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Reimbursement applications

Medical expenses

  • Claim compensation within six (6) months.
  • Claim reimbursement preferably via the e-service.
  • If the e-service is not available, you can apply for reimbursement by post.

Iris e-service

Apply for compensation quickly and flexibly through Iris. Log in with your personal online banking details, mobile certificate or a secure card.

Instructions for adding the Iris service to your phone:

  1. Log in to the Iris website lt.omasairauskassa.fi using your phone's browser.
  2. For Apple phones: Click on the bottom arrow selection and add the function to the home screen.
    For Android (Samsung) phones: Click on the three-line menu icon in the bottom right corner, select "Add to home screen" from there, and choose the initial screen.
  3. Name the application as desired.
  4. Place the application in the desired location on your phone's screen.

Check the application attachments

Specialized physician visit fees and dental care provided by private service providers

Include:

  • Invoice or receipt

If the costs have not been deducted from the national health insurance reimbursement, submit the application through www.kela.fi/omakela and include:

  • Treatment statement provided by the physician or dentist
  • Physician's referral for examinations and treatments
  • Dentist's referral and dental hygienist's treatment statement for dental hygiene treatment, the referral must have been obtained before the treatment from a private dentist and it must be for the treatment of gum and tissue disease
  • You can receive reimbursement for dental hygienist care twice a calendar year without a doctor's prescription. For these visits, a dental hygienist's treatment statement is sufficient.
  • SV 127 reimbursement application form

Examinations

Include:

  • Physician´s referral
  • Invoice or receipt indicating the recipient´s name, date of visit, and examination code

Medication (if you have not received direct reimbursement from the pharmacy)

Include:

  • Pharmacy receipt
  • Calculation provided by the pharmacy

Fees for health center visits, polyclinic visits, hospital stays, and day surgery

Include:

  • a copy of the invoice

Physiotherapy, massage, naprapathy, osteopathy, and chiropractic treatment

Include:

  • Physician's referral
  • Copy of the invoice or receipt indicating the recipient's name, provider's name, and dates of visits

Aids

Include:

  • Physician's referral
  • Copy of the invoice or receipt

Eyeglasses

Include:

  • Payment receipt
  • Photocopy of the vision care card provided by the optical store
  • Ensure that one year has passed since the start of membership and at least three years have passed since the last reimbursement

Travel

Include:

  • Certificate of visit if you receive treatment from private healthcare providers (note that travel expenses are reimbursable only if the treatment is eligible for national health insurance reimbursement)
  • Receipt of payment
  • Local transportation expenses are not reimbursed

Specific measures

  • Make sure that you have been a member for more than six (6) months before you apply to the health insurance fund.

  • Apply to the sickness fund well in advance of the planned operation, as you will NOT be able to apply for reimbursement afterwards

  • Submit the application for the measure and its annexes to the sickness insurance fund. For more detailed instructions, please contact the cashier

Magnetic resonance imaging

From the beginning of 2025, magnetic resonance imaging will be replaced by a referral from a specialist at Terveystalo. There will no longer be a need to apply for a separate authorisation from the cashier. Terveystalo will charge the examination to the cashier when you present your Kela card at the reception.

Compensation for other specific measures

Under Article 14a of the L&T Sickness Fund Rules, the costs of measures to prevent incapacity for work and to improve working and earning capacity may be reimbursed in whole or in part if the Board of Directors considers it reasonable to agree to this in an individual case.

The member must submit a separate application to the sickness insurance fund, accompanied by a B medical certificate or equivalent from the occupational health service. The opinion must indicate the need for the measure and the estimated cost. In addition, the Board requires the approval of the Fund's specialist doctor.