L&T Sairauskassa
Benefits briefly 1.1.2025
Please refer to the rules and contact the fund for detailed information. A doctor's prescription is required for all treatments and examinations.
FROM THE BEGINNING OF MEMBERSHIP:
| TREATMENT | BENEFIT |
| Specialist physician consultation fee | 80% - up to four visits per calendar year |
|
Health center fees |
100% |
| Outpatient clinic fees (public) | 100% |
| Day surgery fee (public) | 100% |
|
Hospital daily fee (public) |
100% |
| Series treatment (public) | 100% |
| Medication (reimbursable by the national health insurance) | 100% |
| Laboratory, X-ray, and ultrasound examinations | 100% - according to the examination list |
| Magnetic resonance imaging (MRI) | 100% - ordered by specialist at Terveystalo |
| Physiotherapy (Doctor's prescription or reimbursed by Kela) | 80% - up to 10 sessions per calendar year |
| Massage, Osteopathy, chiropractic and naprapathy treatments (Doctor's prescription) | 80% - up to 5 sessions per calendar year |
| Assistive devices, such as orthotic insoles, wrist and ankle supports | €100 - once per calendar year |
| Deductible for Kela reimbursement travel expenses | 100% |
AFTER 1 YEAR OF MEMBERSHIP:
| TREATMENT | BENEFIT |
| Dental care (private) |
80% - all dental care (public and private) up to €500 per calendar year Note: the private dental hygienist must have a prescription from a private dentist written in advance for the treatment of gum and tissue disease or treatment is reimbursed by Kela |
| Dental care (public) | 100% - all dental care (public and private) up to €500 per calendar year |
| Eyeglasses | one-time payment max. €400 - every third calendar year |
Not covered: e.g., personal copayments for service vouchers for surgery, general practitioner fees, physician procedures, office fees, vaccinations, medical certificates, parking fees.