Insurance in Finland

Working abroad attracts Ukrainians with the opportunity to quickly improve their financial situation, save up for developing their own business, paying for education for children or buying real estate, a car. Scandinavian countries attract with high salaries and a wide choice of specialties for employment. Here it is possible to find permanent and seasonal work, to get a job on a rotational basis. If you are ready to go to work in Finland, take care of obtaining medical insurance. This is a guarantee of your peace of mind and confidence.

Top Frequently Asked Questions on the Topic “Health Insurance in Finland”

Thousands of Ukrainians find work in Finland every year, people come here in whole teams and families. Many are trying to find a permanent job, although one or two months of picking wild mushrooms and berries can significantly improve your financial situation. Shift work at shipyards and floating bases is popular. Each type of employment ideally requires medical policies with a different list of insurance cases. Obtaining insurance for a visa to Finland is guaranteed assistance in difficult situations related to health. What do Ukrainians most often encounter when traveling abroad? There are several pressing questions that should be answered before you start processing travel documents.

Is it necessary to buy insurance for a visa to Finland?

Medical insurance for opening a visa to Finland is a necessary condition, as for travel to other European countries. You will need the policy when applying to the Visa Center – for it, you will not be issued the documents necessary for employment. Take care of purchasing insurance in advance. It can be done at Visa Centers, but it is more expensive.

What are the consequences of the lack of health insurance for Ukrainians in Finland?

In European countries, services in medical institutions are provided on the basis of an insurance policy. Provision of medical care in case of injuries, illnesses and accidents, medicines are quite expensive. Due to the lack of medical insurance, a foreigner may be denied admission to a hospital. The worst thing that awaits a Ukrainian is deportation.

What types of insurance are there for work in Finland?

Two types of insurance are offered:

• compensatory – the insurance company reimburses the costs of treatment and repatriation to the home country;
• assistance (service) – provision of assistance at the expense of the insurance company.

The second type is more convenient and in demand. In case of applying to assistance, the company fully covers all expenses related to a certain insurance event.

Basic policy: what services are included?

The minimum list of services included in the policy for opening a visa to Finland includes:

• calling and providing an ambulance;
• transporting the patient to the clinic;
• specialist consultations and outpatient treatment;
• placement in a hospital and treatment;
• reimbursement of the cost of prescription drugs;
• repatriation of the body;
• compensation for expenses for telephone conversations with representatives of the insurance company and assistance;
• repatriation to the home country in the event of the death of the insured person.

What options should be added to the basic policy?

Add a clause about dental treatment. If you have experienced acute pain, this may be useful to you. The addition to the list of basic services is inexpensive, but tooth extraction and treatment are quite expensive.

What cases are not covered by insurance?

Compensation is not provided in the following cases:

• damage due to alcohol and drug intoxication;
• injuries resulting from illegal actions and self-harm;
• exacerbation of mental illnesses and injuries resulting from them;
• gynecological diseases not associated with acute pain;
• chronic diseases during their exacerbation;
• consequences of natural force majeure situations, epidemics, mass riots, military actions, radiation exposure

.Что влияет на окончательную стоимость медицинской страховки в Украине?

Стоимость полиса зависит от:
• суммы покрытия;
• сроков пребывания в Финляндии;
• дополнительных опций, отмеченных в документе, помимо базовых;
• возраст застрахованной особы;
• стоимость услуг компании-страховщика.

What else might be useful besides health insurance?

If desired, it is not necessary to limit yourself to medical insurance, but also to add additional points to the policy:

• protect against loss or theft of documents in a foreign country;
• ensure coverage of civil liability to third parties;
• compensate for the costs of legal services abroad, representation of interests in court.

The list is not complete; please contact your insurance company representative for any possible additions.

Features of insurance for travel on a work visa to Finland

The following requirements apply to policies in Finland and are mandatory for all insurance programs:

• The validity period of the insurance document must correspond to that indicated in the visa application form.
• The limit of monetary coverage cannot be less than 30,000 euros.
• The insurance must cover the entire period from the date of submission of the package of documents for obtaining a visa until the date of its expiration.
• The insurance must specify all force majeure cases – illnesses and accidents, repatriation for the provision of necessary medical care, treatment, or in the event of the death of a Ukrainian.
• Not only Finland, but also all Schengen countries must be included in the contract.

You shouldn’t treat insurance as a fiction for getting a visa. It is your protection, which will allow you to feel confident in a foreign country, a guarantee of receiving professional help in unpredictable circumstances.

How much does insurance cost in Finland. Where to buy a policy

Insurers offer several packages to choose from, which include:

• compensation for medical expenses;
• protection against accidents and incidents;
• financial liability for legal costs.

Insurance in Finland can be annual or one-time. The first option is advantageous to purchase if you work on a rotational basis or travel abroad several times for seasonal work. Prices for medical policies for obtaining a Finnish visa vary from 100 to a thousand hryvnia. Documents are ordered from Ukrainian companies accredited to provide insurance services, this can be done online. Before buying a policy, compare prices from different representatives. The cost can vary significantly. When you fill out the documents, you will receive a memo with the insurer’s details, assistance contact numbers in Finland, step-by-step instructions on how to act in an insured event, a list of medical institutions where you should seek help.

How a Ukrainian in Finland can use health insurance

To receive compensation, follow the instructions in the memo attached to the policy. Call the assistance service at the specified number before the start of treatment, state your last name, first name and patronymic, number, start and end dates of the policy, your contact phone number, city, and residential address. Try to describe the reason for the request as accurately as possible.
If it is not possible to contact the assistance service, and assistance is needed immediately, you will have to pay for medical services yourself with subsequent compensation. During treatment, collect all receipts, documents and certificates, which you will then provide to the insurance agent. In addition to phone calls, you can maintain contact with the insurer using SMS messages and email.