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Unforeseen medical treatment - Finland

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

Emergency, ambulance, air ambulance

Kela (Social Insurance Institution of Finland)
Tel: +358 20634 0210 (in Finnish)
Tel: +358 20634 0220 (in Swedish)

or contact a local municipal health centre or hospital in the region where you are staying.

Using the European Health Insurance Card during a temporary stay in Finland

Finland has two official languages: Finnish and Swedish. Most people, including medical professionals, speak English.

Treatment & 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.
  • 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.
  • 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 inpatient 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 outpatient 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 euro) 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 of air transportation is decided when the emergency number 112 is called.

Reimbursement

  • The national health insurance 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 had 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.

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