Sairausvakuutusjärjestelmä

Sairausvakuutusjärjestelmä, often translated as the sickness insurance system, is a cornerstone of Finland's social security. It is a statutory insurance scheme designed to provide financial security and healthcare benefits to all residents. The primary goal of the system is to protect individuals and families from the economic consequences of illness and healthcare expenses.

Key benefits provided by the Finnish sickness insurance system include daily allowances for income loss due to sickness or maternity, paternity, and parental leave. These daily allowances are calculated based on the insured person's income. In addition to income replacement, the system covers a significant portion of costs for medical and dental care, pharmaceuticals, and rehabilitation.

The system is primarily financed through contributions from insured individuals, employers, and state funding. Kela, the Social Insurance Institution of Finland, is responsible for administering the sickness insurance system. It processes applications for benefits, makes decisions on eligibility, and pays out the reimbursements. The system aims to ensure access to necessary healthcare services regardless of an individual's financial situation, promoting public health and social well-being.