**giving birth without KELA card please any idea**

[rinso]

actually i did not say private doctors are better than others.i said in the general way for every doctor.

Again, I you don't trust the Finnish system, why do you stay?
If things are so much better in your home country, why not go back , take a health insurance, get pregnant and have the baby there.
Your health is probably the most precious thing you have. Why risk it in a country with a low health care reputation?
What I can read from your situation, you don't have permanent bonds with Finland and probably will leave after some time.
So I don't understand the fuss about having the baby here.

[somon3]

my husband works here and my home is here. we settle here why would i go my country for giving birth? also i have to go there before 28 weeks because the airlines do not except pregnant women. this means that i have to at least 11weeks (3months) before. that does not make sense. while living in my house with my husband why do i chose going to leave my mother s house.

[rinso]

First we came (6 months ago) here my husband had 6 months contract and then now we have 1 year contract which will be valided until December 2011

That doesn't look permanent to me.

But your story is weird. First you want to know if you can have free maternal care without a kela card.
No quality issues raised. When that wasn't possible, you wanted an insurance.
And when you hear they don't exist your mistrust in Finnish doctors suddenly pops up.
Are you trying to convince us or yourself?

while living in my house with my husband why do i chose going to leave my mother s house.

Because the doctors are better over there?

[EP]

i have to go there before 28 weeks because the airlines do not except pregnant women

SOME airlines, from what I have heard most take pregnant women up to 36 weeks if there has been no complications. I know my daughter-in-law flew when she was 35 weeks pregnant, and all was fine. So that is just one month before giving birth. You could well go to your home country, let your mother pamper you for a couple of weeks, and give birth in a hospital where you trust the doctors and care. So airlines is not really a valid reason, and giving birth is an emotianal experience, so why not try to get the best experience.

[somon3]

ok. thank you but my countrys airline has strict rules. it is written in its policy pages i saw. there is no more optinons for me..

[EP]

Is there a country where only one airline flies?

[somon3]

no of course there are 4 airlines but so many connections. Also they are same policiy. Maybe FInnair can be a choice i am not sure i have to check.

[somon3]

actually 4 airlines without so many connections

[EP]

And I might add that 36 weeks is also the recommentadion of international aviation foundation (??? I am sure that my translation of "kansainvälinen ilmailuliitto" is wrong).

Finnair takes pregnant women on short flights as late as 38th week. But then you need a doctor´s permission.

[somon3]

thank you EP for informations i will search.

[somon3]

I searched but BUPA does not cover pregnancy and delivering issues. Is there any other companies? I can not belıeve that there is no prıvate companıes. If someone moves Fınland and does not have KELA what should he do if he gets sick and not enough money to pay so much money to prıvate cılınıcs? I can not belıeve that I am askıng these questıon. Health ıs the most ımportant thıng but I could not solve this problem.

[EP]

For example foreign students are required to have a valid health insurance.

[Rip]

I searched but BUPA does not cover pregnancy and delivering issues.

I do not say they are necessary the best option (I have no idea what is), but:

Childbirth and treatment in hospital

Level of cover: each membership year, up to £Sterling 6,500 €Euros 8,100 $US 11,050 - available once the mother has been a member for 10 months or more
At a glance: hospital charges, obstetricians’ and midwives’ fees for normal and complicated delivery

Right from the page I linked before:
http://www.bupa-intl.com/for-you/bwho/o ... -insurance
(separately also items "Medically essential Caesarian section" and "Newborn care")

[rinso]

If someone moves Fınland and does not have KELA what should he do if he gets sick and not enough money to pay so much money to prıvate cılınıcs?

The basic idea is that people don't move here without a good plan.
- As a tourist you can stay 3 months, but you (probably) still have your insurance at home (and a travel insurance).
- A foreign student is required to show a health insurance before he gets a RP. EU students still have their home insurance.
- And for EU citizens there are deals with their home countries.
- Non EU foreigners need a residence permit and then enter the (kela) system.
So in most cases the health insurance is covered.

But there are a few categories that fall outside these options. Researchers being one of them. They can stay longer than 3 months without the fuss of the RP procedure. But they expect researchers to have insurance in their home country.

[emimi]

I personally know 2 people who've been in exactly this situation:

Lady No 1. is married to a University researcer who was in Finland for a 6-month project. I.e. not covered by KELA. She got pregnant when in Finland and simply had her early pre-natal check-ups at a private "neuvola". Most fertility clinics and also many private medical centres have neuvola services.

Lady No 2. was in Finland as a sent worker, i.e. not covered by KELA. She had her neuvola appointments privately (paid by isurance provided by her employer) and gave birth in a public hospital. After her release from the ward, she received an invoice of approx 3000 euro and her employer paid this.

About regular pre-natal check-ups: http://www.hel.fi/hki/terke/en/Services ... y+Guidance
As far as I'm aware, also private neuvolas function under similar guidelines.
Usually moms get 2 sonograms, one at 10 to 14 weeks, a second one around 20 weeks. Some also choose to have a 4D done privately, I think this is done in public healthcare only in case of risk of complications or to follow certain irregularities.