Kela · DVV · 2026

Are you covered by Kela in Finland?

Kela coverage does not arise automatically. Kela assesses social-security status on grounds such as permanent residence or employment, and each benefit has its own separate conditions.

Four separate things get treated as one: Kela coverage, the municipality of residence, the Kela card, and entitlement to a named benefit. Holding a residence permit or a municipality of residence does not by itself create entitlement to every Kela benefit.

Your situation

How you are moving to FinlandKela assesses permanent residence under its own rules; the permit type alone does not decide it.

I work in FinlandWork-based coverage is a route of its own, separate from permanent residence.

Gross monthly earnings (EUR)For 2026 Kela names EUR 800.02 a month as the threshold for work-based coverage.

I have a municipality of residence registered at DVVHolding a personal identity code does not mean the municipality of residence is registered.I hold an A1 certificate from another country (posting)With an A1 you remain in the sending country's system, so Finnish coverage generally does not arise.I have notified Kela of the move (OmaKela or form Y77e)The notification is a separate step from applying for a benefit.

Four separate answers

Make your selections and the four concepts are assessed separately here.

Kela social-security coverageAssessed separatelyYou have declared a permanent move; Kela assesses permanent residence under its own rules.
Municipality of residenceLikely noNot registered. It is a separate DVV decision and it governs access to municipal services.
Public healthcare entitlementAssessed separatelyWithout one, public-care entitlement can still be established through a Kela document, EHIC or Nordic rules, or EU coordination.
Entitlement to named benefitsAssessed separatelyEach benefit needs its own application and its own assessment. Do not assume a benefit is granted before a decision has been made.

What to do next

· Notify Kela of your move — OmaKela or form Y77e.
· Apply separately for each benefit you need.
· A Kela card is not proof of entitlement to every benefit; verify healthcare access separately.

Let us settle your coverage positionWhere earnings sit close to the threshold, or the assignment is temporary, the assessment is individual.

Read the Kela guide

This tool applies published rules and does not decide on Kela's behalf. Kela assesses coverage; DVV decides the municipality of residence. Verify your own situation on the day you file.