Health Insurance in Finland

Finland's health insurance system is known for its high quality and comprehensive coverage. As an expat or digital nomad moving to or living in Finland, understanding the local health insurance landscape is crucial for ensuring you have the necessary medical coverage during your stay.

Health Insurance Companies in Finland

In Finland, the most popular health insurers are often tied to the country's social security system, known as Kela. Expats who are residents and work in Finland typically contribute to this system and can access public healthcare services. Private health insurance companies also operate in Finland, offering additional coverage options. Expats are eligible to purchase health insurance from these companies, which can include providers like If, Pohjola Insurance, and LähiTapiola. These insurers offer various plans that can complement the public healthcare system, providing more choice and often quicker access to services.

Expat Health Insurance in Finland

Some expats living in Finland opt for specialized expat health insurance plans. These plans can offer more comprehensive coverage, including medical treatment in private hospitals, repatriation services, and coverage while traveling outside of Finland. Expats may choose these plans if they prefer the flexibility and additional benefits that may not be covered by the local health insurance system or if they are not eligible for coverage under Kela due to their residency status or the nature of their stay in Finland.

Local Health Insurance vs. Expat Health Insurance

Expats and digital nomads in Finland typically have to decide between using local health insurance providers or specialized expat health insurance providers. The choice often depends on the individual's circumstances, such as the length of their stay, their employment status, and their healthcare needs. Those who plan to live in Finland long-term and integrate into the local system may find it more beneficial to use local health insurance, while those on short-term stays or who require more flexible coverage may prefer expat health insurance.

Considerations for Health Insurance Abroad

When deciding on health insurance while living overseas, several factors should be considered. It's important to understand whether the insurer pays the hospital directly or if you need to pay upfront and submit claims for reimbursement. The waiting period for reimbursement, coverage limits, and whether the policy includes international treatment or evacuation are also crucial considerations. Additionally, expats should assess the ease of accessing healthcare services, the quality of care provided, and any language barriers that may exist with local healthcare providers.