Do I need Health Insurance When Moving to Finland?

Moving to Finland as an expat or digital nomad comes with the excitement of experiencing a new culture, breathtaking nature, and a high quality of life. However, it's crucial to understand the health insurance requirements for newcomers seeking residency. Finland has a comprehensive public healthcare system, but before you can access it, you must have proper health insurance coverage. The Finnish government requires that your insurance covers medical expenses up to a certain minimum amount, which varies depending on the length of your stay. For stays less than one year, the minimum coverage amount is €100,000, while for longer stays, the coverage must be at least €30,000. This insurance is essential as it covers you during the period before you obtain residency or are enrolled in the public healthcare system.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance policies are designed to meet the needs of individuals living abroad temporarily. To satisfy Finnish immigration requirements, your expat health insurance must cover medical expenses for the entire duration of your stay. It's important to ensure that the policy you choose meets the minimum coverage amounts set by the Finnish government. Most reputable international insurance providers offer plans that are tailored to meet these standards. However, it's advisable to carefully review the terms and conditions of your policy to ensure compliance with Finnish regulations.

Which local health insurers offer this type of insurance?

In Finland, several local health insurers offer insurance plans suitable for expats and digital nomads. These insurers provide various options that cater to different needs and budgets. Some of the well-known insurance companies in Finland include If Insurance, Pohjola Insurance, and Fennia. These companies offer comprehensive health insurance plans that are compatible with the requirements for obtaining residency. They also provide customer service in English, which can be very helpful for expats who are not yet fluent in Finnish or Swedish, the two official languages of Finland.

Advice from Expats in Finland about Health Insurance

Expats living in Finland advise newcomers to thoroughly research and compare different health insurance plans before making a decision. It's important to look for a plan that not only meets the minimum legal requirements but also suits your personal health needs. Consider factors such as coverage for pre-existing conditions, the process for filing claims, and whether the plan includes repatriation or emergency evacuation. Additionally, expats recommend reading the fine print to understand the policy's limitations and exclusions. Choosing a reputable insurer with a track record of prompt and fair handling of claims can save you from potential headaches in the future. Lastly, ensure that you have all necessary insurance documents in order before arriving in Finland to facilitate a smooth transition to your new life.