Oulu, Finland



Understanding the Health System in Finland

By Joshua Wood, LPC

BlueCross BlueShield Global Solutions
BlueCross BlueShield Global Solutions

Summary: Familiarize yourself with the health system in Finland. Understand its usage options and constraints for those who choose to move to and reside there, including expats, digital nomads, and retirees.

Are you considering an international move to Finland? This Nordic country is renowned for its stunning landscapes, excellent quality of life, and unique culture. But what are the pros and cons of living in Finland? Let's delve into the details to help you make an informed decision.

Pros of Living in Finland

Finland, a land of breathtaking natural beauty and progressive society, offers numerous advantages to those who choose to call it home.

High Quality of Life: Finland consistently ranks high in quality of life indices. The country offers a superb work-life balance, with employees enjoying generous holiday allowances and family leave policies. Finns value their free time and outdoor activities, with many indulging in hobbies like ice swimming, sauna, and berry picking. For instance, in the summer, it's common to see cities empty out as locals retreat to their summer cottages to enjoy the midnight sun and relax in nature.

Excellent Education System: Finland's education system is world-renowned. It's free at all levels, from primary school to university. The teaching methods focus on holistic development, and the lack of standardized testing creates a low-stress learning environment. Additionally, schools provide a hot meal daily, ensuring students are well-fed and ready to learn.

Robust Social Welfare: Finland's social welfare system is comprehensive. It includes affordable healthcare, generous parental leave, and subsidized childcare. The system is designed to support all residents, contributing to a sense of security and community. For example, new parents receive a 'baby box' filled with essential items or a cash grant to help them start their parenthood journey.

Stunning Nature: Finland's natural beauty is a significant draw. With vast forests, pristine lakes, and the magical Northern Lights, nature lovers will feel right at home. The country's commitment to environmental sustainability ensures these natural wonders are protected. A unique aspect is the 'Everyman's Right' (Jokamiehenoikeus), which allows everyone to roam freely in nature, pick berries, and mushrooms, even on private property, fostering a deep connection with the outdoors.

Safe and Secure: Finland is one of the safest countries in the world. Crime rates are low, and trust in the police is high. This sense of security extends to everyday life, with parents often leaving prams with sleeping babies outside cafes, a practice known as 'baby napping.'

Innovative and Tech-Savvy: Finland is a hub for innovation and technology. It's the birthplace of successful tech companies like Nokia and popular game apps like Angry Birds. The country's focus on research and development creates ample opportunities for tech enthusiasts.

Cons of Living in Finland

While Finland has many appealing aspects, it also presents challenges that potential residents should consider.

Harsh Weather Conditions: Finland's climate can be harsh, with long, dark winters and temperatures dropping as low as -30°C. The lack of sunlight during winter can lead to Seasonal Affective Disorder (SAD), a type of depression that's common in Nordic countries. On the flip side, summers can be surprisingly warm, but the long days and short nights may take some getting used to.

Language Barrier: Finnish is notoriously difficult to learn. While many Finns speak excellent English, especially in urban areas, integrating fully into society can be challenging without knowledge of the local language. Even learning the basics can be a struggle due to the language's complex grammar and unique vocabulary.

High Taxes and Cost of Living: Finland's robust social welfare system comes at a cost - high taxes. Both income tax and value-added tax (VAT) are steep, which can be a shock for those relocating from lower-tax countries. Additionally, the is high, with expenses like eating out, housing, and alcohol being particularly pricey. For instance, a pint of beer in a restaurant can cost around 7-10 euros.

Reserved Culture: Finns are known for their reserved nature. They value privacy and personal space, which can make it difficult for newcomers to form social connections. Small talk is not common, and Finns prefer deep, meaningful conversations. This cultural aspect can lead to feelings of isolation among expats, especially during the initial stages of their move.

Limited Job Market: The job market in Finland can be challenging for foreigners. While certain sectors, like tech and healthcare, actively recruit internationally, other fields may be harder to break into. The language barrier can also limit job opportunities. Networking is crucial in Finland, with many jobs filled through personal connections.

Bureaucracy: Finland has a reputation for being bureaucratic. Dealing with official processes, such as registering your residence or applying for a personal ID code, can be time-consuming and confusing. The language barrier can exacerbate these challenges, as official documents are often in Finnish or Swedish.

Finland is a unique country with much to offer, from its stunning natural beauty to its progressive society. However, it also presents challenges, including harsh weather, a reserved culture, and a high cost of living. By weighing these pros and cons, you can make a more informed decision about whether Finland is the right fit for you.

Insider Tips from Expats in Finland: How to Navigate the Health System

"Finland offers a comprehensive range of services, including primary care, specialist care, hospital care, mental health services, and public health services. The public healthcare system in Finland is of high quality and is funded by taxes. All Finnish citizens and permanent residents are entitled to use the public healthcare system, and foreign residents are also eligible to use the system, provided they have a valid residence permit. Expats in Finland can use the public healthcare system by registering with a local health center and obtaining a Kela card, which is a personal health insurance card. The Kela card allows expats to access public healthcare services, including doctor visits, hospital care, and prescription medications," commented one member living in Finland.

"In Finland, emergency services are highly efficient and reliable. In the event of an emergency, the best way to call for an ambulance is to dial 112, the national emergency number. This number is free of charge and can be dialed from any phone, including mobile phones. The operator will ask for the caller's location and the nature of the emergency, and will then dispatch the appropriate emergency services," commented one member living in Finland.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.


BlueCross BlueShield Global Solutions
BlueCross BlueShield Global Solutions

BlueCross BlueShield Global Solutions
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SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

BlueCross BlueShield Global Solutions
BlueCross BlueShield Global Solutions

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