Medical treatment in Finland

If you are a resident of a Finnish municipality (i.e., you have a place of domicile in Finland), you are entitled to all necessary treatment in the Finnish public healthcare system. You will be charged the same user fee as local residents. Even if you do not have a place of domicile in Finland, you may still be entitled to treatment in the Finnish public healthcare system for a user fee.

Reimbursements for treatment in Finland

Kela does not provide reimbursement for the costs of treatment obtained in the Finnish public healthcare system. Reimbursement is payable for private healthcare services, medicine purchases and travel costs in connection with medical treatment.

If you are covered for health insurance in Finland, you can receive direct reimbursement by presenting the Kela card. If the service provider does not have an agreement on direct reimbursement with Kela or if you for some other reason pay the costs yourself, you can claim reimbursement from Kela afterwards.

You can also receive reimbursement from Kela if you are covered for health insurance in another EU or EEA country, Switzerland or Australia. Reimbursement is paid for the costs for medically necessary treatment. This means treatment that cannot wait until you return home. Reimbursement is also paid for treatment in connection with a chronic illness, pregnancy or childbirth. Direct reimbursement is only possible for the costs for emergency treatment if you have a European Health Insurance Card. For other costs, you can claim reimbursement from Kela afterwards.

Claiming reimbursement for medical care expenses

Claim reimbursement from Kela:

  • for medicine purchases on form SV 178e
  • for travel expenses on form SV 4
  • for other costs on form SV 127e

You must claim reimbursement within 6 months from the date of paying the costs. You can submit the claim to Kela or send it by post. Reimbursement for travel expenses can also be claimed online if you have Finnish online banking codes or a mobile ID.

In addition to the claim you should submit a copy of the European Health Insurance Card granted by your home country. If you live in another Nordic country and you are covered for health insurance there, you can submit a copy of the European Health Insurance Card, your passport or another ID. If you live in Great Britain or Northern Ireland and you are covered for health insurance there, you can submit a copy of the European Health Insurance Card or your passport. If you are resident and covered for health insurance in Australia, you should submit a copy of your passport.

Information on healthcare services in Finland

The website Choosehealthcare.fi provides information about healthcare services in Finland. The information is intended as help for you if you need treatment for an acute illness while travelling in Finland. The information is also useful if you wish to seek treatment in Finland.

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