Working abroad and living in Finland

If you have a place of domicile in Finland, you can always use all public healthcare services at the same price as the residents of the municipality in question. EU legislation and conventions on social security may also create situations where you are living in Finland without a place of domicile and you are nevertheless entitled to all public healthcare services. This will usually also entitle you to reimbursement for private medical care from Kela.


Working in another EU or EEA country or in Switzerland

If you are living in Finland and working in another EU or EEA country or in Switzerland, your country of employment is responsible for your healthcare costs and

  • you can use all public healthcare services in Finland at the same price as the residents of that municipality
  • you are eligible to receive from Kela reimbursement for private medical care
  • you can use healthcare services in your country of employment in a similar manner to those living there
  • you are usually covered by health insurance in your country of employment
  • you will receive a European Health Insurance Card from your country of employment
  • you will receive reimbursement for treatment costs incurred outside of Finland from the health insurance institute in your country of employment.

If you transfer to the health insurance of your country of employment, you can no longer use the Kela Card or a European Health Insurance Card issued by Kela.

For the purposes of administering healthcare costs, the health insurance institute in your country of employment will provide you with the registration form E 106 or S1 that you need to submit to Kela. The authorities may also exchange registration information directly. If your country of employment is another Nordic country or the United Kingdom, the form does not need to be registered.

If you do not have a place of domicile in Finland, Kela will grant you a certificate of entitlement to treatment in Finland if necessary. Kela may also send you the certificate if health care service provider is entitled to receive state reimbursement for your treatment costs. By presenting this certificate, you can receive treatment in a similar manner to those living in Finland. You will pay the same customer fee for the treatment as the residents of the municipality in question. You can apply for the certificate from Kela on form SV 140.

Working in other countries

When you are living in Finland and working outside of the EU or EEA countries or Switzerland, your right to use public healthcare services is based on the place of domicile that the Register Office has on file for you.

  • If you have a place of domicile in Finland, 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, you will only be entitled to emergency treatment within public healthcare. You are responsible for the costs of treatment.

Kela decides on the health insurance. If you are covered by health insurance in Finland, you will have access to the Kela Card and receive reimbursement for the costs of private medical treatment incurred in Finland and abroad. If you are not covered by health insurance in Finland, you cannot use the Kela Card.

If you move to Israel as a posted worker for the purposes of work and the convention on social security applies to you, you will retain your health insurance coverage in Finland and you will be able to use all public healthcare services. If necessary, Kela will provide you with a certificate of entitlement to treatment in Finland which you can use to demonstrate your right to public healthcare.

  • You can apply for the certificate from Kela in pursuance of application form Y 38 at e-services or with a free-form application.
  • You may use the Kela Card.