Operatives 46302

Operatives

Members of the employee benefit fund are operative members of any shareholder within the EBF’s range of operation, whose employment is not short-term or temporary.
A membership fee is 1,6 % of taxable earned income. The KELA card must bear the employment benefit fund identification number: 46302.
Additional benefits are benefits paid in addition to those paid by KELA for such purposes as: doctors’ fees, lab tests, dental care, glasses, et al.

  • doctor’s fee is reimbursed at 100 percent of the original cost for:
    • a visit to a doctor (when it is Kela-reimbursable)
    • examinations carried out by a doctor, if they are needed because of an illness
    • procedures carried out by a doctor, if they are needed because of an illness (treatment fee is reimbursed by up to EUR 200 per procedure)
    • NB! Bigger operations and procedures are reimbursed according to the rules, paragraph 14.7
  • Infertility treatments, haemodialysis or cancer treatments in the private sector will not be reimbursed

How to claim:

  • when visiting a clinic with an invoicing contract, you present your Kela-card with the EBF number and the clinic will send the invoice directly to the EBF.
  • if you visit a private clinic with which EBF does not have an invoicing contract, you have to pay the cost yourself. The Kela reimbursement can be deducted from the price. If the Kela reimbursement is not deducted, you need to fill in the claim form SV 127e and send it to EBF along with the invoice and the Kela form SV 120 filled out by the clinic.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through OmaKela (www.kela.fi) if the Kela reimbursement has not been deducted from the invoice
    • through Iris e-service

  • treatment fee is reimbursed by up to EUR 200 per visit
  • if you are considering being a private patient in a hospital or a private clinic for surgery or treatment, ask for a cost estimate for each treatment, after which you can ask the fund whether they are reimbursed

How to claim:

  • send the invoice to EBF.
  • file your claim within 6 months of the original expense.
  • send the invoice to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • medical testing and examinations prescribed by a doctor and needed because of an illness are reimbursed at 100 per cent (except for MRI)
  • MRI is reimbursed at 80 %
  • MRI: Payment commitment is not needed for MRI in future. When visiting a private healthcare provider with an invoicing contract; Synlab, Helsingin Magneettitutkimus, Keravan Magneettitutkimus, Mehiläinen, Pihlajalinna, present your Kela-card with the EBF number 46302 and they will charge EBF directly and only charge you the deductible. Invoicing contract does not apply to Aava or Terveystalo because of their higher prices, so you have to pay the MRI yourself and claim reimbursement from EBF afterwards. Please note, that because of the higher prices your deductible is higher, as well. Ask the doctor to print the referral for you, if you have the MRI done with a different healthcare provider.

How to claim:

  • when visiting a clinic with an invoicing contract, you present your Kela-card with the EBF number and the clinic will send the invoice directly to the EBF.
  • if you visit a private clinic with which EBF does not have an invoicing contract, you have to pay the cost yourself. The Kela reimbursement can be deducted from the price. If the Kela reimbursement is not deducted, you need to fill in the claim form SV 127e and send it to EBF along with the invoice and the Kela form SV 3 filled out by the clinic.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • max 30 treatment sessions per year
  • the referral is valid for one year from the doctor’s order
  • physiotherapy is reimbursed at 90 per cent, no referral needed
  • starting from 1 May 2025 Kela will pay reimbursement for 4 physiotherapy appointments per calendar year. Kela reimbursement is 15 € per appointment. Doctor’s referral is not required. The Kela reimbursement is included in the fund’s 90 % reimbursement.
  • Example:
    • Cost 100 €
      • Total reimbursement 90 € = Kela-reimbursement 15 € + Fund’s additional benefit 75 €

How to claim:

  • Reimbursement for the first 4 appointments can be claimed through OmaKela.
    The following documents should be included in the claim:
    • A receipt
    • A form SV 3FS completed by the physiotherapist
    • A claim form SV 127 completed by the claimant
  • The claim will automatically be directed to EBF, who will pay you the 90 % reimbursement.
  • Reimbursement for the follow-up appointments can be claimed through Iris e-services
  • Reimbursement must be claimed within 6 months from the date of payment.
  • massage provided by an authorized massage therapist is reimbursed at 90 per cent of the fee, no referral needed
  • the massage therapist should be found in https://julkiterhikki.valvira.fi/

How to claim:

  • The receipt should include the following details:
  • name of the person being treated
  • name of the massage therapist
  • given treatment, e.g. massage 30 min.
  • date of visit
  • cost
  • method of payment
  • Remember that reimbursement can only be claimed after the treatment, not in advance (e.g. serial cards).
  • File your claim within 6 months of the original expense.
  • Send the documents to the EBF
    • by mail: Koneen toimihenkilöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • chiropractice, osteopathy and naprapathy prescribed by a physician is reimbursed at 90 per cent

How to claim:

  • send the referral and the invoice/receipt to EBF. The dates of the visits should be written on the referral.
  • reimbursement can only be claimed after the treatment, not in advance (e.g. serial cards).
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • Psychotherapy prescribed by a doctor or a nurse is reimbursed max 10 visits per year

How to claim:

  • send the referral and the invoice/receipt to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • medication prescribed by a physician and intended for the treatment of an illness is reimbursed at 100 per cent of the reference price, after the 70,33 € initial deductible per year. The medication has to be eligible for compensation under the Health Insurance Act, i.e. reimbursed by KELA
  • clinical nutrients and corresponding products, and emollients are reimbursed in cases where they are eligible for compensation under the Health Insurance Act
  • disinfectants and bandages prescribed by a physician are also reimbursed

EBF has decided to reimburse from the contingency fund

  • the 70 € initial deductible of medicines
    • the reimbursement is a one-time payment paid after the initial deductible is met.

How to claim:

  • you can usually get the reimbursement directly at the pharmacy when you present your Kela-card with the EBF number.
  • If you didn’t get a direct reimbursement, you need to fill in the claim form SV 178e and send it to EBF along with the invoice/receipt and the invoice itemization.
  • If you got the Kela-reimbursement but had to pay the deductible, send the invoice/receipt to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through OmaKela (www.kela.fi) if the Kela reimbursement has not been deducted from the invoice
    • through Iris e-service
  • for dental care, the fund reimburses EUR 600 a year, in addition to the KELA reimbursement, after the membership has lasted for 6 months (applicable to employments beginning 1.1.2025 and after).
  • includes dentist’s fees and dental hygienist’s fees (no aesthetic treatment, e.g. teeth whitening)
  • starting from May 1 2025, Kela will pay reimbursement for treatment by a dental hygienist twice per calendar year without a dentist’s referral. After this a referral is needed in order to get Kela reimbursement.
  • the dates of the visits determine the year under which the costs are recorded.

How to claim:

  • if you visit a private dental clinic, the Kela reimbursement can be deducted from the price. If the Kela reimbursement is not deducted, you need to fill in the claim form SV 127e and send it to EBF along with the invoice and the Kela form SV 126 / 3SHM / 3SHS filled out by the clinic.
  • if the Kela reimbursement is deducted, send the invoice to EBF.
  • if you visit the municipal dental clinic, send the invoice to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through OmaKela (www.kela.fi) if the Kela reimbursement has not been deducted from the invoice
    • through Iris e-service
  • EUR 600 is reimbursed for (prescription) eyeglasses or contact lenses every second calendar year, after the membership has lasted for 6 months ( (applicable to employments beginning 1.1.2025 and after). For lens surgery, an additional €400 can be claimed from the usage fund, totaling €1,000.
  • the reimbursement can also be used for corrective eye laser surgery.
  • eyesight examination performed by an optician is reimbursed at 100 per cent.

Using the Eyeglass Benefit

  • Leasing agreements: The eyeglass benefit can also be used for leasing agreements.
  • Claiming reimbursement: Reimbursement must be claimed during the same year the eyeglass benefit purchase right is valid.

Instructions for claiming reimbursement

  • Invoice: Attach the invoice to the claim, showing the monthly payment period (e.g., 1.3.-31.3.2025).
  • Purchase agreement: Attach the purchase agreement to the claim.

Claiming reimbursement

  • Monthly: Reimbursement can be claimed monthly.
  • In one go: You can collect receipts worth 600 euros and claim the reimbursement at once. Note the turn of the year.

Application period

  • 6 months: Claim reimbursement within 6 months from the date of paying the cost.

Turn of the year

  • Reimbursement at the turn of the year: If you make a leasing agreement at the end of the year, consider claiming the reimbursement at the beginning of the next year.
  • Example: The total cost of the installments is 90 euros (45 euros on 30.11.2025 and 45 euros on 31.12.2025). It is not recommended to claim the benefit for the 2025 eyeglass benefit.
  • 2026 benefit: Claim reimbursements from the payment period starting 1.1.2026 to ensure you receive the 600-euro benefit for 2026.

How to claim:

  • send a receipt of the purchase with your name and a copy of the eyesight examination record to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • fees for serial treatment and a municipal day surgery fee are reimbursed at 100 per cent
  • the fund reimburses daily hospital fees for 150 days for one illness according to the lowest payment class in municipal central hospital care

How to claim:

  • after paying the invoice send it to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • outpatient clinic fees and health center visits are reimbursed at 100 per cent

How to claim:

  • after paying the invoice send it to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • travel costs to visit a doctor or to undergo an examination or treatment in a medical examination institution or hospital are reimbursed at 100 per cent in cases where they are eligible for compensation under the Health Insurance Act, i.e. reimbursed by KELA
  • the fund reimburses the 25 € copayment
  • you’ll find further information on travel costs in https://www.kela.fi/web/en/travel-costs

How to claim:

  • send the receipt of the 25 € to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service
  • medical devices (pediatric supports, occlusal splint, etc.): two (pairs) per year are reimbursed at reasonable expenses in cases where reimbursement cannot be received anywhere else, e.g. from the municipal health center
  • the device has to be prescribed by a doctor or physiotherapist
  • the fund reimburses 50 % for the rent of a CPAP machine or for the price of a temporary sleeping mask used in the treatment of sleep apnea, until the device is available from the public sector. The purchase of a CPAP machine is not reimbursed.
  • in uncertain situations please contact EBF

How to claim:

  • send the doctor’s referral and the receipt to EBF.
  • file your claim within 6 months of the original expense.
  • send the documents to the EBF
    • by mail: Koneen työntekijöiden vakuutuskassa, PL 6, 05801 Hyvinkää
    • through Iris e-service

Discretionary contribution

FORMS:

Sickness allowance

  • If your sick leave exceeds the period for which employer pays sick leave salary, you can claim sickness allowance.

How to claim

  • Sickness allowance can be claimed online in www.kela.fi (only in Finnish) by logging on to the eServices using the online banking codes. Allowance can also be claimed by completing the sickness allowance claim (SV 8e) and sending it to EBF
  • File your claim within 2 months of the beginning of the sick leave.
  • Please, check also your employer’s policy about reporting absences

Amount

  • Sickness allowance is determined on the basis of an annual income. The annual income is calculated for a reference period of 12 calendar months prior to the calendar month that precedes the start of your work disability.
  • The annual income includes salary, salary for insurance purposes, YEL and MYEL income, certain benefits and certain compensations for loss of income.

Payment

  • Sick leave salary is paid by the employer and Kela will pay the sickness allowance to the employer for the paid leave.
  • After the paid leave Kela will pay the allowance to you according to their payment periods and payment days, which you will see on Kela’s online service.

Other considerations

  • Usually, tax is withheld from the allowance at the same rate as from your salary. If the withholding rate on your salary is lower than 25%, tax is withheld at 25%, minimum, unless you apply for a revised tax card from the Tax Administration.

Further information: www.kela.fi
Employee benefit fund: www.vakuutuskassa.com

  • Partial sickness allowance makes it possible for an employee to return to work from a long sick leave on a part-time basis.
  • The minimum period of partial sickness allowance is 12 days.
  • The maximum period of partial sickness allowance is 150 working days.

How to claim

  • Partial sickness allowance can be claimed online in www.kela.fi (only in Finnish) by logging on to the eServices using the online banking codes. Allowance can also be claimed by completing the sickness allowance claim (SV 8e) and sending it to EBF.
  • Enclose with your claim a certificate B from an occupational health doctor and an agreement on part-time employment signed by you and your employer.
  • File your claim within 2 months of the beginning of the part-time work.

Amount

  • The amount of the partial sickness allowance is half of the preceding sickness allowance.

Payment

  • If the employer pays full sick leave salary for the part-time work, Kela will pay the partial sickness allowance to the employer. Otherwise the allowance will be paid to the employee.
  • The allowance will be paid according to Kela’s payment periods and payment days, which you will see on Kela’s online service.

Further information: www.kela.fi
Employee benefit fund: www.vakuutuskassa.com

Pregnancy and parental allowance

  • Pregnancy and parental allowance application will be handled by Vakuutuskassa / Employee Benefit Fund (EBF)

How to claim

  • Pregnancy allowance must be claimed at the latest within 2 months of the start of the pregnancy leave.
  • Pregnancy and parental allowance can be claimed online in www.kela.fi (only in Finnish) by logging on to the eServices using the online banking codes.  Allowance can also be claimed by completing the application form SV15e and sending it to EBF
  • You can send the pregnancy certificate to Kela or EBF (PL 6, 05801 Hyvinkää)
  • Please, check also your employer’s policy about reporting absences

Amount

  • Pregnancy and parental allowance is determined on the basis of an annual income. The annual income is calculated for a reference period of 12 calendar months prior to the calendar month that precedes the start of your pregnancy leave.
  • The annual income includes salary, salary for insurance purposes, YEL and MYEL income, certain benefits and certain compensations for loss of income.

Pregnancy and parental leave compensation

  • Pregnancy and parental leave salary is paid by the employer according to the collective agreement. Kela will pay the allowance to the employer for the paid leave.

Other considerations

  • Usually, tax is withheld from the allowance at the same rate as from your salary. If the withholding rate on your salary is lower than 25%, tax is withheld at 25%, minimum, unless you apply for a revised tax card from the Tax Administration.
  • Members who are on pregnancy or parental leave are entitled to EBF benefits
  • Members who are on child home care leave are entitled only to Kela reimbursements

Further information: www.kela.fi
Employee benefit fund: www.vakuutuskassa.com

Parental allowance

  • Your parental allowance application will be handled by Vakuutuskassa / Employee Benefit Fund (EBF)

How to claim

  • Parental allowance must be claimed after the child is born or when starting parental leave
  • Parental allowance can be claimed online in www.kela.fi (only in Finnish) by logging on to the eServices using the online banking codes. Allowance can also be claimed by completing the application form SV15e and sending it to EBF
  • Please, check also your employer’s policy about reporting absences

Amount

  • Parental allowance is determined on the basis of an annual income. The annual income is calculated for a reference period of 12 calendar months prior to the calendar month that precedes the start of your parental leave.
  • The annual income includes salary, salary for insurance purposes, YEL and MYEL income, certain benefits and certain compensations for loss of income.

Parental leave compensation

  • Parental leave salary is paid by the employer according to the collective agreement. Kela will pay the allowance to the employer for the paid leave.

Other considerations

  • Usually, tax is withheld from the allowance at the same rate as from your salary. If the withholding rate on your salary is lower than 25%, tax is withheld at 25%, minimum, unless you apply for a revised tax card from the Tax Administration.
  • Members who are on parental leave are entitled to EBF benefits.
  • Members who are on child home care leave are entitled only to Kela reimbursements.

Further information: www.kela.fi
Employee benefit fund: www.vakuutuskassa.com