Falling ill outside the EU

In a country other than an EU or EEA country, the United Kingdom, Switzerland or Australia, you will receive treatment based on the legislation and health care system of the destination country. You will usually have to pay for the costs arising from your treatment yourself, therefore it is recommended that you take out private health insurance.

If you are covered by health insurance in Finland and you have received treatment in a country other than an EU or EEA country, UK or Switzerland on account of a sudden illness, chronic condition, pregnancy or childbirth, you can apply for reimbursement from Kela retrospectively. The reimbursement is the same as the reimbursements for private health care in Finland.


According to the social security agreement between Finland and Australia, during a temporary stay in Australia you can receive medically necessary treatment in the country’s public health care system. Treatment is provided at the same price as to local residents when you show your Kela card and passport.

The social security agreement does not, however, cover students and researchers temporarily residing in Australia. They must take out private insurance that will cover medical treatment and medication costs.