Haku
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Insurance institutions In Finland, private insurance institutions handle both statutory and voluntary insurance. Operating in the insurance sector is subject to authorisation. The Government issues authorisation for statutory earnings-related pens...https://stm.fi/en/insurance-institutions
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Insurance The Ministry of Social Affairs and Health is responsible for developing and drafting the legislation on statutory insurance, insurance companies and pension institutions. The goal is a sustainable social security and private insurance, b...https://stm.fi/en/insurance
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Insurance-related appeals A policy holder, who is unhappy with an insurance company's decision, should first take the matter up with a representative of their insurance company. Policy holders may request a statement from one of the following insu...https://stm.fi/en/insurance-related-appeals
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Department for Insurance and Social Security The Department for Insurance and Social Security directs and steers insurance policy and is responsible for drafting social insurance and other insurance legislation. The Department handles issues that ...https://stm.fi/en/department-for-insurance-and-social-security-svo-
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Insurance business in Finland is subject to licence.The government grants licences to authorised pension insurance companies that manage earnings-related pension insurance.https://stm.fi/en/insurance/legislation
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9.4.2026 | The Government is proposing changes aimed at preventing intentional misuse of social security, reducing incorrect social security payments and improving information exchange with Kela, the Social Insurance Institution of Finland.https://stm.fi/en/-/government-proposes-measures-to-prevent-benefit-fraud-and-incorrect-payments
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Social security for athletes, grant recipients and students Social security and pensions is provided under special arrangements in the case of certain professional groups: Athletes Pension and accident insurenace is compulsory until the age of 65 ...https://stm.fi/en/income-security/groups
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Rehabilitation The aim of rehabilitation is to enhance the individual's functional capacity, independent coping, opportunities for participation, work and study ability as well as their opportunities for employment and continuing working. Rehabili...https://stm.fi/en/rehabilitation
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Occupational accidents and occupational diseases The Ministry of Social Affairs and Health is responsible for developing and preparing the legislation concerning insurance against occupational accidents and diseases. The workers’ compensation insu...https://stm.fi/en/sickness-rehabilitation/occupational-accidents-and-illnesses
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Social security internationally The Finnish social security system is largely based on residence in Finland. A person arriving in Finland for work purposes is entitled to residence-based benefits even if they do not live in Finland. The entitlemen...https://stm.fi/en/income-security/international-social-security
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Administrative branch The administrative branch of the Ministry of Social Affairs and Health includes several independent institutions and agencies, which implement the ministry’s objectives in society and participate in Government Programme proje...https://stm.fi/en/administrative-branch
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Family benefits The purpose of the benefit system for children and families is to safeguard the subsistence of the child and those responsible for his or her care, and to support the care of the child. The benefits are applied for at the Social In...https://stm.fi/en/income-security/financial-assistance-families
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Sickness and rehabilitation All people living in Finland are included within the scope of sickness insurance. Sickness insurance provides reimbursements for loss of earnings and costs of rehabilitation. Sickness (Kela) Sickness allowance Paid to 1...https://stm.fi/en/income-security/sickness-rehabilitation
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The Ministry of Social Affairs and Health guides, directs and develops legislation on occupational healthcare.https://stm.fi/en/occupational-health-care
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Earnings-related pension Earnings-related pension is paid to a person who has accrued pension according to his or her earnings either in an employment relationship or as an entrepreneur. The size of the earnings-related pension is determined accor...https://stm.fi/en/earnings-related-pension
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Appealing income security decisions The Ministry of Social Affairs and Health does not process requests for a review, objections or complaints. Instead, it drafts legislation on appeal boards and this way ensures the legal protection of people whe...https://stm.fi/en/income-security/appealing
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According to the Ministry of Social Affairs and Health Decree on the prescription of medicines (1088/2010), special attention must be given to the safety of pharmaceuticals.https://stm.fi/en/legislation-steering-and-supervision-cooperation
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National pension National pension can be paid to a person covered by the Finnish social security system who does not receive any earnings-related pension or whose earnings-related pension is small. Provisions on national pension are laid down in l...https://stm.fi/en/national-pension
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Ministry of Social Affairs and Health Minister of Social Security Sanni Grahn-Laasonen The National Coalition Party Minister of Social Security Sanni Grahn-Laasonen is responsible for matters covered by the Department for Insurance and Social Secu...https://stm.fi/en/minister-of-social-security
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Private providers of health and social services, in other words companies, organisations and foundations, already account for about 22 per cent of the whole health and social services sector. They operate in both publicly and privately funded markets.https://stm.fi/en/private-providers-of-health-and-social-services