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Social insurance contribution Contributions in 2017–2026 Table: Social insurance contributions, % of salary. Employers 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 Health insurance all employers 1,08 0,86 0,77 1,34 1,53 1,34 1,53 1,16 1,87 1,...https://stm.fi/en/social-insurance-contribution
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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 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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Statutory insurance A significant part of social security in Finland is provided through statutory insurances. This package is called social insurance. The insurance-based forms of social security include earnings-related pension, occupational acc...https://stm.fi/en/statutory-insurance
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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-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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Supervision of the insurance sector The insurance sector is supervised to safeguard the interests of the insured and the beneficiaries. The Financial Supervisory Authority supervises the insurance sector The Financial Supervisory Authority (FIN-FS...https://stm.fi/en/supervision-of-the-insurance-sector
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Department for Insurance and Social Security (SVO) - Department personnel in full Hiddenhttps://stm.fi/en/department-for-insurance-and-social-security-svo/department-for-insurance-and-social-security-svo-department-personnel-in-full
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Unit for Pensions and Private Insurance (EVY) - Group personnel Hiddenhttps://stm.fi/en/department-for-insurance-and-social-security-svo/unit-for-pensions-and-private-insurance-evy-group-personnel
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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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Investmets and solvency Insurance companies must invest insurance premiums that they collect from the insured in a secure and profitable manner. However, when aiming for maximum returns, insurance companies must ensure that their solvency is not a...https://stm.fi/en/investing-insurance-contributions
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Further information Hiddenhttps://stm.fi/en/statistics/statistics-on-insurance
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Social assistance Shortly Social assistance is a last-resort form of social security that secures the essential livelihood for an individual or a family when they cannot support themselves with other income or assets. It is a means-tested benefit,...https://stm.fi/en/income-security/social-assistance
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Social security reform Social security will be reformed during the ongoing parliamentary term through government projects and the work of the Social Security Committee. The aim of the social security reform is to make the social security system sm...https://stm.fi/en/social-security-reform
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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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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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General social security benefit The Ministry of Social Affairs and Health is preparing a general social security benefit. The benefit would include a basic allowance for living, an allowance for housing costs and a discretionary allowance as last-...https://stm.fi/en/general-social-security-benefit
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Finnish social security system The Finnish social security system includes benefits and support that protect people’s livelihoods, as well as the provision of health and social services and employment services. Social security provides income secu...https://stm.fi/en/finnish-social-security-system
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Healthcare and social welfare for undocumented persons When it comes to the organisation of healthcare and social welfare, it should be noted that there are people residing both legally and illegally in Finland who are usually referred to as undoc...https://stm.fi/en/healthcare-and-social-welfare-for-undocumented-persons
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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