Expat health insurance in Finland

If your residence permit is shorter than 12 months, private health insurance is usually required. For longer stays, you are generally expected to join Sweden’s public healthcare system once registered.

Non-EU students, some job seekers, and people not yet eligible for Kela must arrange private health insurance.

Kela is Finland’s public social security system. Public healthcare coverage starts only after Kela eligibility is confirmed.

Yes. You can sign up without a Finnish personal ID or Kela number.

No. Only certain permits (such as student permits) require private health insurance.

This insurance is intended as a temporary solution. Most people cancel it once Kela coverage begins, some do keep it as a private top up.

No. This is expat health insurance and does not replace Finland’s public healthcare system.

Yes, expat insurance will cover some dental treatment for new dental conditions requiring pain relief like simple fillings and cleanings. This treatment is covered for up to €500 per year Additional dental treatments like check-ups and teeth cleaning are not covered.

Yes, dependents can be added to your plan. Please note that each dependent will have to have their own policy purchased, but we can add them all under one account for ease of access. To add a dependent, simply: 1. Sign up for expat insurance for yourself first (or for the person you want to be the main policyholder) 2. Once you sign up, log into your Feather account and click on your expat policy. 3. Click 'add dependents', then add the dependent. 4. The basic policy price for dependents under 18 years of age is the same (72 euros).

Yes. For this expat health insurance, there is a 31-day waiting period with reduced coverage. Life-threatening medical conditions are still covered during this period.

In some cases, the waiting period can be waived. You can find more information about this in our FAQ or by speaking with our team. Please note that this insurance only covers new medical conditions that start after the policy has begun.