Occupational health care for entrepreneurs and other self-employed persons

If you are self-employed or a farmer, you can choose to arrange occupational health coverage for yourself. Kela can pay reimbursement for part of the cost of the coverage.

Kela provides reimbursement for self-employed persons and independent farmers who are insured under the Self-Employed Persons' (YEL) or Farmers' (MYEL) Pensions Act.

Reimbursements are also available even if the insurance has been discontinued on account of disability while the self-employed person receives a rehabilitation subsidy or a temporary workers’ compensation pension.

The purpose of occupational health care is to create a healthy and safe work environment and a well-functioning workplace community, to prevent work-related illnesses, and to maintain and promote work capacity and functioning.

  • For more information on the organisations involved in occupational health care, see the Institute of Occupational Health’s website at Työterveydeksi.fi.

Preventive occupational health care

  • The occupational health nurse and/or doctor gets to know the circumstances and practices at the workplace by means of workplace surveys and visits. They are a way to analyse the circumstances of the self-employed person and any hired staff.

  • The occupational health doctor and nurse can carry out medical examinations and refer individuals to laboratory and radiology tests and other examinations. The frequency of medical examinations and what they consist of are determined according to the health, workplace conditions, work demands and individual characteristics of the self-employed person and employees.

  • When carrying out medical examinations, the occupational health doctor and/or nurse evaluate the need for rehabilitation and other measures designed to support the ability to work.

  • To comply with good occupational health care practice, the occupational health professionals (occupational health doctor and nurse) consult the appropriate specialists  (e.g. occupational therapists or occupational health psychologists) on the planning, implementation, development and monitoring of occupational health services.

Learn more about the content of preventive occupational health services (kela.fi/tyonantajat).

Medical care:

  • If you wish to obtain general practitioner level medical care as part of occupational health care, you must agree that with your occupational health service provider.

Self-employed persons with employees

If you have employees working for you, you can claim reimbursement for your own occupational health costs on an employer-specific claim at the same time as you claim reimbursement for the cost of your employees’ occupational health services. The claim is made separately for each accounting period. Read more about occupational health care arranged by the employer (in Finnish).

Reimbursement criteria

Before obtaining occupational health services, you must agree the content and provision of the care with the service provider. Occupational health care is based on a workplace survey in which the service provider examines the work practices and workplace conditions and evaluates their health impact.

In order to get reimbursement for occupational health care costs, you and the service provider must have a valid

  • agreement on occupational health care,
  • plan of operations for occupational health care
  • workplace survey

Learn more: Tyosuojelu.fi > Website of the Occupational Health Safety and Health Administration in Finland > Occupational Health Care

What does Kela reimburse?

In accordance with the Health Insurance Act, Kela provides reimbursement for the necessary and reasonable costs of preventive occupational health care and general practitioner level medical care services.

Costs for medical care can be reimbursed as occupational health care only for self-employed persons who have an agreement on occupational health care with a service provider that covers not only preventive occupational health care but also medical services.

Kela can also provide reimbursement for the cost of travel related to occupational health care and for the cost of establishing and maintaining first-aid readiness if it has been determined, as part of the workplace survey, what kind of first-aid readiness is relevant for the type of work concerned.

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