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Unforeseen medical treatment - Finland

Note: Residents of the other Nordic countries (Denmark, Iceland, Norway, Sweden) need only to show a valid national ID card to prove eligibility for public healthcare in Finland.

Emergency

  • Call 112
  • Kela (Social Insurance Institution of Finland)

Kela has nationwide customer service numbers for different benefits. The service is open 8 am to 6 pm from Monday to Friday.

The customer service number for social security when moving to or from Finland and in other international situations is + 358 20 634 0200

Treatment, coverage & costs

Doctors

  • The European Health Insurance Card entitles you to treatment at any public healthcare facility. You can contact a municipal health centre, where healthcare professionals will determine what type of care you need.
  • You must present a valid European Health Insurance Card and a passport or other identification to receive treatment at the same price as a resident.
  • The health centre will charge you a client fee according to a fixed scale of charges.
  • If you are under 18, treatment is free of charge during normal office hours (outside office hours there is a client fee according to a fixed scale of charges).
  • You can also visit private doctors or medical clinics, in which case you must pay the full fee. You can, however, claim a reimbursement later from the social insurance institution Kela.

Dentists

  • The European Health Insurance Card entitles you to treatment at any public healthcare facility. Contact the municipal health centre if you need dental treatment.
  • You must present a valid European Health Insurance Card and a passport or other identification to receive treatment at the same price as a resident.
  • The health centre will charge you a client fee according to a fixed scale of charges.
  • If you are under 18, dental treatment is free of charge during normal office hours (outside office hours there is a client fee according to a fixed scale of charges).
  • You can also visit private dentists or dental clinics, in which case you must pay the full fee. You can, however, claim a reimbursement later from Kela.

Hospital treatment

  • To be admitted to a hospital, you will need a referral from a doctor.
  • You must present a valid European Health Insurance Card and a passport or other identification.
  • There is a daily client fee for hospital in-patient treatment.
  • If you are under 18, you do not need to pay the daily fee for more than seven days during the same calendar year.
  • There are client fees for hospital out-patient treatment.
  • If you use a private hospital, you will have to pay all costs. You can, however, claim a reimbursement later from Kela.

Prescriptions

  • You can take your prescription to any pharmacy.
  • At the pharmacy, you must pay the full cost of the medicine.
  • The pharmacy should give you a receipt for all prescription charges, which you can then use to claim a reimbursement from Kela.

Ambulance

  • The European Health Insurance Card entitles you to emergency treatment in an ambulance. You must present a valid European Health Insurance Card to the ambulance personnel.
  • The ambulance will charge you a client fee (€14.25) for the treatment.

Air ambulance

  • The European Health Insurance Card entitles you to emergency treatment in an air ambulance. You must present a valid European Health Insurance Card to the air ambulance personnel.
  • The need for air transportation is decided when the emergency number 112 is called.

Reimbursement

  • The national health insurance system partly reimburses the cost of:
    • private healthcare services, according to a schedule of fixed charges,
    • travel related to treatment and examinations,
    • certain medicines.
  • There is no reimbursement for the standard client fees charged by municipal health centres or hospitals.
  • Reimbursement can be claimed from the social insurance institution Kela by submitting form SV 127(e), available in private medical clinics. You can also find the form on the Kela website.
  • Complete and sign the form. Required information includes your permanent address, the date and your bank details (bank name & account number, including International Bank Account Number IBAN and Bank Identifier Code BIC).
  • Include copies of relevant documents when you submit the form to Kela. These include receipts, your European Health Insurance Card and passport or other identification.
  • Kela will pay the reimbursement directly into your bank account.
  • Claims for reimbursement must be submitted within six months of the original expenditure.
  • See details of reimbursement on the Kela website.

Service number for reimbursement of medical expenses
Tel: +358 20 692 204 (in Finnish)
Tel: +358 20 692 224 (in Swedish and English)

If you have to pay for medical care and were unable to submit a claim for reimbursement during your stay in Finland, contact your national health insurance provider once you return home.

Co-payment

  • In Finland the public social and health services are:
    • free of charge, or
    • the client fee is the same for everyone, or
    • the client fee is determined according to income and family.
  • The maximum fees charged for municipal social and health services are stipulated in the Act and Decree on social and health care client fees. Municipalities may opt to use lower rates or to provide the relevant service free of charge. Municipalities are not permitted to collect fees for services above the amount that is the actual cost of services.
  • The fees for public services have an upper limit per calendar year, beyond which clients do not have to continue paying. This does not apply to short-term institutional care. For more information look at the web pages of the Ministry of Social Affairs and Health.
  • The cost of treatment by a doctor or dentist in a private practice is reimbursed by Kela according to a schedule of fees. Kela reimburses part of the private doctor's fee and the examination and treatment charges according to a schedule of fixed charges. The schedule of fixed charges can be found in Finnish on Kela’s webpage. The maximum reimbursable fee specified in the schedule of fixed charges is often smaller than the fee actually charged by the doctor.
  • No reimbursement is available for medical services obtained from public-sector providers nor periods in which a person is being treated in a public hospital or institution (such as a home for the elderly).
  • Reimbursements from Kela are also available for prescription medicines.

Dialysis, oxygen & chemotherapy

If you need such treatment, contact the health care unit (for example a hospital) in advance, where you wish to receive the treatment.

Loss of card

Contacts for holders of EHICs issued in Finland

Contact Kela’s Centre for International Affairs

Tel: +358 20 634 0200

Fax: +358 20 634 1599

Email: inter.helsinki@kela.fi


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