24
S t a t e Regu l a t i on s and I n s u r an ce s
all customer service lines are busy, the recorded
message played to you will also be in Swedish.
Kela card, European Health Insurance Card,
phone: +358 (0) 20 692 223 (To place an order
for a personal Kela Card or European Health
Insurance Card)
Moving to or from Finland, phone: +358 (0) 20
634 0200 (Social security when moving to or from
Finland and in other international situations)
Health Insurance
Students (and in some cases unpaid trainees)
who intend to stay in Finland for more than three
months need to take out private health insurance
prior to applying for a residence permit. Please
note that this does not apply to EU-citizens, or
citizens from Norway, Iceland, Switzerland and
Liechtenstein.
The Health Insurance must:
.
Be valid throughout the stay in Finland
.
Cover medical expenses up to 100,000
euros
.
Be issued by a trustworthy and financially
sound company
Note that a valid insurance is a prerequisite for
a residence permit. If your stay is at least two
years, it is sufficient that the insurance policy
covers pharmaceutical costs (up to 30,000 Euros).
The above mentioned health insurance is not
necessarily available in all countries. In that case
an international insurance company should be
consulted.
MARSH Student Insurance Program (SIP)
SIP is a special insurance package covering
people residing abroad on a temporary basis.
SIP has been specially designed for students,
scientists, members of educational staff and
accompanying family members (husband, wife, or
children).
Åbo Akademi University has partnered with the
Student Insurance Program (SIP) provider MARSH
and we recommend this insurance package to
exchange students from outside the EU/EEA area.
The insurance can also be bought by EU students
if they wish to have private health insurance
during their stay in Finland. This insurance has
been pre-approved by the Finnish Immigration
Service. This pre-approval will result in a quicker
decision on your application for a residence
permit. For more detailed information about
the type of coverage you will need and its cost,
please see the insurance provider's website:
. Please note that any
communication or questions about this insurance
should be directed to the insurance provider.
The SIP policy is valid worldwide. The price of the
insurance is 1.17/0.70? per day (2013).
Finnish National Health Insurance
If you are covered by the Finnish social security
system you are entitled to Finnish National Health
Insurance benefits. Some of the expenses covered
are:
.
A share of private doctors' fees
.
A share of the costs for examinations and
treatments prescribed by a private doctor
.
A share of fees of private dentists and the
costs of examinations prescribed by them
.
A share of your medical costs
.
A share of your i l lness - re l ated
transportation costs
To qualify for reimbursement, the treatment
provided must be medically necessary due to
illness, pregnancy or childbirth. The National
Health Insurance scheme also provides Sickness
Allowances (compensation for loss of income
during incapacity for work) and Partial Sickness
Allowances.
Insurances for employees at Åbo Akademi Univer-
sity
Accident Insurance
Compensation in the event of accidents at work
and occupational diseases of employees are
paid by the insurance company
If
. For further
information, see:
You can also contact
Collective Life Insurance
In the event of the death of an employee,
his/her relatives can get economic support
corresponding to the collective life insurance
of the employees. For further information, see:
. You can
also contact
