All who are covered under the National Health Insurance (NHI) scheme of Finland are issued a personal health insurance card, the Kela card. By presenting your card at the pharmacy or at many private medical clinics, you can get a direct, on-the-spot reimbursement for your costs.
The photoless Kela card
is sent automatically and at no cost to everyone covered under the Finnish social security system. You will receive a new card for example if you change your name and report the change to the local register office.
If you leave Finland permanently, you must return your Kela card to Kela. If you take up permanent residence in Finland, you should apply for coverage under the Finnish social security system, after which you will get your personal Kela card.