Healthcare in Finland: Hospitals and Health Insurance | Healthsoul

The rise in inflation around the world impacted the health sector and individuals suffer from alleviation in medical expenses. Finnish people opt for health insurance to keep their financial budget in order and to avoid the load on their wallets. presented a review of strong health insurance companies functioning in Finland. 

The customer opinions on portray that varied insurance companies make their policies attractive among people using additional features. AIG allows Finns to benefit from illness hedge under the health insurance program and has numerous satisfied customers around the globe. This insurance company has a good reputation among people because it pays claims timely without stretching the process.

The necessity of health insurance

The healthcare facilities are not free in Finland for the public but governmental hospitals provide services at reasonable rates. Finland maintains a balanced approached in the health domain and all people get effective and efficient health facilities without any discrimination. People voluntarily choose health insurance to receive adequate medical care to bear the monetary impacts of bad health. 

Frequent visits to the hospital increase medical expenses and make people worry. Moreover, the companies offer additional support services like safety-net. However, Finnish residents enjoy the Kela card that is issued by the government which is a health protection card, and when an individual shows the card at medical clinics and pharmacies they instantly get compensation for the incurred expense.

Health support coverage

The misconception associated with the health insurance policy is that the insurer will pay the whole incurred medical expense which is wrong. The contract between the receiver and the insurer clearly defines the condition under which the company will pay the money and the whole payback is not the case in any instance. Health insurance covers doctor consultation fees, critical illness, medical tests, newborn and maternity cases, rehabilitation, and preventive services.

Private health coverage

The adoption of a private health coverage policy allows Finns to get more immediate access to health facilities and more comprehensive choices. The private insurance policy compensates for fees expended by patients to special doctors, the payment for commanded medicines, and the traveling expense that originated from the treatment of illness. Finns can obtain partial recompense for individual healthcare assistance and purchase of medicines for outpatients by the required NHI (National Health Insurance) system. It is a good option to avail because under the government health scheme people have to wait and are granted limited treatment options.

Health insurance for non-residents

Non-residents need to adopt health insurance plans, though the government fulfills the basic health plans of all people who live in Finland even if they are foreigners. However, the government does not insure insurance to reimburse the expenses of short-term tourists and visitors. Students from varied nations can also avail the comprehensive insurance policies based on their original country.


Finland is regarded as the best country which facilitates expats and residents in the healthcare sector, but private insurance companies are also operating in the country offering more wider and comprehensive services.