Receiving reimbursement usually requires that corresponding treatment would have been provided in Finland’s public health care. The reimbursed treatment must be included in the service choices of the Finnish health care system. The Council for Choices in Health Care, established under the Ministry of Social Affairs and Health, determines the service choices for health care.
Kela also reimburses treatment provided as a remote service. Remote service refers to medical services provided from abroad through a video link.
Costs incurred in an EU or EEA country, United Kingdom or in Switzerland
If you travel to another EU or EEA country, Switzerland, or United Kingdom to use health care services, this is counted as seeking treatment abroad. Kela will reimburse the costs up to what similar treatment in Finland in your wellbeing services country would have cost. However, you will always have to pay the client fee that the Finnish healthcare system would have charged for your treatment.
You can ask Kela in advance what kind of reimbursement you can receive for your treatment. Remember to apply for prior notification well before seeking treatment. For the application, you will need from the doctor providing the treatment abroad an account of the treatment to be provided, an estimate of the costs of the treatment and a referral, if one would be required for accessing similar treatment in Finland. Kela will reimburse the costs of treatment in the manner indicated in the prior notification, if the treatment has been implemented in accordance with the information you have provided.
If you have received a prior authorisation pursuant to the relevant EU regulation from Kela for treatment provided abroad, you will only pay the client fee in the country providing the treatment. Kela will charge the other costs from your wellbeing services county. If you have to pay all costs yourself, you can claim reimbursement from Kela.
If you are temporarily residing in another EU or EEA country, United Kingdom or in Switzerland and you require medically necessary treatment, you will receive treatment with the European Health Insurance Card. You will pay the same client fee as the local residents would pay for corresponding treatment. The client fee will not be reimbursed. If you need to pay all the costs of treatment yourself, you can claim reimbursement from the health insurance institute of the country providing the treatment or from Kela.
- If you claim reimbursement from the health insurance institute of the country providing the treatment, the reimbursement will be paid according to the legislation of the country in question.
- If you received treatment in another Nordic country, Kela will pay the reimbursements retrospectively and always according to the legislation of the country providing the treatment.
- If you claim reimbursement from Kela for costs incurred in another EU or EEA country, United Kingdom or Switzerland, you can choose to be reimbursed either according to the legislation of the country providing the treatment or according to the Finnish legislation.
If you live in another EU or EEA country, Switzerland or United Kingdom and Finland is responsible for your treatment costs, you will pay the same client fee for the treatment as the local residents. Receiving treatment for the same fee as the local residents requires that you register with the health insurance institute of your country of residence.
- If you pay the costs of treatment in your country of residence, claim reimbursement from the local health insurance institute.
- If you pay the costs of treatment outside of your country of residence, claim reimbursement from Kela.
Costs incurred in a country other than an EU or EEA country, United Kingdom or Switzerland
If you have required treatment in a country other than an EU or EEA country, Switzerland or United Kingdom, you are responsible for the costs of your treatment. If you have travel insurance, you can contact your insurance company for any compensation.