Do I need Health Insurance When Moving to Finland?

When to Finland as an expat or digital nomad, you may be wondering if you need health insurance upon arrival. Finland does have a public system, but to obtain residency, non-EU/EEA citizens must provide proof of adequate health insurance coverage for their initial period of stay. This insurance should cover medical expenses up to a minimum of EUR 120,000 and be valid for the entire duration of your intended stay. It should also include coverage for sudden illness and accident, as well as repatriation in case of severe illness or death. EU/EEA citizens can use their European Health Insurance Card (EHIC) to access necessary healthcare services in Finland.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance can meet the requirements for obtaining a residence permit in Finland, given that it covers the minimum requirements mentioned above. The insurance policy should be valid for the entire duration of your intended stay in Finland. It is crucial to ensure that the insurance plan covers sudden illness, accident, and repatriation. Some expat health insurance providers may offer tailored plans that meet Finland's visa and residence permit requirements.

Which local health insurers offer this type of insurance?

Several local health insurers in Finland offer insurance plans that meet the requirements for expats and digital nomads seeking residency. Some of the prominent local health insurers include IF, Pohjola, and LocalTapiola. These insurance companies provide various health insurance plans that cater to different needs and budgets. You can visit their official websites or contact their customer service to explore the available options and find a suitable plan that meets the residence permit requirements.

Advice from Expats in Finland about Health Insurance

Expats in Finland advise newcomers to carefully review their health insurance options before making a decision. It is essential to ensure that the chosen insurance plan covers the minimum requirements for obtaining a residence permit. Additionally, expats recommend considering factors such as deductibles, co-payments, and coverage limits when comparing insurance plans. It is also a good idea to look for insurance plans that offer coverage for medical evacuation and repatriation, as these can be crucial in case of emergencies. Moreover, expats suggest considering insurance plans that provide coverage for pre-existing conditions, if applicable. By thoroughly evaluating the available options, newcomers can find a suitable health insurance plan that meets their needs and provides adequate coverage during their stay in Finland.