Who pays for your care?
You can receive treatment or care abroad and only pay what locals pay. You must have a certificate of entitlement to medical care: the European Health Insurance Card (EHIC) or prior authorisation (S2). If you live in another EU or EEA country or in Switzerland, Kela may grant you the certificate S1 (previously E106 or E121). Register the certificate with the health insurance institution in your country of residence.
The country that provided the treatment will invoice Finland for the costs for the treatment. Although you may not have to pay for the treatment, Finland will still receive an invoice for the expenses.
Usually, Finland will be invoiced an amount that reflects the actual costs of your care. The country of residence may invoice pensioners and their family members a fixed amount. The fixed amount is based on the average healthcare costs of the respective countries. Countries who charge a fixed amount include Ireland, Spain, Cyprus, Portugal, Sweden, Great Britain and Northern Ireland. Other countries charge the actual costs for the treatment.
If you visit Finland or live here and your medical expenses are covered by another EU or EEA country or Switzerland, Kela will invoice the costs incurred in Finland from the country that has granted you the European Health Insurance Card or certificate S1 (former E106 or E121).
The costs for treatment are invoiced retroactively for EU and EEA countries and Switzerland. In Finland, Kela administers the invoicing and payments. Kela pays the costs out of state funds. Finland has an agreement with the Nordic countries, Great Britain and Northern Ireland that the costs are billed only if the client has received care on the basis of prior authorisation in the form of either E112 or S2.