Types of compensation payable

Patient Insurance will only cover the extra costs and losses incurred by the patient injury. Costs and losses that would have been incurred regardless of the patient injury are not covered by the insurance. Consequently, compensation cannot be awarded for medical expenses incurred by the original treatment or examination of the patient's illness or injury. Therefore, when assessing the amount of compensation payable, the costs and financial losses due to the pre-existing illness or injury and those incurred by the patient injury must always be separated.

Compensation payable under Patient Insurance is determined by applying the provisions contained in the Tort Liability Act and the guidelines issued by the Traffic Accident Board. The decision policy of the Patient Injuries Board will also be taken into account in the compensation. As a rule, costs and losses arising from the injury will be compensated for in full. However, the injured party is also expected to prevent any subsequent loss whenever possible. The costs incurred must be necessary with regard to the treatment of patient injuries.

Further information on compensation criteria is available on the website of the Traffic Accident Board (in Finnish and Swedish).

Patient insurance is 'secondary' to most of the other statutory insurances and benefits. The patient will therefore receive compensation only for that part of the costs and losses due to the patient injury that is not covered by other statutory benefits and insurance provisions.