Travel to Finland to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

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Intro

Backpacking or traveling in Finland?

  • Finland is a pretty off-the-beaten path destination in Europe. Most people know very little about what is actually there to experience. All the more fun then, more adventure and a more local experience. And ... the world's best air quality! So good for your health, too. Think dreamy winter landscapes, endless forests, unique people and small islands. You do pay a little for it, so for the backpacker it can be a bit more challenging. In that case, bring your tent and camp in the wild. Again, that saves money! 
  • Activity spotting: Eat, eat and eat during Restaurant Day - a day when anyone can start a cafe, restaurant or bar for one day, try the real Finnish sauna, see the northern lights in winter, wild camp wherever you want, go winter sports in Lapland, visit Inari and learn about the Sami people, experience Helsinki, hike and canoe in one of more than 40 national parks, celebrate midsummer and learn about military history at the Suomenlinna sea fortress. 

Studying in Finland?

  • Finland has very good universities, especially in Helsinki. You do have to be ready for the harsh winters and short summers, but if you can handle that, you can definitely have a great time as a student in Finland! You can choose from many studies with modern facilities. Popular fields of study for foreign students include IT, business administration, finance, health care and education. 
  • Student life: there are many student associations and study clubs. You can also find a separate association for almost every interest or sport. So it's easy to make social connections! 
  • Study cities: Helsinki, Oulu, Tampere, Turku, Espoo, etc.
  • Language: Finnish, but nowadays there are also hundreds of studies taught in English. 

Internship in Finland?

  • Internships from a few months to a year, it's all possible and there are many options. Think for example of internships in IT, hospitality, education, architecture, business administration and design. It is a good stepping stone to a job in Finland.
  • You can contact a company or organization directly, or apply for internships through an intermediary organization. 
  • Competencies: IT and software development (Finland is known for this), technology skills, knowledge of renewable energy, sustainability knowledge and experience (Finland is a forerunner in this field), taking initiative, punctuality, direct communication, giving and receiving feedback. 

Doing volunteer work in Finland?

  • Volunteering in Finland can be a fun way to travel around cheaper and get to know the country better. Consider helping on organic farms, teaching English, helping with education and eco projects, working in a hostel or helping in animal care. 

Work in Finland?

  • In Finland you will find many jobs in the IT and software world, engineering, accountancy, HR, hospitality, sales and marketing, Stem and education. There are many jobs and as a European you can work there without a special visa. 
  • Work culture: Finns believe very much in equality. There is little hierarchy and a lot of freedom to express your opinion regardless of your age or position. There is also a good work-life balance.

Working as a digital nomad in Finland?

  • Finland is a wonderful country for digital nomads. You can enjoy a high quality of life and all the modern amenities you need are available such as nice cafes, good Internet and cozy expat gatherings. 
  • Winter might not be the best time if you like daylight and the country is quite expensive!
  • Favorite locations: Helsinki, Tampere, Turku. 

Living in Finland?

  • It is not for nothing that people choose to live in Finland, as the country has come out of the rankings several times as the country with the happiest inhabitants in the world. 
  • So I don't think we need to talk about the quality of life anymore, it's fine. From beautiful landscapes with a sun that does not set in summer, to snow adventures and cozy pubs in winter. And of course, in addition to great health care, it is also the land of saunas, the ultimate in healthy relaxation. It is an attractive country for people who want to build a new life, although of course there are drawbacks. 
  • In winter it is very cold and dark for a long time. This is something you have to be prepared for. So take your jar of vitamin D pills with you! 
  • Culture: In Finland, ancient culture and mythology still plays a big role, with many great stories. There is also a cozy cafe culture and coffee is an important part of life. In addition, Finns love personal space and silence, and are known for their honesty. 
  • Do make sure you have your own well-covered health insurance.
 
Finland Country Bundle: suggestions, stories and tips

Finland Country Bundle: suggestions, stories and tips

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Content about Finland on WorldSupporter

Finland: Updates & Travel

Finland: Updates & Travel

Travel in Finland?

  • Days without night in summer (midnight sun) and nights without day in winter. Finland is the land of the mysterious northern lights and the home of Santa Claus. During summer an ideal place for hiking along thousands of lakes and during winter a wonderful place for skiing.
  • Go to the sauna. Worldwide, Finland has the largest number of saunas per capita. You can literally find them on every street corner.
  • See the northern lights during the Finnish winter months. If you visit Finland during the summer months, you can see the midsummer night sun. During this period, it barely gets dark at night.
  • Visit fortress Suomenlinna. This is Finland's most famous tourist attraction. The fort was built in 1748 against enemies at sea.
  • Go hiking in the north of the country in one of the national parks such as Urho Kekkonen national park.
  • Near Rovaniemi you will find the place where Santa Claus comes from. There you have Santa's house, Santa's tourist center, a Santa Claus amusement park, Santa's airport and the school where his helpers are trained. Furthermore, here you can take a dog or reindeer sleigh ride, ice fish, ski or go on a snowmobile safari.
  • Inari is the capital of the traditional Sámi people. Learn more about this people here and visit Siidda museum, for example.
  • Old Rauma: This village in western Finland is known for its large number of wooden houses from the 18th and 19th centuries.
  • Finnish Lake Plain: The Finnish Lake Plain in central and eastern Finland consists of about 60,000 lakes connected by small and larger rivers, streams and canals. These lakes are still from the ice age. The largest lakes are Lake Saima, Lake Päijanen and Lake Inari. You can also see bears in eastern Finland between April and August.
  • Helsinki: This is the capital of Finland. Located on the Baltic Sea, the city is historically interesting and there is also a lot to see in terms of modern architecture and culture.
  • Never ask a Sámi how many reindeer they own. This is very personal information, which even close friends do not talk about with each other. Comparable to asking someone how much money they have in the bank.
  • Watch out for reindeer on the road. These beasts weigh about 500 kilograms and if you drive into these, you're not done yet.
  • Be prepared that Lapland is cold! Bring warm clothes.

Updates Finland

  • More about Finland updates and contributions, see the link below.
How does healthcare work in Finland, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Finland, and what travel insurance, health insurance or expat insurance do you need?

How does the healthcare system work in Finland?

What is the quality of healthcare in Finland?

  • In Finland, health care is of good quality and there is a choice of public and private institutions.
  • The health care system is divided into primary and specialist care. Primary care is provided at health centres (terveysasemat) where you will find a GP, dentist and home care etc. For specialist care, you will have to go to a hospital (sairaalat).
  • To visit a hospital, you need a referral from your GP, unless it is an emergency.
  • Private insurance is required when applying for a visa.
  • Medicines can only be purchased at the pharmacy (apteekki). There is almost always a pharmacy in every village.
  • Call 112 for emergency medical services. You will then be taken to a hospital immediately.
  • The Finnish Association for Mental Health runs a crisis help centre, SOS Crisis Centre, for everyone living in Finland. This also applies to immigrants, asylum seekers, undocumented migrants etc. Visiting is free and help is available in Finnish, Arabic, English and Swedish.

How does the public healthcare system work in Finland?

  • Finland has a public healthcare system. The Finnish healthcare system is of high quality and available to all Finns and permanent residents.
  • EU/EEA citizens temporarily staying in Finland are entitled to public medical care upon presentation of a European Health Insurance Card (EHIC). People who are covered by social security in a Nordic country are also entitled to public healthcare at the same cost as Finns.
  • Some care is free, such as x-rays, maternity care and emergency care, but most care must be paid for out of pocket. It is often not expensive and there is a maximum co-payment for certain types of care.
  • Apply for a KELA insurance card with your residence permit and Finnish social security number. KELA stands for Kansaneläkelaitos and provides the compulsory health insurance. Without being registered with KELA, you are not insured against health costs in Finland. You will have to deal with KELA if you become ill, if you retire, if you become unemployed, if you want to go on maternity leave, if you want to receive rent subsidy, if you want to receive a study grant, etc. You will be automatically registered with a health centre in your area. It is not possible to use another practice, unless you fill out an application form for this at your own health centre.

How does the private healthcare system work in Finland?

  • Private healthcare serves as a supplement to public healthcare. Private healthcare providers account for about a quarter of all healthcare in Finland. You can partly reclaim the costs of private healthcare from your public insurance.
  • In the private sector, you will find health centres, dentists and specialists. It is of the same high quality as public healthcare, but you often have faster access to care.
  • Doctors in private institutions often work as self-employed persons and determine their own costs. These costs are usually based on the time a patient takes and possibly the specialisation of a doctor.

How is the general practitioner arranged in Finland?

  • To make an appointment with the GP, you call the health centre. The assistant will make an appointment with a doctor or nurse depending on your complaints. Bring your KELA card.
  • It can be difficult to make an appointment due to the busy health centres.
  • Referrals to specialists can be obtained via the GP.
  • In Finland, GPs generally do not make home visits. Some private clinics offer home visits and there is a fee for this. Private health services can be used by everyone, including people who do not have a permanent residence in Finland. Appointments are quicker at private clinics and the costs are considerably more expensive than at public health services.

How is the dentist arranged in Finland?

  • Public dental care is affordable. KELA pays part of the costs, depending on the treatment. Public dental care has long waiting lists.
  • In case of emergency, contact the local emergency dental service (suun terveydenhuollon päivystys). You will then be treated more quickly.

How is pregnancy care arranged in Finland?

  • Pregnant women who are permanent residents of Finland can, under certain conditions, receive a kind of maternity grant. You can find out more about this on the KELA website. Maternity care is otherwise free.
  • In Finland, women are expected to visit a maternity clinic as soon as they know they are pregnant, or at least before the end of the fourth month. The clinic monitors the health of the woman and the child and organizes pregnancy courses.
  • This clinic also provides care after childbirth.
  • Abortion is permitted when the pregnancy poses a risk to the mother's health or has a major impact on the mother's life. Women under 17 years and over 40 years can also have an abortion because of their age. Abortions are performed free of charge in hospitals.

How safe or unsafe is a trip or stay in Finland?

What should you pay attention to in terms of safety in Finland?

  • Finland has one of the lowest crime rates in the world. Street crime, such as pickpocketing, is rare, even in large cities like Helsinki.
  • It is one of the best places to raise children, with safe neighborhoods, good schools, and child-friendly amenities.
  • It is generally safe to walk alone at night, even in urban areas.
  • Demonstrations and protests are rare and usually peaceful. The country has a strong tradition of order and stability.
  • In the wild, you can encounter moose and sometimes bears, especially in Lapland. Elks can be dangerous if you are driving, so pay attention to warning signs.

What should you look out for in terms of diseases in Finland?

  • Temperatures can drop to -30°C or lower in winter, especially in Lapland. Frostbite and hypothermia are risks, when you are not prepared.
  • In summer, ticks that transmit Lyme disease or TBE (tick-borne encephalitis) can be found in forested areas. Check yourself after walks and consider a TBE vaccination if you spend a lot of time in nature.
  • The long, dark winters can cause some people to suffer from the winter blues. Make sure you have enough daylight or consider a daylight lamp.

What should you pay attention to when it comes to traffic in Finland?

  • The road network in Finland is excellent and traffic rules are strictly enforced. Driving is safe, even in remote areas.
  • The roads can become slippery in winter due to snow and ice. Winter tires are mandatory and it is wise to learn to drive in winter conditions.
  • Finland is bicycle-friendly, with good cycle paths, especially in cities. Make sure you use lights in winter, when it is often dark.
  • Pedestrians have priority almost everywhere, but always make eye contact with the driver before crossing.

What work and travel insurance policies are suitable for short and long stays in Finland?

  • Is the trip to Finland and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.

What emigration and expat insurance can you take out for Finland if you are going to live there for a while?

  • In many cases, for example for student visas, private insurance is a requirement for a visa application. Find out about this before you start your application. Even if it is not required, private insurance gives you the opportunity to get access to care more quickly, to get care abroad and offers coverage for medical repatriation, for example.
  • Read more about insurances for abroad on Expatinsurances.org.

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Why get specific insurance when going abroad: per activity abroad
Why should you take out specialized travel insurance for a long trip abroad?

Why should you take out specialized travel insurance for a long trip abroad?

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and posibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

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Why should you take out specific insurance when you go on a trip or vacation?

Why should you take out specific insurance when you go on a trip or vacation?

What is insurance for traveling abroad?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance, or repatriation costs if you need to be transported back home urgently. In some cases, travel insurance coverage also applies on domestic trips.
  • With annual travel insurance or multi-trip travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance or single-trip travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are abroad.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you plan to do.
  • Travel insurance can continue to provide coverage if your health insurance no longer provides coverage, or if the damage is only reimbursed at cost price of your home country.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel abroad?

  • That you have insurance that is valid in the country or countries that you are going to visit.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad.
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your travels.

Check out more about international insurances

Why should you take out specialized travel insurance for working abroad?

Why should you take out specialized travel insurance for working abroad?

Why should you take out specialized travel insurance for paid work, voluntary work or an internship abroad?

  • There may be several reasons why you need separate insurance when working abroad.
  • During work, internships, or volunteer work abroad where you receive financial compensation (or, for example, food or housing), your national health insurance coverage may expire. You will then need special insurance to remain insured for illness and accidents.
  • During specific work abroad, additional requirements may apply if your work involves additional risks. Only specific insurance policies offer coverage during this type of work.
  • During your work, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your work, local employers generally offer no or limited insurance that provides insufficient coverage.

What is important to insure when you are going to work abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work.

Check out more about international insurances

Why should you take out specialized travel insurance for volunteering abroad?

Why should you take out specialized travel insurance for volunteering abroad?

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.

What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.

Check out more about international insurances

Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.

Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.

What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

Why should you take out specialized travel insurance for studying abroad?

Why should you take out specialized travel insurance for studying abroad?

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

Why should you take out specialized insurance for moving abroad as an emigrant or an expat?

Why should you take out specialized insurance for moving abroad as an emigrant or an expat?

What is an emigration insurance and what is an expat insurance?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.
  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks

Check out more about international insurances

Why should you take out travel insurance and why through the JoHo Foundation?

Why should you take out travel insurance and why through the JoHo Foundation?

Why Insurances through JoHo

  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

  • Social: by purchasing an insurance through JoHo you provide a talented student in The Philippines with health insurance

Why Should You Take Out A Travel Insurance?

  • The chance of getting injured or ill is generally higher than when you would have stayed at home. The medical care you will need can be very expensive, even more so if you are treated in a private clinic.

  • If you have to fly back because of family circumstances, the flights might be more expensive than your original flight because you have to fly on short notice.

  • You might have to deal with the damage, loss or theft of your luggage.

  • In case of emergency it can be difficult to figure out what to do. A good travel insurance will have an assistance team on standby for you 24/7 and will be able to tell you what steps to take.

Why Should You Specifically Take Out A Travel Insurance For A Long Trip Abroad?

  • Often regular travel or health insurances only cover trips for a maximum number of days (for example 60, 90 or 180 days).

  • Depending on your home country, your health insurance might not offer any coverage for treatment abroad.

  • During a long trip you might consider specific activities, like paid work or volunteering. Regular travel insurances often don’t cover these kind of activities. The same goes for adventurous/ hazardous sports like skydiving, scuba-diving and bungee jumping.

More on why to use JoHo

  • JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialized insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy through JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer.

 

Read more about JoHo and JoHo Insurances

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Safety and insurances in Finland

How does healthcare work in Finland, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Finland, and what travel insurance, health insurance or expat insurance do you need?

How does the healthcare system work in Finland?

What is the quality of healthcare in Finland?

  • In Finland, health care is of good quality and there is a choice of public and private institutions.
  • The health care system is divided into primary and specialist care. Primary care is provided at health centres (terveysasemat) where you will find a GP, dentist and home care etc. For specialist care, you will have to go to a hospital (sairaalat).
  • To visit a hospital, you need a referral from your GP, unless it is an emergency.
  • Private insurance is required when applying for a visa.
  • Medicines can only be purchased at the pharmacy (apteekki). There is almost always a pharmacy in every village.
  • Call 112 for emergency medical services. You will then be taken to a hospital immediately.
  • The Finnish Association for Mental Health runs a crisis help centre, SOS Crisis Centre, for everyone living in Finland. This also applies to immigrants, asylum seekers, undocumented migrants etc. Visiting is free and help is available in Finnish, Arabic, English and Swedish.

How does the public healthcare system work in Finland?

  • Finland has a public healthcare system. The Finnish healthcare system is of high quality and available to all Finns and permanent residents.
  • EU/EEA citizens temporarily staying in Finland are entitled to public medical care upon presentation of a European Health Insurance Card (EHIC). People who are covered by social security in a Nordic country are also entitled to public healthcare at the same cost as Finns.
  • Some care is free, such as x-rays, maternity care and emergency care, but most care must be paid for out of pocket. It is often not expensive and there is a maximum co-payment for certain types of care.
  • Apply for a KELA insurance card with your residence permit and Finnish social security number. KELA stands for Kansaneläkelaitos and provides the compulsory health insurance. Without being registered with KELA, you are not insured against health costs in Finland. You will have to deal with KELA if you become ill, if you retire, if you become unemployed, if you want to go on maternity leave, if you want to receive rent subsidy, if you want to receive a study grant, etc. You will be automatically registered with a health centre in your area. It is not possible to use another practice, unless you fill out an application form for this at your own health centre.

How does the private healthcare system work in Finland?

  • Private healthcare serves as a supplement to public healthcare. Private healthcare providers account for about a quarter of all healthcare in Finland. You can partly reclaim the costs of private healthcare from your public insurance.
  • In the private sector, you will find health centres, dentists and specialists. It is of the same high quality as public healthcare, but you often have faster access to care.
  • Doctors in private institutions often work as self-employed persons and determine their own costs. These costs are usually based on the time a patient takes and possibly the specialisation of a doctor.

How is the general practitioner arranged in Finland?

  • To make an appointment with the GP, you call the health centre. The assistant will make an appointment with a doctor or nurse depending on your complaints. Bring your KELA card.
  • It can be difficult to make an appointment due to the busy health centres.
  • Referrals to specialists can be obtained via the GP.
  • In Finland, GPs generally do not make home visits. Some private clinics offer home visits and there is a fee for this. Private health services can be used by everyone, including people who do not have a permanent residence in Finland. Appointments are quicker at private clinics and the costs are considerably more expensive than at public health services.

How is the dentist arranged in Finland?

  • Public dental care is affordable. KELA pays part of the costs, depending on the treatment. Public dental care has long waiting lists.
  • In case of emergency, contact the local emergency dental service (suun terveydenhuollon päivystys). You will then be treated more quickly.

How is pregnancy care arranged in Finland?

  • Pregnant women who are permanent residents of Finland can, under certain conditions, receive a kind of maternity grant. You can find out more about this on the KELA website. Maternity care is otherwise free.
  • In Finland, women are expected to visit a maternity clinic as soon as they know they are pregnant, or at least before the end of the fourth month. The clinic monitors the health of the woman and the child and organizes pregnancy courses.
  • This clinic also provides care after childbirth.
  • Abortion is permitted when the pregnancy poses a risk to the mother's health or has a major impact on the mother's life. Women under 17 years and over 40 years can also have an abortion because of their age. Abortions are performed free of charge in hospitals.

How safe or unsafe is a trip or stay in Finland?

What should you pay attention to in terms of safety in Finland?

  • Finland has one of the lowest crime rates in the world. Street crime, such as pickpocketing, is rare, even in large cities like Helsinki.
  • It is one of the best places to raise children, with safe neighborhoods, good schools, and child-friendly amenities.
  • It is generally safe to walk alone at night, even in urban areas.
  • Demonstrations and protests are rare and usually peaceful. The country has a strong tradition of order and stability.
  • In the wild, you can encounter moose and sometimes bears, especially in Lapland. Elks can be dangerous if you are driving, so pay attention to warning signs.

What should you look out for in terms of diseases in Finland?

  • Temperatures can drop to -30°C or lower in winter, especially in Lapland. Frostbite and hypothermia are risks, when you are not prepared.
  • In summer, ticks that transmit Lyme disease or TBE (tick-borne encephalitis) can be found in forested areas. Check yourself after walks and consider a TBE vaccination if you spend a lot of time in nature.
  • The long, dark winters can cause some people to suffer from the winter blues. Make sure you have enough daylight or consider a daylight lamp.

What should you pay attention to when it comes to traffic in Finland?

  • The road network in Finland is excellent and traffic rules are strictly enforced. Driving is safe, even in remote areas.
  • The roads can become slippery in winter due to snow and ice. Winter tires are mandatory and it is wise to learn to drive in winter conditions.
  • Finland is bicycle-friendly, with good cycle paths, especially in cities. Make sure you use lights in winter, when it is often dark.
  • Pedestrians have priority almost everywhere, but always make eye contact with the driver before crossing.

What work and travel insurance policies are suitable for short and long stays in Finland?

  • Is the trip to Finland and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.

What emigration and expat insurance can you take out for Finland if you are going to live there for a while?

  • In many cases, for example for student visas, private insurance is a requirement for a visa application. Find out about this before you start your application. Even if it is not required, private insurance gives you the opportunity to get access to care more quickly, to get care abroad and offers coverage for medical repatriation, for example.
  • Read more about insurances for abroad on Expatinsurances.org.

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Activities abroad: home page

Activities abroad: home page

From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.

    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.

    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

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      Ystävänpäivä

      Valentine’s Day is in Finnish called Ystävänpäivä and the idea is to celebrate friendship. Ystävänpäivä in Finland is a public declaration of friendship since 1980. Friends give each other gifts and cards. This date is not connected to romantic invo...

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