When can you get reimbursement from Kela

In some cases, you can receive reimbursement from Kela for treatment costs incurred in Finland even if you do not reside in Finland. Kela reimburses costs incurred from Finnish private health care, medication, travel and medical treatment abroad on the basis of the Health Insurance Act.


You can be reimbursed for private health care costs and care-related medicine and travel expenses in the following cases:

  • you are covered by health insurance in Finland, or Finland is responsible for your health care costs in accordance with EU legislation
  • you have received medically necessary treatment during a temporary stay in Finland and another EU or EEC country or Switzerland is responsible for the costs of the medical care
  • you have travelled to Finland for treatment under a prior authorisation granted by your country of residence (form E 112 or S2).
  • you have come to Finland for work from another EU or EEC country or Switzerland and you have an employment pension insurance policy in Finland but you live abroad
  • you have come to Finland from Quebec, Canada as a posted worker, researcher or student, and you have registered yourself with Kela.

If you come to Finland with the intention of using the health care services and do not have prior authorisation (form E 112 or S2) from your country of residence, you can apply for reimbursement for costs arising from the treatment from your own health insurance institution.

If you have been granted prior authorisation (form E 112 or S2) for treatment to be provided in Finland and you have been treated in private health care services, you can be compensated for the treatment costs by Kela on the same grounds as those who are covered by health insurance in Finland.

Kela does not reimburse the costs you pay for public health care.

Kela reimburses private health care costs and care-related medicine and travel expenses.

Kela reimburses a part of the following

  • private doctors’ fees, and costs of tests and treatments prescribed by private doctors
  • fees of private dentists and dental hygienists, and costs of tests prescribed by dentists
  • drug costs
  • costs of travel for medical treatment.

Applying for reimbursement for treatment costs incurred in Finland

If you do not have a Kela Card or other certificate of the right to treatment, which would enable you to obtain the reimbursement directly from the service provider, you must apply for retroactive reimbursement for medical treatment from Kela.

In the event that you have received medically necessary treatment during your temporary stay in Finland and another EU or EEC country or Switzerland is responsible for the costs of your medical treatment, you can apply for retroactive reimbursement from Kela or your own health insurance institution.

You must apply for the Kela reimbursement within six months of the payment of the charge.

  • Reimbursement for treatment costs is applied with form SV 127
  • Reimbursement for drug costs is applied with form SV 178
  • Reimbursement for care-related travel costs is applied with form SV 4.

Please append the following to the application:

  • account of treatment provided by a doctor or dentist, and the fees charged
  • test and treatment prescriptions
  • account of purchased medication from a pharmacy
  • copy of your certificate of the right to treatment

Submit the application to Kela by post. You can also deliver the appendices through the Kela e-Services system.

Direct reimbursement

You can receive the Kela reimbursement as a direct reimbursement for the following: