Not all consequences of medical treatment and health care are compensated for, only the bodily injuries that fulfil the conditions prescribed in the Patient Injuries Act. Consequently, the following will not be compensated:

  • Injuries that have occurred outside the geographical area of Finland are not compensable, even if the patient was referred for treatment in Finland.
  • Material damage, such as torn clothing or the loss of dentures. In these instances the claimant may claim damages from the tortfeasor under the Tort Liability Act.
  • So called pure financial loss. This refers to financial loss that is not connected to bodily injury or material damage.
  • Injuries that occurred before 1 May 1987.
  • Injuries occurring during ordinary assistance services (for example, domestic help) are not regarded as medical treatment and health care. Likewise, treatment and assistance and monitoring services connected to living in a residential care home are not covered by patient insurance.
  • Insignificant injuries, even if they qualify for compensation on other grounds. An injury is considered to be insignificant if it causes the patient only slight pain and suffering, no permanent functional disability, no aesthetic injury, or the costs incurred do not exceed EUR 200 (as of September 2003).