It is possible to take out a patient insurance either at your insurance company or the Finnish Patient Insurance Centre.

The following groups can take out the insurance at an insurance company:

  • Self-employed professionals
  • Company or organisation (limited companies, general and limited partnerships etc.)
  • Group insurance schemes available through unions (such as the Finnish Medical Association, Finnish Dental Association, Union of Health and Social Care Professionals, Union of Denturists in Finland, Finnish Association of Speech Therapists, Finnish Psychological Association, SuPer etc.) and other such organisations

For example, if a private physician, physiotherapist or other healthcare professional provides their services under a company name, the insurance must also be taken out in the company's name.

Ask your own union, if patient insurance taken out in the name of trade union covers services provided through companies.

The following groups can take out the insurance at the Finnish Patient Insurance Centre:

  • Hospital districts
  • Government agencies
  • Ålands hälso- och sjukvård (Åland Islands healthcare services)

Health care provided in institutions owned and run by municipalities and joint municipal authorities (healthcare centres, fire and rescue services and care homes for the elderly and healthcare colleges, etc.) falls under insurance taken out by the local hospital district.

Health care services provided through an enterprise owned by a municipality or a joint municipal authority as well as those outsourced from a private service provider do not fall under public sector patient insurance.

The same also applies to healthcare services provided through an enterprise owned by the state or obtained through a private service provider.

Individuals who have been declined insurance by an insurance company may take out the insurance at the Finnish Patient Insurance Centre.

For further information see section Patient insurance provided by the Finnish Patient Insurance Centre.

10.01.2017