A woman is holding a Kela card in her hand

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All permanent residents of Finland are issued a personal health insurance card ('Kela card').

A woman is holding a Kela card in her hand

Kela card

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.

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 move abroad temporarily or permanently, you should notify Kela about this. Kela determines your entitlement to national health insurance coverage and to Kela benefits. If you are no longer covered for health insurance benefits in Finland, you do not have the right to use the Kela card even if you visit Finland.  

If you move to Finland from another country or if you start working in Finland, you can apply for a Kela card on form SV 157 (in Finnish). Send the form to Kela and also enclose the form Y 77e Moving to Finland.