Health insurance provides compensation for the costs of examinations and treatments in Finland that are caused by an illness or accident. To be eligible for compensation, the illness must have started or the accident must have occurred during the validity of the insurance cover.  The most common costs to be compensated are: doctor’s fees costs of X-ray and MRI procedures and laboratory tests costs of five physical treatment sessions prescribed by a doctor in connection with a compensable surgical operation or the treatment of a fracture costs of dental treatment resulting from an accident, excluding examination and treatment costs resulting from an injury caused by occlusion treatment costs resulting from plastic surgery after breast cancer or an accident daily hospital fees. Costs of medication are not compensated.