Patient Insurance covers bodily injuries caused by prescription pharmaceuticals if these drugs were delivered by the pharmacist contrary to the prescription or regulations governing the delivery of pharmaceuticals. In the most common cases, the pharmaceutical delivered or the dosage or user instructions differ from what was originally prescribed.

This provision refers to the incorrect delivery of prescription pharmaceuticals from the pharmacist. In other cases injuries related pharmaceuticals being administered to the patient in conjunction with an examination or treatment are processed under the section on dealing with treatment injuries. In this case, compensation under patient insurance requires that the mistake was made in prescribing or dosing the medicine, judged against the standards of an experienced medical professional.

Side effects from pharmaceuticals which were appropriately prescribed and dosed are not compensated for under Patient Insurance. Such consequences may be compensable under voluntary Pharmaceutical Injuries Insurance provided by Finnish Mutual Insurance Company for Pharmaceutical Injury Indemnities.