Expatriate Insurance for Finland

Which sicknesses are covered?

Which sicknesses are covered by the Expatriate Insurance?

The insurance covers medical expenses arising from sickness during a journey. Sickness during a journey refers to sickness which has occurred during the assignment and which requires immediate medical treatment.

Applying for compensation for medical expenses

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 of 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.

If the insurance card is not accepted by the hospital or phycisian

Pay for the expenses yourself and file a claim afterwards on our websites. If the case involves expensive treatment, ask the physician to send us a medical certificate, a treatment proposal and a cost estimate. Only after having received these can we give a written payment guarantee. 

Insurance during the holiday

This insurance is also in force during holidays and leisure-time journeys if the assignment contract and the Expatriate Insurance are in force.

Travelling to home country for treatment

Basically we will compensate treatment at the place of assignment. A journey to the nearest country where it is possible to receive treatment can be indemnified only if such a journey is necessary for medical reasons. In these cases a medical certificate must be sent to us. Compensability is always solved on a case by case basis.

When young child has to travel for treatment

 The insurance covers the travel expenses of one accompanying person when a child cannot travel alone and treatment in another place is medically justified. 

Expences to the funeral of a close relative

We will pay for tourist-class tickets to the place of funeral. The insurance does not cover accommodation costs or travel expenses arising in the home country. Please contact us to check who are considered close relatives according to the terms and conditions.

Attach the tickets and related purchase receipts to your claim, as well as an account of the family connection (for example, an extract from the population register or a copy of it) and of the death.

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

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.