Psychotherapy pricing – What does therapy cost in Finland?
Updated · Editorial principles and sources
In brief
A private psychotherapy session (45 min) costs about €95–122 according to providers' price lists. If Kela has granted you rehabilitation psychotherapy, it reimburses €57.60 per individual session, leaving you about €37–64 to pay. The price depends on the therapist, session length and location.
Updated 12 Oct 2026
Private psychotherapy prices
Therapy prices vary with the therapist's training, experience, therapy type and location. Prices published by two large providers for a 45-minute session (checked 12 Oct 2026): Väestöliitto Terapiapalvelut €122 and KKT Keskus Arvo €95–120 (psychotherapist and psychologist visits). Psychotherapy is exempt from VAT. An individual therapist's price may differ, so always ask for the price in advance.
Kela rehabilitation psychotherapy and reimbursements
Kela reimburses rehabilitation psychotherapy for people aged 16–67 who have been granted it. The reimbursement per session is €57.60 for individual therapy, €42.05 for group therapy, and €63.91 (1 h) or €95.87 (1.5 h) for family and couples therapy (kela.fi, checked 1 Oct 2026). It is usually less than the fee, so you pay the difference.
Kela support requires a diagnosed mental health disorder that threatens your ability to work or study, at least 3 months of appropriate treatment, and a B-statement, BC-statement or rehabilitation plan from a psychiatrist (no more than a year old). The therapist must be approved by Kela. Kela reimburses up to 80 sessions a year, 200 in total, for up to 3 years. Apply to Kela before therapy starts.
Cost examples
The examples assume a price of €110 per 45 min (an illustration, not a specific therapist's price) and Kela's individual therapy reimbursement of €57.60.
- Without Kela, 20 sessions: 20 × €110 = €2,200.
- With Kela reimbursement, 20 sessions: you pay €52.40 per session, €1,048 in total. Kela pays €1,152.
- With Kela reimbursement, a full year (80 sessions): you pay €4,192 in total. Kela pays €4,608.
The therapist usually deducts Kela's reimbursement directly from the session fee. If this is not done, you can claim it from Kela afterwards within 6 months of paying.
Price comparison
| Therapy type | Price / session | Kela reimbursement | Out of pocket |
|---|---|---|---|
| Individual therapy | About €95–122 / 45 min (private) | €57.60 | About €37–64 |
| Group therapy | Varies | €42.05 | Fee − €42.05 |
| Couples or family therapy | Varies | €63.91 (1 h) / €95.87 (1.5 h) | Fee − reimbursement |
| Short therapy as part of care | Varies | Not reimbursed as rehabilitation psychotherapy | Full fee |
Insurance coverage
Some private health insurance policies partially cover psychotherapy. Amounts and conditions vary by insurer, so check your own policy terms.
How to save on therapy costs
- Find out whether you meet the conditions for Kela rehabilitation psychotherapy
- Check your health insurance terms
- Consider group therapy – it's a more affordable option
- Use low-threshold services for initial support