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The top health insurance companies for expats in Finland include David Shield, Cigna, AXA, William Russell, Allianz Care, IMG, and more. These providers offer comprehensive health insurance plans designed to meet the unique needs of expatriates, ensuring quality care and access to medical services in Finland and abroad.
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Expats in Finland often choose private health insurance for quicker access to healthcare and support with the long waiting times in public hospitals. These top insurers provide a range of options that cover everything from basic emergency care to comprehensive treatments like cancer care, maternity services, and medical evacuation.
So read on for the top 10 health insurance companies in Finland for expats–many of them also appearing in our list of the top 10 international health insurance providers–and details of their offerings. We are very positive you’ll find your ideal health plan from one of them.
Detailed Overview of Health Plans for Expats in Finland
The 10 best health insurance companies in Finland for expats are:
All of these insurers are known for their high quality of service, fairness, and the good value for money of their plans. So let’s take a closer look at them one by one, and explore the features, benefits, and coverage options each insurer offers.
April International: Flexible Health Insurance Plans for Expats in Finland
April International’s MyHealth International plans provide comprehensive health coverage tailored for expats in Finland, ensuring access to quality medical care worldwide. With flexible options and robust support, these plans will meet the diverse needs of expats in Finland.
Key Features of APRIL International’s MyHealth International plans include:
- Flexibility: These adaptable plans meet individual needs and budgets
- Global Coverage: You will have access to medical care worldwide
- 24/7 Support: Multilingual customer service is available via various channels (chat, phone, WhatsApp)
- Easy Claim Process: Submissions can be made through the Easy Claim app for quick reimbursements
- No Upfront Payments: You will not need to make upfront payments in case of hospitalization
|
Plan Type |
Emergency Plan | Basic Plan | Essential Plan | Comfort Plan |
Premium Plan |
| Overall Limit (EUR/USD) | €/$250,000 per year | €/$500,000 per year | €/$1,000,000 per year | Unlimited | Unlimited |
| Hospitalization Coverage | Coverage for accidents only | Full coverage | Full coverage | Full coverage | Full coverage |
| Cancer Care | Comprehensive coverage | Comprehensive coverage | Comprehensive coverage | Comprehensive coverage | Comprehensive coverage |
| Medical Repatriation | Included | Included | Included | Included | Included |
| Additional Options | Outpatient care, dental, vision, maternity | Low outpatient care, €/$500 dental limit, €/$150 vision limit (every 2 years) | Medium outpatient care, €/$1,000 dental limit, €/$250 vision limit, maternity coverage | High outpatient care, €/$2,000 dental limit, €/$500 vision limit, maternity coverage up to €/$6,000 | Deluxe outpatient care, €/$4,000 dental limit, €/$700 vision limit, maternity coverage up to €/$12,000 |
Cigna: Comprehensive Expat Health Coverage Options in Finland
Cigna offers international health plans for expats in Finland, providing comprehensive coverage and tailored options to meet individual needs. There is no age limit for enrollment, and you can opt to include the USA with your coverage. Plan details are as follows:
|
Plan |
Silver Plan | Gold Plan |
Platinum Plan |
| Annual Maximum Benefit (USD) | $1,000,000 for inpatient and day-patient treatment | $2,000,000 for inpatient and day-patient treatment | Inpatient and day-patient treatment covered in full |
| Private Room Accommodation | Yes | Yes | Yes |
| Full Cancer Care Coverage (USD) | Up to $1,000,000 | Up to $2,000,000 | Yes |
| Medical Imaging and Scans Coverage (USD) | Up to $10,000 | Up to $15,000 | Covered in full |
| Rehabilitation Coverage (including physiotherapy) (USD) | Up to $5,000 | Up to $10,000 | Covered in full |
| A&E Room Treatment Coverage (USD) | Up to $500 | Up to $1,000 | Up to $2,000 |
| Inpatient Maternity Coverage (USD) | Not covered | Up to $7,000 | Up to $14,000 |
| Newborn Care Coverage (USD) | Not applicable | Up to $75,000 | Up to $156,000 |
| Mental and Behavioral Healthcare Coverage | Not applicable | Not applicable | Covered in full |
Cigna’s international health plans offer:
- Global coverage with local expertise
- Flexibility, choice, and portability across 200+ countries and jurisdictions
- Extensive mental health support programs and resources
- Coverage for a wide range of medical treatments and services
- And more
AXA: Tailored Health Insurance Plans for Expats in Finland
AXA is your trusted partner for international health insurance in Finland. Whether you’re an expat relocating to Finland for work, leisure, or retirement, their comprehensive coverage ensures your healthcare needs are in good hands.
The main features of AXA’s plans include:
- Plan Choices: AXA offers five main international health plans for expats in Finland, providing different levels of coverage and benefits:
|
Plan |
Coverage Limit (USD Per Year) |
| Foundation | $160,000 |
| Standard | $1,600,000 |
| Comprehensive | $2,400,000 |
| Prestige | $3,200,000 |
| Prestige Plus | $8,000,000 |
- Coverage Benefits: The benefits of AXA’s international health plans may include:
- Medical evacuation and repatriation
- Inpatient hospital charges and surgeries
- Emergency care
- A wide range of cancer treatments
- Ambulance transport
- Dental care (not check-ups)
- Outpatient treatment, tests, and vaccinations (optional)
- Outpatient drugs and dressings (optional)
- Management of chronic conditions
- CT, PET, and MRI scans
- Routine pregnancy care
- Annual health checkups
- Eye tests and prescription glasses
- Easy online access to policy benefits and claims details
- Personalized support from a multilingual team is available 24/7
- Virtual Doctor Service: This enables members to consult with doctors via video or phone.
- Second Opinions: Members can seek a second medical opinion from highly ranked medical professionals.
- Taking Care of Health of the Mind: A mind health support platform connects members with qualified psychologists around the globe.
William Russell: Premium Health Coverage for Expats in Finland
William Russell offers comprehensive coverage tailored to the needs of expats in Finland. With a wide network of over 40,000 hospitals worldwide and a range of benefits covering inpatient and outpatient treatment, dental care, and more, William Russell ensures your health and well-being.
William Russell offers the Bronze, SilverLite, Silver, and Gold Plans. All plans cover cancer treatment, mental health treatment, and medical evacuations:
|
Plan Options |
Bronze | SilverLite | Silver |
Gold |
| Annual Benefit Limit (USD) | $1,500,000 | $1,500,000 | $2,500,000 | $5,000,000 |
| Doctor Visits | Post-hospital | Covered | Covered | Covered |
| Pregnancy & Childbirth | If complications arise | If complications arise | If complications arise | Covered |
Direct settlement of medical bills with over 40,000 hospitals around the globe means you don’t have to worry about coming up with the funds to pay the medical bills when you should be focused on the recovery instead, and then handle heaps of paperwork when claiming reimbursement.
In addition to the consultations and treatments related to cancer, the William Russell plans will further cover reconstructive surgery, and restorative dental treatment after radiotherapy or chemotherapy.
Allianz Care: Global Health Insurance Solutions for Expats in Finland
Allianz Care offers a range of international health insurance plans for expats in Finland. These plans cover services such as emergency medical evacuation, nursing at home, rehabilitation treatment, and more.
Here is a summary of the available plans, with all money sums expressed in USD:
|
Plan |
Care Pro | Care Plus |
Care |
| Maximum Plan Limit | $5,000,000 | $4,000,000 | $2,500,000 |
| Room Type | Private room | Private room | Semi-private room |
| Coverage Includes | In-patient, day-care, and out-patient treatment | In-patient and day-care treatment | In-patient and day-care treatment |
| Additional Benefits | Oncology treatment and personal oncology case manager services | Oncology treatment and personal oncology case manager services | N/A |
| Medical Evacuation | Covered | Covered | Covered |
| Nursing at Home | $5,740 | $3,375 | $2,025 |
| Rehabilitation Treatment | $5,970 | $3,375 | $2,025 |
| Preventive Surgery | $40,500 | Not covered | Not covered |
| Laser Surgery | Included | Not covered | Not covered |
The coverage is subject to policy definitions, exclusions, and any special conditions mentioned in the Insurance Certificate.
IMG: Affordable International Health Insurance for Expats in Finland
IMG (International Medical Group) offers comprehensive international health insurance plans for expats living in Finland. With an IMG plan, you can have peace of mind knowing that your health and well-being are protected, allowing you to fully enjoy your expat experience in Finland.
The following plans are available, with money sums expressed in USD.
Bronze Plan
- Area of Coverage: Worldwide excluding the United States, Canada, China, Hong Kong, Japan, Singapore, and Taiwan
- Lifetime Maximum: $1,000,000 per individual
- Deductible: $250 to $10,000
- Pre-existing Conditions: Known disclosed conditions are covered the same as any illness or injury unless excluded by a rider; non-disclosed conditions are not covered; for unknown conditions (after 24 months of continuous coverage), the limit for the period of coverage is $5,000, and a lifetime maximum of $50,000 applies
- Inpatient: $600 per day, 240-day maximum
Silver Plan
- Area of Coverage: Worldwide
- Lifetime Maximum: $5,000,000 per individual
- Deductible: $250 to $10,000
- Pre-existing Conditions: Covered the same as any illness or injury unless excluded by a rider
- Inpatient: Same coverage as the Bronze Plan
Gold Plan
- Area of Coverage: Worldwide
- Lifetime Maximum: $5,000,000 per individual
- Deductible: $250 to $25,000
- Pre-existing Conditions: Covered if disclosed and not excluded by rider
- Inpatient: Same coverage as the Bronze Plan
Platinum Plan
- Area of Coverage: Worldwide
- Lifetime Maximum: $8,000,000 per individual
- Deductible: $100 to $25,000
- Pre-existing Conditions: Covered if disclosed and not excluded by rider
- Inpatient: Same coverage as the Bronze Plan
Additional Plan Features and Benefits
- Flexibility: Multiple plan options and payment modes to fit your budget
- Choice of Coverage Area: Choose between worldwide coverage or worldwide coverage excluding specific countries
- Freedom to Choose: Select your own healthcare provider, regardless of your location
- Travel Intelligence: Receive location-specific alerts on health, transportation, security, and weather
- Assistance Services: Available on all plans, providing 24/7 support
- Preventative Care: No waiting period for wellness benefits
- Healthy Travel Preventative Coverage: Receive vaccinations and preventive prescriptions prior to departure
DavidShield: Comprehensive Health Coverage for Expats in Finland
The plan from DavidShield offers comprehensive health insurance coverage for expats in Finland. It ensures peace of mind for policyholders with a lifetime maximum benefit of USD $5,000,000 and no waiting period for most benefits. Plan details are as follows:
|
Benefit Type |
Maximum Limit (USD) |
Notes |
| Physician Visits | $5,000,000 | No limit on visits |
| Child & Infant Development | $5,000,000 | |
| Child Vaccinations | $5,000,000 | |
| Adult Wellness Care | $500 per calendar year | |
| Maternity Care | $30,000 | Covers complications during the first 90 days of pregnancy |
| Inpatient Care | $5,000,000 | Hospitalization requires pre-admission notice within 72 hours |
| Emergency Room Visits | $500,000 | No limit on visits |
| Organ Transplants | $500,000 | Requires pre-hospitalization notice within 72 hours |
| Medical Evacuation | $25,000 per event | Includes travel and medical expenses |
| Chiropractic/Physiotherapy | $50 per visit | Limited to 24 visits per calendar year |
| Mental Health Services | $10,000 per calendar year | Lifetime maximum of $20,000 |
| Ambulance Services | $2,500 per event | Maximum of $5,000 lifetime |
| Durable Medical Equipment | $5,000 lifetime | |
| Nursing Services | $50,000 lifetime | As specified in the policy |
| Family Unification | $1,000 lifetime | |
| Pre-existing Conditions | Up to $5,000,000 | Coverage as specified by policy |
GeoBlue: Expat Health Insurance Plans in Finland
GeoBlue offers a range of international health insurance plans designed for expats in Finland. The plans—Platinum, Premium, Plus, Select, and Essential—provide comprehensive coverage tailored to meet various healthcare needs, ensuring access to quality healthcare worldwide.
Key features the GeoBlue plans have in common include:
- Global Coverage: Members have access to a vast network of providers in over 190 countries
- Emergency Services: Medical evacuation and 24/7 support are included
- Direct Pay Options: This simplifies payment processes and avoids upfront costs
- Mobile App: Enables convenient access to services, including finding providers and managing claims
- Physician Services: These plans provide coverage for primary care and specialist visits
- Inpatient and Outpatient Care: The GeoBlue plans come with comprehensive coverage for hospital stays and outpatient treatments
- Maternity Care: Prenatal, delivery and postnatal care are extensively covered
- Prescription Drugs: Coverage varies by plan type, with specific copays for medications
Here is a comparison of the GeoBlue plans:
|
Plan Type |
Platinum | Premium | Plus | Select |
Essential |
| Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Deductible (Individual) | $0 | $100 | $0 | $250 | $500 |
| Deductible (Family) | $0 | $200 | $0 | $500 | $1,000 |
| Out-of-pocket Max (Individual) | $0 | $600 | $0 | $1,500 | $3,000 |
| Out-of-pocket Max (Family) | $0 | $1,200 | $0 | $3,000 | $6,000 |
| Visits to the Physician’s Office | 100% | 100% | 100% | 90% | 90% |
| Hospitalization Coverage | 100% | 90% | 100% | 90% | 90% |
Vumi: VIP Health Insurance for Expats in Finland
Vumi offers four main international health insurance plans for expats in Finland. With annual coverage ranging from USD $2,000,000 to unlimited, and different deductible combinations for inside and outside the USA to choose from, you’ll have no problem finding the coverage just right for you.
Here is a snapshot of the plans available, all money sums are in USD.
|
Plan |
Access VIP | Special VIP | Universal VIP |
Absolute VIP |
| Annual Coverage | $2,000,000 | $5,000,000 | $7,000,000 | Unlimited |
| Room Type | Standard private room up to plan limit | Standard private room up to plan limit | Standard private room, unlimited | Standard private room, unlimited |
| Prescribed Medications | $5,000 | $30,000 | Unlimited | Unlimited |
| Nurse Care at Home | $6,000 | $10,000 | Unlimited | Unlimited |
| Surgery to Reduce the Risk of Cancer | N/A | $25,000 per lifetime after a 12-month waiting period | $30,000 per lifetime after a 12-month waiting period | $30,000 per lifetime after a 12-month waiting period |
| Organ/tissue Transplant (Per Organ/tissue) | $300,000 per lifetime | $500,000 per lifetime (with optional rider) | $1,100,000 per lifetime | $3,000,000 per lifetime |
| Durable Medical Equipment | $6,000 | $10,000 | Unlimited | Unlimited |
| Physical Therapy and Rehabilitation | Inpatient: Unlimited; Outpatient: $6,000 | Inpatient: Unlimited; Outpatient: $10,000 | Unlimited | Unlimited |
| Emergency Transportation by Air Ambulance | $40,000 (no deductible) | $60,000 (no deductible) | Unlimited (no deductible) | Unlimited (no deductible) |
The main features across all Vumi plans include:
- Age Limit: New applicants must be 75 years old or below
- Prescribed Medications while Hospitalized: All plans cover prescribed inpatient medications without limit
- Emergency Room: All plans cover A&E visits without limit
- Physician and Specialist Visits: All plans cover outpatient physician and specialist visits without limit, at the clinic or the insured’s home
- Outpatient Surgery: All plans provide unlimited coverage
- Second Medical Opinion: Second medical opinions are available with all plans
- Emergency Transportation by Ground Ambulance: All plans offer zero-deductible unlimited coverage
- Alzheimer’s Disease: All plans cover all directly relevant outpatient expenses
Bupa Global: Global Health Coverage for Expats in Finland
Bupa Global offers private health insurance plans for expats in Finland. These plans provide comprehensive coverage for medical expenses both within Finland and abroad. Below is an overview of the available plans, with money sums expressed in EUR € and USD $ (assuming USD $1 = EUR €0.9172):
|
Plan |
Major Medical | Select | Premier |
Elite |
| Area of cover | Worldwide or Worldwide without U.S. | Worldwide or Worldwide without the U.S. or Europe | Worldwide or Worldwide without the U.S. or Europe | Worldwide or Worldwide without the U.S. or Europe |
| Annual Limit | €2,500,000 (approximately $2,892,800) | €1,250,000 (approximately $1,446,400) | €1,875,000 (approximately $2,169,600) | €3,750,000 (approximately $4,339,200) |
| Home Nursing | 30 days | N/A | N/A | 30 days |
| Outpatient Prescribed Medicines | N/A | Covered (with limit) | Covered (with limit) | Covered (with limit) |
| Maternity | N/A | N/A | N/A | Pregnancy and childbirth after the mother has been covered on this health plan for 10 months including pregnancy and childbirth complications and Cesarean section; limitations apply |
Major features common across all Bupa Global plans include:
- Inpatient Room Type: All plans cover standard private room accommodation
- Cancer Treatment: Once cancer is diagnosed, Bupa Global will pay fees related specifically to planning and carrying out treatment for cancer, including tests, diagnostic imaging, consultations and prescribed medicines
- Medical Evacuation: Reasonable transport costs to the nearest suitable place of treatment are covered, if the treatment needed is not available nearby
- Medical Repatriation: This gives you the option of returning to your specified country of residence or specified country of nationality, so you can be treated in familiar surroundings, where the treatment you need is not available nearby
- Diagnostic Tests: Bupa Global will pay for diagnostic tests, pathology, and radiology when recommended by your specialist when you are in the hospital
Frequently Asked Questions
What is the overall quality of healthcare in Finland?
Finland’s healthcare is highly regarded, with some of the world’s best hospitals. Moreover, most facilities can provide services in English. However, common problems like long waiting times and insufficient funding affect Finland’s public healthcare system like in many other places.
Do expats have access to public healthcare in Finland?
National Health Insurance is an integral part of the Finnish social security system and is provided by Finland’s Social Insurance Institution. In short, all permanent residents of Finland are covered by the country’s NHI scheme, including expats working in Finland.
How much does international private health insurance typically cost in Finland?
From our Cost of International Health Insurance Report 2023, the premium of individual international private medical insurance (IPMI) in Finland was USD $4,283 on average in 2022, and for family IPMI it was USD $11,811 on average.
Conclusion
In this article, we presented the top 10 health insurance providers in Finland, outlining the distinctive features of each. Our aim is to assist you by highlighting the differences between them. We believe you are now equipped to select the most suitable option to safeguard your health.
Nonetheless, reputable health insurance insurers in Finland are not limited to these ten. Whether acquiring health insurance or any other insurance product, it is advisable to engage a knowledgeable broker who prioritizes your interests.
For international health, expat health, family health, maternity, travel, or other insurance needs, Pacific Prime possesses extensive expertise and global experience to customize a solution that fulfills your requirements, and fits your budget, all while ensuring the best value for money.
And here’s the icing on the cake: You can benefit from our advice and support at no extra cost! So contact us for a consultation, quote, or a FREE no-obligation plan comparison today.
If you are thinking about moving to Finland, chances are Israel and Sweden are in your short list of potential destinations too. If so, we recommend that you read about the top health insurers in Israel and the top health insurers in Sweden after reading this article.
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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