There will be amendments to the reimbursement model for seeking treatment independently. Our website content will be updated as soon as the amendments take effect. Read more: Changes to reimbursement of costs for treatment abroad

Leaving Finland for treatment abroad

If you wish, you can travel to another EU or EEA country or Switzerland for treatment. You will receive reimbursements from Kela for the treatment according to the same principles as in Finland. Clarify thoroughly in advance the practical issues relating to the treatment. This page contains a checklist of them for your convenience.

Things to remember

Determine the destination country and place of treatment

Agree on practical arrangements and travel for treatment

Pay the costs of the treatment and apply for reimbursements

You can use health care services in EU countries

If you live in an EU country, you can travel to another EU country to use public and private health care services. You will receive reimbursements from Kela for the treatment in the same way as if you had used private health care services in Finland. You can be reimbursed for the costs of treatment in another EU or EEA country or in Switzerland.

Please note that treatment is always provided in accordance with the national legislation and health care system of each respective country.

The legislation of the country providing the treatment is also applied in the case of treatment injuries. This means that the matter must be clarified with the treatment provider and that any compensation is sought from the authorities of the country in question. Finnish patient insurance does not cover injuries that occur abroad.

What is seeking treatment?

Seeking treatment means that you travel from your country of residence to another country specifically to receive treatment. If you receive treatment abroad on account of a sudden illness or accident, this is not counted as seeking treatment.

With or without prior authorisation?

In terms of costs, there are two options for seeking treatment: with or without prior authorisation. The more common way, which we describe on this page, is to travel for treatment without prior authorisation, in which case you will pay all the costs related to the treatment yourself and apply for reimbursements from Kela retrospectively.

You can also apply for prior authorisation, i.e. a payment commitment, from Kela.
Read more about prior authorisation and on what grounds it can be granted

Read more

Are you considering treatment abroad? Read the stories of Jorma and Leena.

Jorma seeks dental care in Estonia
– Seeking treatment without prior authorisation

Leena’s twin pregnancy care in Germany
– Seeking treatment with prior authorisation

Things to remember when you want to seek treatment abroad

Determine the destination

  • Find out the possibilities of obtaining the treatment you need in another country
  • Find a suitable place of treatment and ensure that the treatment provider is licensed

Agree on practical arrangements

  • Agree on the date of treatment and fees
  • Confirm the language of treatment and arrange interpretation, if necessary
  • Obtain a doctor’s referral, if required

Remember medical records and translations

  • Have your medical records translated and deliver them to the treatment provider
  • Ask the treatment provider for all the documents related to you and bring them with you to Finland
  • Have the documents translated into Finnish if you need follow-up treatment

Pay the costs and apply for reimbursements

  • Pay all the costs related to the treatment and save the receipts
  • Apply for reimbursement from Kela within six months of payment