The fund reimburses

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The Fund reimburses:

  • Doctor’s fee 100% 
    • excluding dentists’ fees and fees charged for surgical operations or procedures comparable to these
  • Medicines, clinical nutritive preparations and comparable products, and basic creams prescribed by a doctor 100% (Kela-reimbursd)
    • In addition, medical costs included in the initial excess are reimbursed, even though the member has not received reimbursement for them on the basis of the Health Insurance Act.             
  • Examinations prescriped by a doctor  (Kela-reimbursed):
    • Laboratory tests and pathological examinations 100%
    • Radiological examinations 100%
    • MRI           70%  (of the sum exceeding the statutory compensation)
  • Hospital fees  100%
    • The basic fee for institutional care, hospital outpatient charges and outpatient surgery
  • Health center fees 100%
    • Annual and appointment fees
  • Physiotherapy 70%
    • 20 treatment sessions/year
  • Massage or naprapathic, osteopathic, chiropractic or podiatric treatments 70%   (prescribed by doctor))
    • 20 treatment sessions/year

  A retired member is reimbursed 50% with the same abovementioned conditions.

  • Psychotherapy 100%    (Kela reimbursed)
    • The excess of the psychotherapysession which are reimbursed on the basis of the Health Insurance Act
  • Travel expenses 100%    (Kela reimbursed)
    • the nearest medical establishment with the least expensive means of transportation. Travel expenses arising from special transport will be reimbursed if the use of such transport is necessary due to the nature of the illness or traffic conditions and reimbursable according to the Health Insurance Act. The need for special transport must be proven with a medical certificate granted by a doctor or hospital.  https://www.kela.fi/web/en/transport-by-taxi
  • Accommodation expenses 100%    (Kela-reimbursed)
    •  only according to the accommodation allowance stipulated in the Health Insurance Act, if a member has had to spend the night at an accommodation establishment or at an establishment organized for patients of research facilities or medical establishments during a reimbursable trip
  • A facility fee charged by a private medical center, max 100 euros/reimbursed instance
    • Office fees are NOT reimbursed.
  • Bandages, appliances and prosthetic devices max 170 euros/reimbursed instance
    • Prescribed by a doctor 
  • Burial assistance to the member’s close relatives 1010 euros

After a one-year membership:

  • Dental care expenses 450 euros every two years.
    • A member must pay the entire cost of the denture, whereafter the member is entitled to seek reimbursement from the Sickness Fund

   A retired member is reimbursed EUR 225 every two years.

  • Eyeglasses, contact lenses or refractive error correction surgery 450 euros eery two years.
    • A member must pay the entire cost of the eyeglasses, contact lenses or refractive error correction surgery, whereafter the member is entitled to seek reimbursement from the Sickness Fund

   A retired member is reimbursed EUR 225 every two years.

  • Opticians eye test 100%

After a five-year membership:

  • Denture or for expenses related to its repair 550 euros every five years.
    • A member must pay the entire cost of the denture, whereafter the member is entitled to seek reimbursement from the Sickness Fund

According to the Fund’s rules, reimbursable examinations and treatment procedures must be provided by a health care professional who is registered in the Central Register of Health Care Professionals maintained by the Finnish National Authority for Medicolegal Affairs, or the procedures and treatments must be performed at such a unit providing private health care services as referred to in Chapter 3 Section 3 Paragraph 1 of the Health Insurance Act.                                   


Office fees charged by a private medical center or institution are NOT reimbursed.


The Sickness Fund has signed a direct compensation agreement with:

  • pharmacies in Vaasa and its nearby region, Yliopiston Apteekki pharmacies (detailed list on the Fund’s website)
  • Mehiläinen throughout Finland
  • Terveystalo, throughout Finland
  • SynLab, throughout Finland

These abovementioned places will provide, free of charge, such medicines that are prescribed by a doctor and are reimbursed by KELA, treatments and examinations prescribed by a doctor, and doctors’ fees. Always present your KELA-card when visiting these places.

If you do not present your KELA-card, you must pay the entirety of the fees yourself. The service providers are NOT ALLOWED to deduct the KELA-reimbursement.

More information: General guidelines 01_2019