Newsletter September

Reminder: The development survey is open until September 7!


Kone’s Employee Benefit Fund invites all insured members to respond to the satisfaction survey, which helps improve the fund’s services, benefits, and communication. The survey takes about 10 minutes, and every response matters!

📩 The survey link has been sent to insured members by email.
By responding, you can make a difference!

Claiming reimbursement for physiotherapy – remember the required documents

Starting from May 1, 2025, you can claim reimbursement for the first four physiotherapy sessions via OmaKela. Instructions are available on the insurance fund’s website www.vakuutuskassa.com . Please ensure your application includes all of the following documents:

  • SV 3FS form: Completed by the physiotherapist, detailing the treatment and fees
  • SV 127 reimbursement application: Fill in sections 1, 2, and 4
  • Invoice or receipt

📩 The application is forwarded to the insurance fund, which reimburses 75% of the cost.


💡 Reimbursement for additional sessions can be claimed via Iris once the first four Kela-covered sessions are completed.


🔍 You can check in OmaKela whether the first four sessions have already been reimbursed. After that, you can apply directly in Iris.


📌 Submit all required documents at once – this speeds up processing by the insurance fund!

Temporary Increase in Membership Fee – To Stabilize Finances

Last week, we sent out a notice regarding a temporary increase in the insurance contribution. In the spring meeting, it was decided to raise the insured members’ monthly fee to €31 starting from September. The decision is based on a significant increase in reimbursements during 2025, which has weakened the financial position of the insurance fund.

📌 The insurance fund’s board has decided on a temporary €2 increase for the period September 1 – December 31, 2025, to stabilize the fund before the new rules come into effect.

💡 During the autumn, the insurance fee may be as high as €33, when the temporary increase is combined with the new rule-based fee level.

  • The current fee is €29
  • With the temporary increase, the fee is €31
  • Once the new rules are in force, the fee will be €33 (including the temporary €2 increase and the rule-based €2 increase)
  • 🔔 Note: The temporary increase ends on December 31, 2025, and starting from January 2026, the fee will be €31 in accordance with the new rules.

📄 More information about the background of the increase and the decision-making based on the fund’s rules can be found in the previously published news article.

New freedom-of-choice pilot for those aged 65 and over started on September 1, 2025

This two-year national pilot allows people aged 65 and over to access private general practitioner services at the same price as public healthcare (maximum €28.20). The goal is to improve access to care, increase freedom of choice, and reduce the burden on public healthcare.

✅ Kela pays part of the cost directly to the service provider
✅ Reimbursement is available for up to three visits per year (two in 2025)
✅ Common tests such as blood work and chest X-rays are also covered
✅ The pilot runs until the end of 2027

The service provider must have an agreement with Kela. The pilot supports continuity of care by allowing patients to see a familiar doctor. The costs related to the freedom of choice trial are always handled at the location where the service is used (e.g., Mehiläinen or Terveystalo). The portion covered by Kela is processed by Kela, not by the benefit fund. After that, reimbursement for the remaining deductible can be applied for through Iris.

You can read more on the Kela website:

https://www.kela.fi/pilot-study-on-freedom-of-choice-in-healthcare-for-persons-aged-65-or-over

Benefit Fund’s Autumn Meeting – November 25, 2025

The autumn meeting of Kone’ Employee Benefit Fund for Staff will be held on Tuesday, November 25, 2025. New board members and deputy members will be elected to replace those whose terms are ending. Each year, two board members and their deputies are up for re-election.

What is expected from a board member?

Serving on the insurance fund’s board is a position of trust, aimed at promoting the interests of insured members and ensuring responsible fund operations. Board members and deputies must be reputable individuals who are not legally incapacitated, bankrupt, or banned from business operations. In addition, board members are expected to:

  • Actively participate in meetings and decision-making
  • Be well-informed about the fund’s rules and operations
  • Collaborate and contribute to service development
  • Maintain confidentiality and act responsibly
  • This role offers a real opportunity to influence the development and direction of the insurance fund.

The autumn meeting is an important opportunity to participate in the fund’s governance. The official meeting invitation will be sent in accordance with the fund’s rules, no earlier than four weeks before the meeting.