Which expenses are indemnified from health care insurance?
Health care insurance covers, among other things, annual check-ups e.g. an eye specialist or gynaecologist, dental care with certain restrictions, vaccinations, and visits to a maternity or child health clinic. Treatments and examinations carried out for cosmetic reasons, infertility treatments, contraceptives, medicines, vitamins, travel and other such expenses are not indemnified from health care insurance.
Applying compensation from the Finnish Social Insurance Institution
Do you need to apply for compensation for medical expenses under the Sickness Insurance Act from the Finnish Social Insurance Institution before claiming for indemnity from If as you are covered by the Finnish social security system?
No, you do not have to. If you apply for compensation from the Social Insurance Institution first, take copies of the receipts for us. Send them, and the account of the Social Insurance Institution of the compensation paid, to us in connection with your claim.
If you do not apply for the compensation yourself, sign a letter of authority which you will find in our claim form, or the claim for compensation and the letter or authority which you will find on the reverse side of Finnish medical invoices. In this way we can apply for the part covered by the sickness insurance for the expenses we have paid for you.
Dental care is indemnified with certain restrictions. Please contact us for further information.
Orthodontic treatment for children
The insurance covers the orthodontics for children under 18 years of age. Please contact us for further information on the limits of indemnity.
New eye glasses
Eye glasses are indemnified, with certain restrictions, when the eyesight has changed. Attach a certificate of the change in eyesight, such as an optician's statement, to the claim.
Expenses related to pregnancy surveillance
Health Care Insurance covers expenses related to pregnancy surveillance, both in the public and private sector.
Expenses from childbirth
Expenses which are necessary from a medical viewpoint are indemnified from Health Care Insurance. The insurance does not cover, for example, meals, phone calls or hospital care in a single room.
Payment guarantee for childbirth
Medically necessary expenses arising from childbirth are indemnified from Health Care Insurance. You can have a payment guarantee for such expenses in advance. Give us the contact information, and a possible cost estimate so that we can provide a payment guarantee. Also inform us of the due date.
Travelling home for childbirth
You can travel to your home country for childbirth. The travel costs of the mother and the newborn child in tourist class are indemnified.