

If you are living outside of the EU or EEA countries or Switzerland, your right to use public healthcare services is entirely based on whether you have a place of domicile in Finland. The Register Office records the place of domicile in the population register system.

  • If you have a place of domicile in Finland after your move, you can use all public healthcare services at the same price as the residents of the municipality in question.
  • If you do not have a place of domicile in Finland after your move, you cannot usually receive non-urgent treatment within public healthcare. You will be responsible for the costs of treatment