omakustanteinen
Omakustanteinen is a Finnish term that means “at one’s own expense” or “self-funded.” It is used to describe services, treatments, investigations, or other arrangements in which the patient bears the full or primary cost, rather than costs being covered by public health insurance, social insurance such as Kela, or an employer- or provider-provided reimbursement.
In everyday use, omakustanteinen refers to care or services that are not reimbursed or only partially reimbursed
Practical implications include the need for the patient to obtain a price quote in advance, because out-of-pocket
Omakustanteinen thus signals a cost borne by the patient rather than by public or reimbursing entities. It