Occupational health care for entrepreneurs and other self-employed persons: Rates of reimbursement

Occupational health care costs are divided into two reimbursement categories.

  • Reimbursement category I includes the costs of preventive occupational health care.
  • Reimbursement category II includes the costs of general practitioner level medical care and other health care.

Kela each year calculates a maximum reimbursement rate for each category, which is entrepreneur-specific and follows the general level of prices. However, no maximum rates of reimbursement will be confirmed for the years 2018 – 2020. The rates confirmed for 2017 will be used instead. New rates will be confirmed at the end of 2021, whereby only the change in costs since the beginning of 2021 will be factored in. At that time, separate maximum reimbursement rates for employers and self-employed persons will be confirmed for 2021 and 2022, respectively.

The rate of reimbursement starting from the beginning of 2021 is 60% for preventive occupational health care and 50% for medical care, in both cases calculated on the basis of necessary and reasonable costs and with the requirement that the basic criteria for reimbursement are met and that the services are provided in accordance with good occupational health practice. Kela does not pay reimbursement for any exceeding costs.

In both reimbursement categories, the rate of reimbursement until the end of 2020 is 50% of necessary and reasonable costs, with the requirement that the basic criteria for reimbursement are met and that the services are provided in accordance with good occupational health practice. In reimbursement category I, 60% of the cost of preventive occupational health care can be reimbursed if

  • the self-employed person and the occupational health care provider have agreed on the steps that will be taken to manage, monitor and provide early support for work ability
  • the responsibilities of the self-employed person and of the occupational health care provider are described in a plan of operations for occupational health care.

Maximum rates of reimbursement in 2021

Costs (EUR per year)

Reimbursement (EUR per year)

Preventive occupational health care (reimbursement category I)

 

50 %

60 %

  • Workplace survey (higher)

882,00

-

529,20

  • Other preventive occupational health care (lower)

441,00

-

264,60

Medical care (reimbursement category II)

314,00

157,00

-

Maximum rates of reimbursement in 2020

Costs (EUR per year)

Reimbursement (EUR per year)

Preventive occupational health care (reimbursement category I)

 

50 %

60 %

  • Workplace survey (higher)

882,00

441,00

529,20

  • Other preventive occupational health care (lower)

441,00

220,50

264,60

Medical care (reimbursement category II)

314,00

157,00

-

There are 2 independent maximum amounts which are applied to occupational health care (reimbursement category I) and are specific to individual entrepreneurs:

  • higher amount, which applies to workplace surveys carried out by occupational health care professionals and experts
  • lower amount, which applies to other preventive occupational health care (e.g., medical examinations and associated tests, costs of first-aid readiness, and travel costs).

The costs of medical care (reimbursement category II) are reimbursed under the occupational health care reimbursement system only for entrepreneurs and other 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 care services.

Rates of reimbursement of workplace survey costs for farmers

Workplace survey costs for farmers include the costs associated with farm visits, the drawing up and revising of an operational plan, and the off-site interview of the farmer conducted by an occupational health nurse.

Starting from the beginning of 2021, the practices relating to the management, follow-up and early support for work capacity will no longer affect the rate of reimbursement, which means that farmers are paid reimbursement for 60% of the costs of workplace surveys under the Health Insurance Act, while the remaining 40% of the reimbursement comes out of other government funds. In other words, farmers incur no costs for workplace surveys unless they exceed an entrepreneur-specific annual limit.

Until the end of 2020, Kela pays farmers 50% of the costs of a farm visit made by an occupational healthcare provider for the purpose of evaluating their working environment, or 60% as a reimbursement under the Health Insurance Act up to 40% out of other government funds. Farmers are thus reimbursed for

Reimbursement for costs of occupational healthcare is, however, only paid up to an annual maximum amount per farmer.

Visit Kela's e-service website to see the amount you will get in reimbursement

Entrepreneurs and other self-employed persons can visit Kela's e-service website to see the amount of occupational health costs they have incurred during the year and how much they have been reimbursed by Kela. The system also tells you the amount of reimbursement funds left for the rest of the year. Log in to Kela's e-service (in Finnish and Swedish) using your bank ID or a mobile ID.