Working in Finland

If you arrive from another EU or EEA country, Switzerland or Quebec in Canada in order to work in Finland, you can usually use public healthcare services and receive reimbursement for private medical care even if you do not have a place of domicile in Finland. Kela will verify your entitlement to treatment in Finland. If you arrive as a worker from outside of the EU and EEA countries, Switzerland or Quebec in Canada, your right to treatment is based on having a place of domicile in Finland and being covered by Finnish health insurance.


When you arrive in Finland for the purposes of employment, the following factors affect your right to use Finnish public healthcare services and to receive reimbursement for the costs of private medical care:

  • The country from which you are arriving,
  • The length of your working time in Finland,
  • The duration, salary and working hours of your employment,
  • Whether or not your employer is located in Finland.

When you arrive in Finland in order to work for a Finnish employer, contact Kela in order to determine your right for Finnish health insurance.

You may be entitled to use public healthcare services in Finland and to receive reimbursement for private medical care even if you are not permanently residing in Finland or covered by Finnish health insurance. In this case, your employment is usually covered by EU legislation or an international convention on social security that will entitle you to treatment in Finland. Submit the following to Kela for registration without delay:

  • Form E 106, E 109, E 120, E 121, S1 or S3 from another EU or EEA country or Switzerland
  • Form SF/Q1 or SF/Q4 issued by Quebec in Canada.

If you intend to move to Finland permanently, submit a notification of move to the Register Office. If the Register Office records a place of domicile for you, you can use all public healthcare services.

Cross-border workers in Finland

Cross-border workers working in Finland and living in Estonia, Sweden or Norway are entitled to use all public healthcare services at the same price as the residents of the municipality in Finland. Cross-border workers do not have places of domicile in Finland, but they are covered by Finnish health insurance due to their work and are provided with Kela Cards. Cross-border workers are also entitled to treatment in their country of domicile.

  • Request health insurance from Kela through e-services or on form Y 77.

If you work in Finland as a cross-border worker and you are covered by Finnish health insurance:

  • You are entitled to public healthcare services and reimbursement for private medical care in the same manner as the residents of Finland
  • You will receive a Kela Card and a European Health Insurance Card issued by Kela
  • If necessary, Kela will provide you with a certificate of entitlement to treatment in Finland that you can use to demonstrate your right to use public healthcare services and to receive reimbursement for private medical care
  • Your family members have similar rights even if they are not employed.

Employee sent from an EU or EEA country or from Switzerland

If your employer posts you to Finland from another EU or EEA country or from Switzerland for the purposes of employment, your employer country is responsible for your healthcare costs. You are usually also covered by health insurance in your employer country.

If your employment in Finland lasts for less than a year, you can demonstrate your right to treatment in Finland by showing a European Health Insurance Card issued by your employer country and you will receive:

  • Medically necessary treatment within public healthcare at the same price as the residents of the municipality.
  • Reimbursement for the costs of private medical care, medicines and travel from Kela. Apply for reimbursements from Kela retrospectively.

If you will be working in Finland for more than a year, submit form E 106 or S1 from your employer country to Kela for registration. Based on this form, Kela will provide you with a certificate of entitlement to treatment in Finland which you can use to demonstrate your right to public healthcare and reimbursements for private medical care.

Employers arriving from Quebec in Canada

Temporary workers and posted workers who arrive in Finland from Quebec in Canada are covered by Quebec’s health insurance, and the responsible health insurance institute will issue form SF/Q1 or SF/Q4 to demonstrate this. Submit the following documents without delay:

  • Form SF/Q1 to the Finnish Centre for Pensions for registration
  • Form SF/Q4 to Kela for registration.

After registration:

  • You are entitled to public healthcare services and reimbursement for private medical care in the same manner as the residents of Finland
  • Kela will provide you with a certificate of entitlement to treatment in Finland that you can use to demonstrate your right to use public healthcare services and to receive reimbursement for private medical care
  • Your family members who move with you have similar rights even if they are not employed.

Employees arriving from outside the EU

In general, the right of an employee arriving from outside the EU, EEA or Switzerland to using public healthcare services is based on whether the Register Office has recorded a place of domicile for them.

  • 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.

Your right to reimbursement for private medical care from Kela will be solely based on whether you are covered by health insurance in Finland.

  • Request health insurance from Kela through e-services or on form Y 77.

The EU’s immigration directives will in some cases apply to employees arriving in Finland from outside of the EU and EEA countries and Switzerland; they are entitled to equal treatment with Finnish residents.

  • The Finnish Immigration Service will decide whether the directives apply in your case.
  • If necessary, Kela will grant a certificate of entitlement to treatment in Finland to workers who do not have a place of domicile; you can apply for a certificate from Kela in pursuance of application form Y 77 at e-services or on form SV 141.