Medical bill

Where to buy? Where can I find? How do I? Getting started.
Post Reply
Posts: 4
Joined: Fri Nov 21, 2003 3:45 pm

Medical bill

Post by nmjestla » Fri Nov 21, 2003 4:32 pm

Hello All,

I am from India. I have been in Finland for the last one year now. I am working as a scientist at the Finnish Govt Research Institute, Joensuu. I will be here at least until the end of Dec 2005.

I happened to consult an ENT specialist and he recommened me to visit the central hospital as an in-patient and hence I stayed at the hospital for 2 days after I got the "invitation" from the hospital. As per the invitation letter, I was supposed to be charged 26 Euros per day. A week after I got the treatment, I got a bill for 760 Euros. According to some, since I am entitled to KELA services (My wife and I have a yearly renewable KELA card) and since I have been paying my monthly taxes, I should not have been charged this huge amount, I should have been charged the minimal daily rate as indicated in the invitation letter. However, the hospital accounts officer feels that I have to pay the higher charges, not just the minimal daily rates.

Can anybody please tell me how this system works here? As there is very little info in English, I have been at a loss to understand the system. :(

Medical bill


Finland Forum Ad-O-Matic


Post by BAT » Fri Nov 21, 2003 5:14 pm

Hi, I wish I could help, but I too am not sure of all the details. If you have received the bill, are you now supposed to fill out a claim and mail everything to the KELA office? I think you can get a large amount covered by the government, but will have to still pay for some of the treatment costs. Can anyone tell us if this is correct?

As I am sure you know, if you don't speak Finnish it can be hard to manage at KELA. :D I have some family in Joensuu who I can ask to go to the KELA office with you to get things sorted out if necessary. Hopefully someone will reply to this thread with more accurate info., but if you need someone personal help in Joensuu, just pm me and I'll get you in touch with my brother-in-law.


Post by gavin » Fri Nov 21, 2003 5:25 pm


I experienced a similar thing with a dental bill.

I filled a KELA form (which they gave me at the dentist) (sorry, I really can't recall the form code) and I got most of the money back.

I just had to pay the basic fees myself, and it sounds like you're in the same situation.

Could you contact the hospital, and ask them if they can give you the KELA forms to claim the money back? Otherwise, check with KELA.

Sorry I cant be of more help, but I think there is a good chance that even if you have to pay the full ammount initially, that you will at least get most of it back.

Good luck.


Posts: 4144
Joined: Sun Nov 10, 2002 10:00 pm

Post by PeterF » Fri Nov 21, 2003 5:57 pm

The normal proceedure is that you pay the bill at the hospital kasa (it is usualy well sign posted). They will clip the receipt to a kela claim form which you need to fill in.
Remeber to ask them for "the Kela form with your receipt.

It íncludes a place for your bank account details your kela number and some personal details (address etc).

You then either post or take the form to kela office where you live.
I suggest as it is first time ...take the form in , if you post it and there is something not filled to their liking they will just send it back and say "fill it in again."
If possible take a Finnish speaker with you Kela staff do not always speak good English.
After they have accepted the form they then send it for processing/payment.
The time before the amount owed to you arrives in your bank is between 10 and 20 days.
They can tell you when you hand the form in how much you will get back.

In your case it could be the full amount you paid less two days at 26€.

User avatar
Posts: 99
Joined: Fri Sep 05, 2003 9:51 am
Location: Helsinki moving to Australia

Post by tiinajk » Fri Nov 21, 2003 9:53 pm

I'm Australian and only ever get the bill for the €26 per day for stays in hospital. I have occasionally had some other problems with bills and have found that simply calling the hospital (usually find a phone number somewhere on the bill.) and asking them for clarification, I have had bills cancled on the spot or a new bill sent out.

I recomend calling the hospital in question or visiting there if you don't want to handle it over the phone. Have/take your KELA card with you as it may be something as simple as their computer details being incorrect.

I hope this helps... Can't be sure though, it's only a suggestion...


Posts: 4144
Joined: Sun Nov 10, 2002 10:00 pm

Post by PeterF » Sat Nov 22, 2003 9:31 am

tiinajk wrote:I'm Australian and only ever get the bill for the €26 per day for stays in hospital. Tiina
Whether the hospital/doctor/dentist require you to pay them in full and claim back from kela or whether they will just charge you the 26 € basic fee and they themsleves make the claim for the balance from kela is their local decision, and usualy dependent on how well organised their own accounting system is.
My own dentist who is situated in a very small town (Vehti) and only charges me the basic fee, but I sign a kela form which she sends in to claim the balance. She probably sends 50 a week and they get processed in a flash.
However, when I had some minor eye surgery in an Helsinki surgery the proceedure was as I previously explained. Pay then claim from kela and wait 10 days for the money back.

Posts: 4
Joined: Fri Nov 21, 2003 3:45 pm

Thanks to all of you

Post by nmjestla » Sat Nov 22, 2003 12:55 pm

Hello again,

Thanks to all of you for responding so promptly to my message. So it looks like it is a procedural detail. Anyway, I will discuss with our local KELA branch as some of you have suggested. I hope things will workout alright.

It is really nice to know that a support system such as . exists for the benefit of the foreigners in Finland.

By the way, is there any need to have a health insurance purchased as in the US? The organization I work for has a group policy with MEDIVRE and as such I do not have to pay anything if I were to consult a physician. This policy covers me. I do not yet clearly know how are the dependants taken care of? By KELA or KELA+some insurance policy? I would really appreciate it if somebody could throw some light on these issues for the benefit of new comers like me. Is there any practical (not the vague or general) info available on the net in ENGLISH?

Thanks for lending me your ears.

Posts: 4144
Joined: Sun Nov 10, 2002 10:00 pm

Re: Thanks to all of you

Post by PeterF » Sat Nov 22, 2003 2:08 pm

nmjestla wrote:, I will discuss with our local KELA branch as some of you have suggested.

By the way, is there any need to have a health insurance purchased as in the US? The organization I work for has a group policy with MEDIVRE
I am fairly sure that Kela will just ask you to produce a receipt for the cost and to fill in their form.

The reason is that the Hospital is funded by the local city, and the health care /kela is a National/State fund.
You pay the 26€/day to the hospital the Kela/State pays the balance 708€.
The hospital wants the full 708+ 2 x 26 from somewhere and you is their first choice/right.
Where you get the money from is not their concern but they will help you claim from Kela or ..An insurance company....If you have a private insurance it then depends on the policy and the hospital.
With some you still have to pay and then claim back from the insurance company with others the hospital sorts out the payment direct with the insurance company.
Sorry I do not know how good MEDIVRE is, have you asked any of your colleague at work for their opinion and/or advice from their experience or ask your personell officer. Here is their www in English

User avatar
Posts: 304
Joined: Wed Sep 10, 2003 9:26 am

Post by Mai » Sun Nov 23, 2003 8:05 am

Hi! If your work place has group policy with Medivire or another doctorservice, check the messageboard of your workplace. There should be note with telephonenumbers to for booking appointments. If you need to go to doctor, you call to number on that note and tell them you work for company blahblah which has contract with them and book the time. Bill goes straight to company and you don't have to pay/claim back anything. These 'workdoctors' handle basic healthcare situations like when you get sick etc. If you are in need for doctor it's good idea to call there and ask if your situation is covered by workhealthcare, because when it is you pay nothing yourself. Service is often better than in public healthcare unit since these are private clinics. They do not cover things like gynegologhical check ups or prescripting a contraceptives.

For the huge bill you got from hospital, usually if you show your Kela card beforehand they bill you for the lower fee straight away and claim rest from Kela. Same goes in pharmacy when buying medicine, have you Kela card handy and you pay for lower amount of money and don't need to claim any money back afterwards.

Post Reply