Rehabilitation costs abroad

You can receive reimbursement from Kela retrospectively for the costs of rehabilitation received abroad. The entitlement to reimbursement and its amount vary based on whether you are receiving reimbursement by virtue of the Health Insurance Act or the Act on rehabilitation provided by Kela.


If your need for rehabilitation is the result of a traffic accident, occupational accident or occupational disease, please contact your insurance company in order to determine the level of reimbursement. In this case, Kela is not responsible for the reimbursement of costs.

Reimbursements for rehabilitation on the basis of the Health Insurance Act

You can receive reimbursement from Kela retrospectively for the costs of medical rehabilitation received in another EU or EEA country or in Switzerland if, for example, you have sought physiotherapy services or fallen suddenly ill and paid the costs of medical rehabilitation related to the treatment yourself.

If you seek medical rehabilitation, such as physiotherapy, from another EU or EEA country from Switzerland, costs will be reimbursed in the same manner as if you were receiving similar rehabilitation within Finland’s private healthcare.

If the rehabilitation is considered medically necessary treatment according to the legislation of the EU or EEA country in question or Switzerland, the treatment was provided in this country and you have paid all costs yourself, you can receive reimbursement up to the amount that would have been the cost of similar rehabilitation within the public healthcare of your place of domicile.

  • The treatment provider will decide whether the medical rehabilitation is considered medically necessary.
  • The treatment provider will also decide if you will receive medical rehabilitation with the European Health Insurance Card.
  • Rehabilitation is not commonly considered necessary medical care and you cannot receive it with the European Health Insurance Card.

Seek reimbursement for rehabilitation costs from Kela on form SV 128 within six months after making the payment.

If you have sought healthcare services for the purposes of rehabilitation outside of the EU or EEA countries or Switzerland, you will not receive reimbursement for the costs from Kela on the basis of the Health Insurance Act.

Medical rehabilitation for the severely handicapped

Under certain conditions, Kela will reimburse rehabilitation provided abroad that Kela is responsible for organising on the basis of the Rehabilitation Act. Receiving reimbursement for the costs of rehabilitation on the basis of the Rehabilitation Act requires that you provide Kela with information concerning the content and service provider of the rehabilitation provided abroad. Rehabilitation is reimbursed differently based on whether it has been provided in an EU country or outside the EU.

You can receive reimbursement for rehabilitation provided in an EU country in the following cases:

  • Kela would have been responsible for organising the rehabilitation if it had been provided in Finland
  • The rehabilitation is based on a 1–3 year rehabilitation plan that has been drawn up in a public healthcare unit or a similar foreign treatment unit
  • The rehabilitation provided abroad meets the requirements for the content and scope of rehabilitation defined in the Rehabiilitation Act
  • The rehabilitation is provided in a language that you can understand and use
  • You have received a positive rehabilitation decision from Kela.

Rehabilitation is usually reimbursed from no earlier than the beginning of the month when you submitted the application to Kela. However, reimbursement for rehabilitation can be provided for a longer time for a specific reason; residence abroad may be such a reason. However, the earliest possible date for reimbursement is six months before the date of the application.

You can also receive reimbursement for therapies that were provided as medical rehabilitation for the severely handicapped in countries outside the EU. In addition to the conditions listed above, this requires that corresponding rehabilitation has not been available in Finland or that another specific reason for the reimbursement exists.

At a maximum, costs incurred by rehabilitation provided abroad are reimbursed up to the amount that would have been reimbursed if the rehabilitation had been provided in Finland in accordance with the Rehabilitation Act. The maximum amount of reimbursement will be equal to the actual costs that you have paid.

Apply for reimbursement for training provided abroad at the latest within six months of having received the service or paid the invoice.

Psychotherapy abroad

On the basis of the Health Insurance Act, Kela reimburses costs of psychotherapy given in an EU or EEA country or in Switzerland. According to the Health Insurance Act, reimbursements are only paid if the psychotherapy was given by a doctor.

The costs of rehabilitative psychotherapy given abroad are not reimbursed on the basis of the Rehabilitation Act.