{"id":21467,"date":"2024-02-29T16:03:50","date_gmt":"2024-02-29T15:03:50","guid":{"rendered":"https:\/\/www.foyerglobalhealth.com\/?post_type=destinationcpt&#038;p=21467"},"modified":"2025-06-18T11:18:43","modified_gmt":"2025-06-18T09:18:43","slug":"assurance-sante-pour-expatries-en-finlande","status":"publish","type":"destinationcpt","link":"https:\/\/globalhealth.insurance\/fr\/destination\/assurance-sante-pour-expatries-en-finlande\/","title":{"rendered":"Assurance sant\u00e9 pour expatri\u00e9s en Finlande"},"content":{"rendered":"\n<p>Pr\u00eats \u00e0 partir pour la Finlande, tout au nord de l\u2019Europe ? Celle que l\u2019on surnomme \u00ab le pays des mille lacs \u00bb vous appelle pour une nouvelle vie nordique fantastique, peut-\u00eatre au c\u0153ur d\u2019une farandole de for\u00eats ou d\u2019une m\u00e9tropole magique ! Et c\u00f4t\u00e9 nature comme c\u00f4t\u00e9 sant\u00e9, la terre des saunas n\u2019a rien \u00e0 envier \u00e0 <a href=\"https:\/\/www.foyerglobalhealth.com\/fr\/destination\/assurance-sante-internationale-pour-expatries-en-suede\/\">sa voisine scandinave<\/a>, la Su\u00e8de. On vous donne quelques cl\u00e9s pour d\u00e9crypter le syst\u00e8me de sant\u00e9 finlandais et comment y acc\u00e9der, avec Global Health toujours \u00e0 vos c\u00f4t\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-un-systeme-de-sante-universel-de-qualite-accessible-aux-expatries\"><span lang=\"FR\">Un syst\u00e8me de sant\u00e9 universel de qualit\u00e9 accessible aux expatri\u00e9s<\/span> <\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-une-prise-en-charge-medicale-parmi-les-meilleures\">Une prise en charge m\u00e9dicale parmi les meilleures<\/h3>\n\n\n\n<p>Dans le <a href=\"https:\/\/www.oecd-ilibrary.org\/docserver\/7a7afb35-en.pdf?expires=1709046982&amp;id=id&amp;accname=guest&amp;checksum=246A83F95ADE21F7CDB99AB93952418C\" target=\"_blank\" rel=\"noreferrer noopener\">dernier rapport de l\u2019OCDE<\/a> portant sur les syst\u00e8mes de sant\u00e9 de ses \u00c9tats membres, la Finlande obtient de meilleurs r\u00e9sultats que la moyenne de l\u2019OCDE en termes de <strong>qualit\u00e9 <\/strong>et d\u2019<strong>accessibilit\u00e9 des services de sant\u00e9<\/strong>. Les infrastructures de sant\u00e9 ainsi que les services m\u00e9dicaux finlandais, dans le public comme dans le priv\u00e9, sont de tr\u00e8s bonne qualit\u00e9 et sont accessibles \u00e0 travers tout le pays. N\u00e9anmoins, dans le public, la prise en charge m\u00e9dicale peut \u00eatre longue, en particulier pour les services m\u00e9dicaux sp\u00e9cialis\u00e9s.<\/p>\n\n\n\n<p>De nombreux expatri\u00e9s choisissent ainsi de s\u2019orienter vers le <strong>secteur priv\u00e9<\/strong> o\u00f9 les d\u00e9lais d\u2019attente sont beaucoup moins longs que dans le public et o\u00f9 le personnel soignant est <strong>anglophone<\/strong> (les deux langues nationales sont le finnois et le su\u00e9dois).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-un-systeme-universel-accessible-aux-expatries\">Un syst\u00e8me universel accessible aux expatri\u00e9s<\/h3>\n\n\n\n<p>Tr\u00e8s d\u00e9centralis\u00e9, le syst\u00e8me de sant\u00e9 finlandais, g\u00e9r\u00e9 par Helsinki, le groupe HUS et les comt\u00e9s de services de bien-\u00eatre (<em>hyvinvointialueet<\/em>), repose essentiellement sur des infrastructures de sant\u00e9 publiques (majoritaires) pour offrir des services de sant\u00e9 \u00e0 toute personne r\u00e9sidente dans le pays, y compris les expatri\u00e9s. Le secteur priv\u00e9 de la sant\u00e9 finlandais offre des <strong>services compl\u00e9mentaires<\/strong> des services publics, pr\u00e9pond\u00e9rants dans les secteurs ambulatoire et hospitalier, particuli\u00e8rement en mati\u00e8re de soins sp\u00e9cialis\u00e9s.&nbsp;<\/p>\n\n\n\n<p>Le r\u00e9gime national d\u2019assurance maladie, auquel peuvent s\u2019affilier les expatri\u00e9s, fait partie du syst\u00e8me de s\u00e9curit\u00e9 sociale finlandais et est g\u00e9r\u00e9 par le Kela (l\u2019agence nationale de s\u00e9curit\u00e9 sociale).<\/p>\n\n\n\n<p>Dans le public, les<strong> services de sant\u00e9 primaires<\/strong> (consultations m\u00e9dicales, vaccination, soins dentaires\u2026) sont assur\u00e9s par des centres de sant\u00e9 municipaux (<em>terveysasemat<\/em>) o\u00f9 le corps infirmier joue un r\u00f4le important dans la prise en charge m\u00e9dicale.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\" id=\"h-focus-le-pays-du-sauna\">Focus : le pays du sauna !<\/h3>\n\n\n\n<p>Le sauna joue un r\u00f4le cl\u00e9 dans la <a href=\"https:\/\/www.foyerglobalhealth.com\/fr\/blog\/bien-etre-etre-en-bonne-sante-passe-par-le-corps-et-lesprit\/\">sant\u00e9 physique et mentale<\/a> des Finlandais. Il fait partie int\u00e9grante du mode de vie des habitants qui lui pr\u00eatent des bienfaits pour toutes sortes de maux, du simple rhume \u00e0 la d\u00e9pression en passant par les courbatures. \u00c0 tenter une fois sur place pour booster votre bien-\u00eatre !<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized is-style-rounded\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.foyerglobalhealth.com\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-1024x683.jpg\" alt=\"sauna finland\" class=\"wp-image-21470\" style=\"width:316px;height:auto\" srcset=\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-1024x683.jpg 1024w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-300x200.jpg 300w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-768x513.jpg 768w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-1536x1025.jpg 1536w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2024\/02\/pexels-max-rahubovskiy-8092430-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<aside class=\"wp-block-group fgh-cta has-global-padding is-layout-constrained wp-container-core-group-is-layout-56a9e311 wp-block-group-is-layout-constrained\" style=\"padding-right:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-columns has-primary-lighter-background-color has-background is-layout-flex wp-container-core-columns-is-layout-5f5af736 wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column is-vertically-aligned-stretch is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"818\" src=\"https:\/\/www.foyerglobalhealth.com\/wp-content\/uploads\/2023\/10\/MicrosoftTeams-image-1024x818.jpg\" alt=\"\" class=\"wp-image-19607\" srcset=\"https:\/\/globalhealth.insurance\/wp-content\/uploads\/2023\/10\/MicrosoftTeams-image-1024x818.jpg 1024w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2023\/10\/MicrosoftTeams-image-300x240.jpg 300w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2023\/10\/MicrosoftTeams-image-768x614.jpg 768w, https:\/\/globalhealth.insurance\/wp-content\/uploads\/2023\/10\/MicrosoftTeams-image.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:55%\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-8cce3891 wp-block-group-is-layout-flex\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<h2 class=\"wp-block-heading has-primary-dark-color has-text-color has-link-color has-extra-large-font-size wp-elements-af6d7ac9d0639b2c57b6f526b9752b89\" id=\"h-besoin-d-une-assurance-sante-nbsp\" style=\"font-style:normal;font-weight:700;line-height:1.2\"><strong>Besoin d\u2019une assurance sant\u00e9&nbsp;?<\/strong><\/h2>\n\n\n\n<p class=\"has-normal-font-size\">Obtenez un devis gratuit d\u00e8s aujourd\u2019hui. Il vous suffit juste de cliquer sur ce bouton.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--60);flex-basis:20%\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-plain-black-arrow-right has-custom-font-size has-small-font-size fgh-has-icon-button-left\" style=\"--data-fgh-icon-button-left:'&#xf05a;'\"><a class=\"wp-block-button__link has-white-color has-primary-dark-background-color has-text-color has-background has-link-color wp-element-button\">Recevoir un devis<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/aside>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-beneficier-de-l-assurance-maladie-nationale-en-tant-qu-expat\"><span lang=\"FR\">Comment b\u00e9n\u00e9ficier de l\u2019assurance maladie nationale en tant qu\u2019expat ?<\/span> <\/h2>\n\n\n\n<p>Pour \u00eatre affili\u00e9 au syst\u00e8me d\u2019assurance maladie nationale, il faut \u00eatre domicili\u00e9 dans une <strong>commune finlandaise<\/strong>. Vous pouvez d\u00e8s votre arriv\u00e9e effectuer une demande d\u2019affiliation au syst\u00e8me d\u2019assurance maladie nationale au bureau d\u2019enregistrement local ou directement<a href=\"https:\/\/www.kela.fi\/how-to-apply-for-entitlement-to-medical-care-in-finland\" target=\"_blank\" rel=\"noreferrer noopener\"> en ligne<\/a>. Un <strong>num\u00e9ro de s\u00e9curit\u00e9 sociale<\/strong> vous sera attribu\u00e9 et vous pourrez ainsi recevoir votre <strong>carte d\u2019assurance maladie<\/strong>, la carte Kela, que vous devrez pr\u00e9senter lors de tout rendez-vous m\u00e9dical. Vous serez automatiquement inscrit dans le centre de sant\u00e9 le plus proche de votre lieu de r\u00e9sidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quel-est-le-cout-des-services-de-sante-en-finlande\">Quel est le co\u00fbt des services de sant\u00e9 en Finlande ?<\/h3>\n\n\n\n<p>Si, dans le public, les services de sant\u00e9 ne sont pas compl\u00e8tement gratuits, ils sont <strong>majoritairement pris en charge par l\u2019assurance maladie finlandaise<\/strong>. Les frais sont relativement bas par rapport \u00e0 d\u2019autres pays d\u2019Europe. En r\u00e9alit\u00e9, le syst\u00e8me de sant\u00e9 finlandais est bas\u00e9 sur le principe des tickets mod\u00e9rateurs qui correspondent \u00e0 la participation demand\u00e9e au patient (environ 10%) et qui varient d\u2019une municipalit\u00e9 \u00e0 l\u2019autre. Les frais m\u00e9dicaux sont plafonn\u00e9s (\u00e0 la fois en termes de nombre de visites et de montant pay\u00e9 par le patient). Par exemple, pour une visite chez le g\u00e9n\u00e9raliste co\u00fbte 20\u20ac. Il faut savoir que si vous ne vous pr\u00e9sentez pas \u00e0 un rendez-vous m\u00e9dical, vous devrez payer un montant forfaitaire \u00e9quivalent \u00e0 50\u20ac.<\/p>\n\n\n\n<p>Dans le priv\u00e9, les services de sant\u00e9 sont beaucoup plus <strong>on\u00e9reux<\/strong> que dans le public. Si vous \u00eates couverts par l\u2019assurance maladie finlandaise, vous aurez seulement droit au remboursement d\u2019une petite partie de vos frais m\u00e9dicaux. Aussi, il est pr\u00e9f\u00e9rable d\u2019opter pour une assurance sant\u00e9 priv\u00e9e internationale pour s\u2019assurer une couverture sant\u00e9 compl\u00e8te et flexible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-choisir-foyer-global-health-pour-votre-expatriation-en-finlande\">Pourquoi choisir Global Health pour votre expatriation en Finlande ?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nous vous offrons une <strong>assurance flexible, sur mesure et efficace<\/strong> pour votre s\u00e9jour en Finlande et partout ailleurs dans le monde<\/li>\n\n\n\n<li>Nous vous proposons <a href=\"https:\/\/www.foyerglobalhealth.com\/fr\/produits-services\/nos-produits\/comparez-nos-couvertures-assurance-sante-internationale\/\">plusieurs niveaux de couverture <\/a><strong>selon vos besoins et votre profil<\/strong> \u00e0 un prix comp\u00e9titif<\/li>\n\n\n\n<li>Vous \u00eates rembours\u00e9s dans les <strong>meilleurs d\u00e9lais<\/strong><\/li>\n\n\n\n<li>Vous pouvez <strong>choisir en toute libert\u00e9<\/strong> le prestataire de soins dans le public comme dans le priv\u00e9<\/li>\n\n\n\n<li>Un service d\u2019<strong>assistance m\u00e9dicale d\u2019urgence<\/strong> multilingue accessible 24h\/24<\/li>\n<\/ul>\n\n\n\n<p>Pour b\u00e9n\u00e9ficier de conseils personnalis\u00e9s, <a href=\"mailto:onlinesales@foyerglobalhealth.com\" target=\"_blank\" rel=\"noreferrer noopener\">contactez nos experts<\/a> d\u00e8s aujourd\u2019hui ! Ils sauront vous aiguiller vers le plan d\u2019assurance qui vous conviendra le mieux pour votre s\u00e9jour en Finlande ! Vous pouvez \u00e9galement simuler un devis gratuitement :<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-plain-black-arrow-right\"><a class=\"wp-block-button__link has-white-color has-primary-normal-to-coral-light-gradient-background has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/application.foyerglobalhealth.com\/client&amp;lang=fr\" target=\"_blank\" rel=\"noreferrer noopener\">Obtenir mon devis<\/a><\/div>\n<\/div>\n","protected":false},"author":8,"featured_media":21469,"template":"","class_list":["post-21467","destinationcpt","type-destinationcpt","status-publish","has-post-thumbnail","hentry"],"acf":{"post_subtitle":"","post_badge":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance sant\u00e9 pour expatri\u00e9s en Finlande | Global Health<\/title>\n<meta name=\"description\" content=\"Foyer Global Health offre aux expatri\u00e9s en Finlande une couverture sant\u00e9 priv\u00e9e flexible et efficace partout dans le monde.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/globalhealth.insurance\/fr\/destination\/assurance-sante-pour-expatries-en-finlande\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance sant\u00e9 pour expatri\u00e9s en Finlande | Global Health\" \/>\n<meta property=\"og:description\" content=\"Foyer Global Health offre aux expatri\u00e9s en Finlande une couverture sant\u00e9 priv\u00e9e flexible et efficace partout dans le monde.\" \/>\n<meta property=\"og:url\" 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