Occupational health for entrepreneurs is a voluntary occupational health agreement that a YEL-insured entrepreneur signs for themselves.
Invoices for treatment, medical services, examinations and consultations are billed based on actual use.
The 50% Kela reimbursement for eligible treatment costs is applied directly to the invoice rather than being claimed after the end of the financial year.
All occupational health expenses, including those exceeding the Kela reimbursement limit, are treated as business expenses.
Entrepreneurs with valid YEL insurance, including sole proprietors (toiminimi), self-employed entrepreneurs (yksinyrittäjä) and freelancers, can sign a voluntary occupational health agreement with a medical centre and access healthcare services for the treatment of conditions that affect their ability to work.
Unlike occupational healthcare for employees, there is no predefined package of healthcare services. Entrepreneurs can use medical services as needed and pay only for the services they actually use.
Occupational health for entrepreneurs is designed for YEL-insured entrepreneurs whose income depends directly on their own ability to work.
If a business hires employees, it becomes legally required to arrange separate statutory occupational healthcare services for them.
An occupational healthcare agreement helps entrepreneurs:
An entrepreneur's most valuable asset is their health and ability to work. Many entrepreneurs choose an occupational healthcare agreement to gain fast access to comprehensive healthcare for the treatment of conditions that affect their ability to work and to help maintain their work capacity.
The additional value of the agreement is that it gives the entrepreneur the opportunity to reduce their taxable income by deducting all occupational health expenses. The Kela reimbursement within the reimbursement limit is applied immediately when paying for the service, rather than at the end of the financial year.
The purpose of the agreement is to give entrepreneurs a straightforward adn easy way to look after their health and ability to work through their business.
Entrepreneurs pay only for the services they actually use.
An occupational healthcare agreement can include, for example:
The first invoice for the statutory occupational health component, after the Kela reimbursement, is €148.
Charges for treatment, medical services, examinations and consultations are based on actual use. This model is suitable for entrepreneurs who want the flexibility to use healthcare services when needed while managing healthcare expenses through their business. Kela reimbursement may cover up to 60% of eligible costs and is applied directly to the invoice.
If an entrepreneur does not have any employees, occupational healthcare for the entrepreneur is not mandatory.
Entrepreneurs can voluntarily sign an occupational healthcare agreement for themselves. This includes, for example, YEL-insured entrepreneurs, sole proprietors (toiminimi), self-employed entrepreneurs (yksinyrittäjä) and freelancers.
If a company hires employees, the employer is legally required to arrange statutory occupational healthcare for its employees. In that case, the issue is no longer only the entrepreneur's voluntary occupational healthcare agreement but also the employer's legal obligation towards its employees.
If your company has employees, please see our page on statutory occupational health services.
Yes. This is one of the main benefits of an occupational healthcare agreement for entrepreneurs.
If the services are related to maintaining the entrepreneur's ability to work and meet the applicable requirements, occupational healthcare expenses may be treated as business expenses. This may reduce the taxable income of the entrepreneur or the business.
Entrepreneurs can use the healthcare services they need and then record the corresponding expenses in the accounting, provided the applicable requirements are met.
Entrepreneurs may receive Kela reimbursement for approved occupational healthcare expenses, when the requirements are met.
In general, Kela reimbursement requires the entrepreneur to have valid YEL or MYEL insurance and for the occupational healthcare services to be arranged in accordance with Kela's requirements.
It is important to understand the difference between tax deductibility and Kela reimbursement. Occupational healthcare expenses may qualify as business expenses for accounting and tax purposes, while Kela reimbursement is subject to Kela's own eligibility rules.
Occupational healthcare for entrepreneurs and occupational healthcare for employees are two different things.
This is a voluntary agreement that entrepreneurs arrange for themselves.
Entrepreneurs can access healthcare services, examinations and consultations that support their ability to work, paying only for the services they actually use. The related expenses may be treated as business expenses, when the requirements are met.
Occupational healthcare for employees is a statutory obligation for employers if they have employees.
The minimum requirement is statutory preventive occupational healthcare services. Employers can also choose to include medical treatment for employees as part of the agreement.
1. Calculate the price online
Enter your business details to receive an initial estimate of the cost of an occupational healthcare agreement for entrepreneurs.
2. Sign an occupational healthcare agreement
A written occupational healthcare agreement is prepared for the entrepreneur.
3. Use the healthcare services you need
Once the agreement is done, you can access examinations, appointments and other healthcare services as needed.
4. Pay only for the services you use
Entrepreneurs do not pay for a fixed service package. Instead, they pay only for the healthcare services they actually use.
5. Record the costs in your company's accounts
Occupational healthcare expenses can be treated as business expenses, when the requirements are met. Eligibility for Kela reimbursement is assessed separately in accordance with Kela's reimbursement rules.
We specialize in occupational healthcare for small businesses.
Our roots are grounded in Finnish values. We pay our taxes exclusively in Finland.
Our services are licensed and comply with all regulatory requirements.
Medfin provides occupational healthcare services for entrepreneurs through its own medical centre and a partner network.
The Medfin medical centre is located in Helsinki, near Ruoholahti metro station. In other cities of Finland, occupational healthcare services are provided through our partner network in around 60 cities.
This is well suited to entrepreneurs who work in different locations, travel frequently for business or want the flexibility to access services wherever they are.
With Medfin, entrepreneurs get one clear occupational health agreement, access to services in Helsinki and through the partner network in other cities, as well as remote appointments when appropriate.
Ruoholahti metro station. Free parking for the customers.
Together with our partners, we provide medical services for customers across the country.
More information about occupational healthcare for entrepreneurs, Kela reimbursement and the tax treatment of occupational healthcare expenses from the official sources:
Occupational healthcare for entrepreneurs allows you to arrange healthcare services through your business while supporting your ability to work.
There is no fixed service package. You pay only for the healthcare services you actually use. Occupational healthcare expenses may be recorded as business expenses, when the requirements are met.
The page has been reviewd by general practitioner Valeria Dansson.
Updated on 31.7.2026
