Benefits information

Doctor’s fees

Tradeka’s sickness fund only reimburses services provided by an occupational health care service provider, i.e. Terveystalo, and public health care services. The reimbursement is 80% of the doctor’s fee. Terveystalo does not charge you with an office fee.

The fund covers doctor visits at Terveystalo. This includes specialist appointments as well, such as visits to an ophthalmologist or a gynecologist. The fund has a direct reimbursement agreement with Terveystalo, meaning that you only pay the copayment. Terveystalo will charge the rest from the fund. The sickness fund does not cover the Kanta fee.

NOTE! You can visit any service provider for an ophthalmologist appointment, and the fund will reimburse 80% of the cost.

Dental care

After a year’s membership, the sickness fund will also reimburse your dental care. The fund reimburses 80% of dental care costs, with a maximum reimbursement of 500 euros per calendar year. The sickness fund does not cover the Kanta fee. You can choose the service provider for your dentist or dental hygienist yourself. Terveystalo and Oral have a direct reimbursement agreement with the fund, so you only pay the copayment at these locations. Any costs exceeding the cost ceiling must be paid by the individual.

NOTE! The Kela reimbursement must be deducted from the service price before applying for reimbursement. Starting from 1.5.2025, no referral is needed for the first two dental hygienist visits of the calendar year to receive Kela reimbursement. However, for the third dental hygienist visit in the same year, a referral from a dentist is required in order to receive the Kela reimbursement.

Tradeka’s sickness fund does not cover cosmetic dental care.

Contract locations

Hospital and health centre fees

The fund reimburses 80% of outpatient clinic fees, 80% of outpatient surgery fees, and 80% of health centre visit fees.

Daily hospital/health centre care fee reimbursement is 80%. However, the maximum reimbursement for a daily hospital fee is €34/day for a maximum of 60 days in a calendar year.

Treatment and care

The fund reimburses 80% of laboratory tests (including ultrasound) and imaging examinations (X-ray and MRI), provided they are conducted by the occupational health service provider (Terveystalo) or in public healthcare (excluding dental examinations, which are also reimbursed when performed by other service providers). You do not need a doctor’s referral for laboratory test packages. Only laboratory and radiological examinations prescribed by a specialist in psychiatry, a specialist in oral and maxillofacial surgery, or a dentist require a doctor’s referral.

We have special agreement prices for certain laboratory test packages at Terveystalo (in 2025, the Health Check Package is €64.50 and the Comprehensive Women’s and Men’s Health Package is €89.50). The fund reimburses 80% of the package price, and you only pay the 20% copayment at the reception. No referral is needed for these tests either.

Regarding procedures and surgeries, the sickness fund reimburses 80% of the physician’s fee and 80% of the facility charge, up to a maximum of 1,000€. The procedure must comply with the recommendations of good medical practice (Current Care Guidelines, Terveyskirjasto, Ministry of Social Affairs and Health’s Uniform Criteria for Non-Urgent Care 2019), meaning it must be related to disease treatment. Cosmetic procedures are not reimbursed.

Additionally, Terveystalo grants sickness fund members a 10% discount on the surgical prices of some of the most common procedures. These procedures are:

• median nerve release,

• partial meniscus removal in the knee,

• anterior cruciate ligament repair in the knee.

The sickness fund only reimburses cancer treatments provided by public healthcare.

 

Medicine

The sickness fund reimburses 80% of prescribed medicine, excluding the €70 copayment. This means that you are liable for the €70 copayment, and the fund reimbursement applies for the exceeding amount. A direct reimbursement is applied when you use your Kela card labelled with the sickness fund ID. The pharmacy then charges you only for the 20% copayment. The sickness fund has a direct reimbursement agreement with over 800 pharmacies.

The fund also provides a special rate of reimbursement if a fund member is entitled to such medicine. The lower special rate is 80% of purchased medicine. The higher special rate is 100% of purchased medicine for the amount exceeding €4.50.

After medicine purchases have exceeded the annual copayment limit, all medicine is fully reimbursed by Kela for the amount exceeding the €2.50 copayment.

Short-term psychotherapy and rehabilitative psychotherapy

The fund reimburses 80% of short-term psychotherapy and rehabilitative psychotherapy and for psychologist’s treatment. The maximum for such reimbursements is €1,000 per calendar year. Kela’s rehabilitative psychotherapy requires a psychiatrist’s medical certificate B. You do not need a referral for individual psychologist visits or short-term psychotherapy.

You can book a psychiatrist’s appointment at Terveystalo or with public health care services (a psychiatrist is a medical doctor, and the sickness fund only reimburses services provided by Terveystalo and public healthcare.). You can book an appointment for short-term psychotherapy at any therapist. The sickness fund has a direct reimbursement agreement with Terveystalo, meaning that you only pay the copayment. If you receive services elsewhere, send the invoice you paid to the fund, and you will receive reimbursement afterward. Terveystalo has appointed a dedicated psychotherapist (Anne Mäki) for Tradeka’s sickness fund members. However, you are free to choose any psychotherapist.

Physiotherapy

The fund reimburses 80% of physiotherapy and physiotherapeutic examinations. The maximum reimbursement is 375 euros per calendar year combined with massage.

You may choose any physiotherapist you wish. The sickness fund has a direct reimbursement agreement with Terveystalo, meaning that you only pay the copayment if you use their services. When using other providers, you pay for it yourself first and then apply for reimbursement from the fund. You do not need a referral for physiotherapy. The sickness fund does not cover the Kanta fee.

Massage as well as treatment provided by an osteopath, naprapath, and chiropractor.

The fund reimburses 80% of the cost of massage, as well as treatment provided by an osteopath, naprapath, or chiropractor, provided that the practitioner is registered in the central register of professionals, maintained
by the Finnish National Supervisory Authority for Welfare and Health (Valvira). You can check your massage therapist’s information in Valvira’s JulkiTerhikki register . The fund has a direct reimbursement agreement with Fysios Oy for physiotherapy and massage services, so you only have to pay the copayment when using their services. Elsewhere, to receive reimbursement, please submit a receipt for the massage to the fund. The receipt must include your name and the massage therapist’s details. Reimbursement is available as an additional benefit for physiotherapy, massage, and treatment provided by an osteopath, naprapath, or chiropractor, up to a maximum of 375 euros per calendar year. A referral is not required for massage. The sickness fund does not reimburse the Kanta fee.

Arch supports

When you feel it is time to start using arch supports, You may acquire the customised arch supports without a doctor’s referral or seeing a physiotherapist. Simply visit your local sporting goods store or buy the supports together with your new work shoes. However, please note that the arch supports must be uniquely fitted, i.e. specifically customised for you. No reimbursement is paid for off-the-shelf arch supports. 

The sickness fund compensates 40% or up to 30 euros over two calendar years. In other words, the maximum reimbursement is €30 every other year. Submit the receipt of your purchase to the sickness fund.

Spectacles, contact lenses and vision correcting surgery

After you have been a member of the fund for one year, the fund will reimburse 80% of the cost of eyeglasses, sunglasses, or contact lenses prescribed by an optician or ophthalmologist, up to a maximum of 250 euros every two calendar years (i.e., every other year). You only need to submit the receipt received with your eyeglass purchase, showing your name and the lens prescription. Additionally, the eyeglass benefit can also be used for vision correction surgery in Finland.

Eyeglass reimbursement for monthly payment agreements

You can also receive eyeglass reimbursement for monthly payment eyeglass agreements. To apply for reimbursement for a monthly agreement:

  • Due to legal reasons, direct reimbursement is not available for monthly agreements. The reimbursement must be applied for afterwards through the Iris online system.
  • The reimbursement is requested from the sickness fund using a handover agreement. The agreement must include all necessary details: name, date of birth, pick-up date, and the total price of the glasses. The date of the handover agreement must match the purchase date, and reimbursement can be applied for within 6 months of that date. In addition, the latest payment receipt is required.
  • Reimbursement will be paid at the earliest one month after the date of the agreement, as long as it is within the fund’s 6-month deadline. Reimbursement can be applied for agreements made on or after January 1, 2024.
  • The eyeglass reimbursement is paid as a one-time compensation directly to the member.

Tradeka’s sickness fund offers member prices at various optician chains (Instrumentarium, Nissen, Keops, Synsam, and Silmäasema). You will receive direct reimbursement from all except Silmäasema. Member benefits for Silmäasema are listed below. Benefits for the other opticians can be found under the Contract locations page.

Silmäasema Member Benefits (valid until 31.12.2025):

  • 30% off regular-priced eyeglasses (includes frames and lenses)

  • 30% off regular-priced sunglasses (including non-prescription; however, these are not eligible for the eyeglass benefit)

  • 20% off contact lenses when purchased in-store

  • 15% off eye care products

  • Free vision check and eyeglass prescription by an optician with the purchase of eyeglasses (normally €35)

  • Eye structure imaging for €59 (normally €79)

  • €100 off eye surgeries

Sickness allowance

If your sick leave lasts over 10 days, your employer will apply for a sickness allowance. If your sick leave is unpaid, please submit a sickness allowance claim at Kela’s online service.

Birth of a child

The sickness fund handles applications for maternal, paternal, and parental leave allowances, including for pregnancy, labour, and adoption, according to the Health Insurance Act.

Maternal, paternal, and parental leave are regulated in the Employment Contracts Act. According to the act, parents are entitled to childcare leave. No additional fund benefits are paid during childcare leave.

Parental allowances

The fund processes maternal, paternal, and parental allowance applications and any special rate treatment applications for its members. Submit your applications at Kela’s online service (www.kela.fi/asiointi).

If you have any questions related to allowances and applying for them, the sickness fund will be glad to help.

Funeral allowance

If a member dies, the fund pays out a €1,700 funeral allowance. The fund submits the application and the instructions to the estate.

Travel expenses

Necessary travel expenses related to medical treatment or examinations are reimbursed in accordance with the Health Insurance Act.

For more information on reimbursable travel, please see Kela’s website https://www.kela.fi/matkat.

Travel expenses require a specific application (SV4) that should be submitted at Kela’s online service. In addition, you must present a certificate or other report on the treatment in question.

Office fees

The fund reimburses 80% of the office fees at treatment and care facilities. Terveystalo does not charge you with an office fee.

Payment dates

The payment dates for sickness allowances, parental leave allowances, and health care allowances are provided in the Kela decision.

The fund pays any additional benefits as soon as possible once the application and the relevant appendices have been processed.

What is not reimbursed? 

The fund does not reimburse the following treatments and procedures:

  • fertility treatments and medications intended for fertility
  • contraceptives (exception: when related to medical treatment and purchased from a pharmacy, e.g., during menopause or for heavy and painful menstrual periods)
  • vaccinations
  • doctor’s examination or medical statement fees, e.g., for driving license certificates
  • cosmetic procedures (excluding laser eye surgery covered under the eyeglass allowance)
  • supplies used during medical appointments
  • prescription renewals (prescriptions can be renewed free of charge through the OmaKanta service)
  • special massages (e.g., lymphatic therapy or traditional Finnish bone-setting) as well as foot care