Fennia (Visit website, opens in a new tab)
Mutual insurer with health and accident cover.
Also offers
Finland
Public systemHow health coverage works
In Finland, basic health cover is provided by the public system.
Finland provides public healthcare through municipalities, with the Kela national insurance covering part of private care costs. Private insurance shortens waiting times.
Basic coverage is provided by the public system. Kela
Private health insurance
If P&C Insurance (Visit website, opens in a new tab)
Insurer offering private health insurance.
Also offers
LocalTapiola (Visit website, opens in a new tab)
Insurer with private health insurance for adults and children.
Also offers
OP Pohjola (Visit website, opens in a new tab)
Large financial group offering private health and accident insurance.
Also offers
Key facts
| Official source | Kela |
|---|---|
| Insurers listed | Fennia, If P&C Insurance, LocalTapiola, OP Pohjola |
| Last reviewed |
Frequently asked questions
How does health insurance work in Finland?
Finland provides public healthcare through municipalities, with the Kela national insurance covering part of private care costs. Private insurance shortens waiting times.
Is private health insurance mandatory in Finland?
No. In Finland, basic cover comes from the public system. Private health insurance is optional and usually complements it.
Which health insurers can I look at in Finland?
Well-known insurers listed for Finland, in alphabetical order: Fennia, If P&C Insurance, LocalTapiola, OP Pohjola. This is not a ranking or a recommendation.
Where can I find official information on health cover in Finland?
Kela: https://www.kela.fi/web