Psychotherapy pricing – What does therapy cost in Finland?
One of the most common questions about psychotherapy is the cost. This guide covers psychotherapy pricing, Kela reimbursements, and other funding options.
Private psychotherapy prices
A private psychotherapy session typically costs €80–120 per visit. The price depends on the therapist's training, experience, and location. In larger cities (Helsinki, Espoo, Tampere), prices tend to be slightly higher.
Kela rehabilitation psychotherapy and reimbursements
Kela reimburses rehabilitation psychotherapy for people aged 16–67. The reimbursement for individual therapy is €57.60 per session and for group therapy €32.00 per session. You pay the difference from the therapist's price.
Getting Kela support requires a diagnosed mental health disorder, a doctor's B-statement, and that your work or study capacity is at risk.
Price comparison
| Therapy type | Price / session | Kela reimbursement | Out of pocket |
|---|---|---|---|
| Individual therapy | €80–120 | €57.60 | €22–62 |
| Group therapy | €40–60 | €32.00 | €8–28 |
| Couples therapy | €100–150 | No reimbursement | €100–150 |
| Brief therapy | €80–120 | Varies | Varies |
Insurance coverage
Many health insurance policies partially cover psychotherapy. Check your own insurance terms. Typically, insurance covers 50–80% of costs up to an annual maximum.
How to save on therapy costs
- Apply for Kela rehabilitation psychotherapy – it's the most significant financial support
- Check your health insurance terms
- Consider group therapy – it's a more affordable option
- Use low-threshold services for initial support