Costs of medically necessary treatment

If you present your European Health Insurance Card in Finnish public health care, you will receive medically necessary treatment for the same client fee as a Finnish resident during your temporary stay in Finland.


  • Residents of another Nordic country can also present their identification.
  • Residents of the United Kingdom can present their passport.
  • Residents of Australia can receive medically necessary care by presenting their passport.

Your European Health Insurance Card, identification or passport must be valid during your treatment.

If you do not have a European Health Insurance Card or other certificate of right to treatment, you will generally be liable to pay the costs of any treatment provided in Finland. Your insurance company may cover the costs if you have a private insurance policy for medical expenses.

If you do not have a European Health Insurance Card

You can request a European Health Insurance Card from your own health insurance institution. If you do not have a card or you have, for example, misplaced it, you can request a substituting certificate from your health insurance institution.

You can apply for reimbursement retroactively if you have paid the costs yourself

If you have paid all costs of medically necessary treatment, you can apply for reimbursement later on from Kela or your own health insurance institution.

Kela will reimburse Finnish private health care costs as well as medicine and travel expenses if another EU or EEC country, Switzerland or Australia is responsible for the costs of your medical care.

Kela will not reimburse costs you pay for public health care.

  • If you have paid the costs of medically necessary treatment in Finnish public health care yourself, you can apply for retroactive reimbursement from your own health insurance institution.
  • If you feel that the client fee only should be charged for your treatment, your primary option is to ask the treatment provider to correct the invoice. Present a valid European Health Insurance Card or other certificate of right to treatment to the treatment provider.