Blog
May 21, 2026
When planning fertility treatments in the private sector, one of the first questions patients ask is about costs and available financial support. In Finland, the social insurance institution reimburses a portion of the expenses for private fertility treatments, provided certain medical criteria are met.
At Ovumia, we believe in transparent pricing. Here is a clear breakdown of who is eligible for Kela reimbursement in 2026 and how the system works at our clinics.
Publicly funded Kela reimbursement is granted only if infertility is classified and diagnosed as a medical condition. The treatment must also be performed or prescribed by a specialist doctor in obstetrics and gynecology.
You may be eligible for Kela reimbursement if:
You have a diagnosed medical reason for infertility (e.g., ovulatory disorders, endometriosis, or reduced sperm parameters).
The person undergoing the treatment is under 43 years old. (For patients over 43, eligibility is assessed on a highly individualized basis).
A common point of confusion surrounds treatments using donor gametes. If a single woman or a female couple undergoes fertility treatment purely due to the absence of a male partner—without an underlying biological illness causing infertility—Kela does not currently reimburse the treatment costs. However, if a medical reason for infertility is diagnosed during the initial examinations, Kela reimbursements may apply.
While exact amounts vary based on the specific procedure, Kela generally covers roughly 25% to 40% of the costs for eligible treatments.
Reimbursable services include:
In Vitro Fertilization (IVF) and Intracytoplasmic Sperm Injection (ICSI)
Frozen Embryo Transfers (FET)
Gynecologist appointments and ultrasound examinations
Infertility examinations (such as semen analysis and AMH measurements)
Additionally, the hormonal medications required for IVF treatments are covered under the national medicine reimbursement scheme, which includes an annual out-of-pocket maximum to protect you from excessive pharmacy costs.
We want to make your journey as stress-free as possible. Ovumia clinics utilize the Kela direct reimbursement system.
This means that if you meet the medical criteria, the Kela reimbursement is deducted directly from your invoice at the clinic's checkout. You simply need to present your Kela card, and we handle the paperwork. You do not need to apply for the reimbursement yourself afterwards.
Yes, provided that there is a diagnosed medical reason for the infertility and the woman undergoing treatment is under 43 years of age. At Ovumia, this is deducted directly at the checkout.
No. Reimbursement requires a documented medical diagnosis causing infertility. If treatments are carried out solely due to social reasons or the lack of a partner, Kela funding does not apply unless a medical issue is discovered during examinations.
The easiest way to understand the exact costs of your specific treatment path is to book an initial consultation. Our fertility specialists will evaluate your medical history, determine your eligibility for Kela reimbursements, and provide a comprehensive, transparent treatment plan.
Book an Initial Consultation & Get a Cost Estimate
