STORY: Read about how the right to treatment works in practice
Grounds for Timo’s right to treatment
Since Timo is studying outside the EU/EEA countries, United Kingdom and Switzerland, he cannot use a European Health Insurance Card. Timo should take out travel insurance that covers medical care costs. Otherwise, he would have to pay all of his medical care costs himself because Kela will not reimburse expenses resulting from medical care outside the EU area.
If Timo studied in Quebec, Canada, he would be entitled to receive medical care on the same grounds as local residents, thanks to the social security agreement between Finland and Quebec. In this case, he would receive the treatment for the same fee as the local residents. Timo would do well to take out travel insurance in any case, since it may cover air ambulance costs, for instance.