Which clinic or hospital should I go to?
We recommend you contact our assistance partner, who will advise you the nearest recommended clinic. The contact information for our partner is on the insurance card.
Should I pay at the clinic?
Unless you have contacted our assistance partner, you should pay for the costs for the examinations and treatment yourself. You will need to buy the medication from the pharmacy. You can show your insurance card at the clinic and they may be able to contact our assistance partner for billing.
If you have the European Health Insurance Card (EHIC) from your European home country’s authorities and you go to a public hospital in Europe, show the card at the hospital and you will get the treatment for the local price.
If you belong to the Finnish social security system (KELA) and visit a clinic in Finland, you should show the card, so that they can deduct the social security cover directly from the cost.
Only examinations and treatment prescribed by a physician and performed by a health care professional are compensated. Treatment must be necessary, based on medical evidence and in accordance with generally accepted medical knowledge, for the examination or treatment of the travel accident or illness in question.
You can claim for the costs from us
Can I get a guarantee of payment for my treatment?
In case you need more expensive treatment or hospitalization, contact our assistance partner, whose contact information you will find in your insurance card. They will assist you in finding a suitable clinic or hospital for you and arrange a guarantee of payment.
What to do if someone dies during a journey?
Always contact our 24/7 assistance partner – you will find the contact information in your insurance card.). They will activate their local partner to assist in all the practicalities, arrange a transportation for the deceased to the home country and advice you further.
For further claims, you should contact us directly. You will find some information about the required claim attachments.
Who should I contact?
In an emergency, contact the local emergency number. Once the situation is calm and you need further assistance, please contact us or check your insurance card for the contact information to our assistance partner.
If you have paid for the costs yourself, you can fill in a claim report.