Payment options at Terveystalo
Explore your payment options and choose the one that suits you best. We are also here to help if you need financing or more flexibility with your payments.
How can I pay?
You can leave right after your appointment and pay via the Terveystalo app or online service. You’ll receive a notification by SMS and email when your visit is ready for payment.
To receive these notifications and pay online, make sure your contact details and payment settings are up to date. You can check and update them by logging into our online service.
More info: Online payments at Terveystalo
Please note that in-person payments are only available at Terveystalo clinics that have a customer service desk. You can check availability and opening hours on the specific clinic’s page.
More info: Terveystalo clinics (in Finnish only)
Payment methods
You can pay using a credit or debit card in the Terveystalo app, online service, or at clinics with a customer service desk.
We accept debit cards from all Finnish banks.
Accepted credit cards: Visa, Eurocard, Mastercard, and American Express.
If you pay with a debit card, the amount will be charged immediately from your account. If you wish to pay later, you can use a credit card, Walley invoice, or one of our financing options.
More info:
- Online payment instructions
- Terveystalo clinics (in Finnish only)
Available Online At the clinic
When you pay for your visit via the Terveystalo app or online service, you can select online bank payment as your payment method and be redirected to your own online bank to confirm the payment, without needing to enter your card details.
More info: Online payments at Terveystalo
Available Online
The Walley invoice is a billing option provided by Terveystalo.
You can choose it as a payment method when paying online or at a Terveystalo customer service desk.
You’ll receive the invoice and installment agreement by email or mail.
A digital invoice includes a €3.95 service fee; a paper invoice, €5.90.
You have 30 days from your appointment date to pay the invoice without interest.
More info:
Available Online At the clinic
We offer financing options for surgeries and other larger procedures through our partners.
Terveystalo OP Tililuotto
- Limit: €20,000
- Max repayment period: 6 years
- Interest: OP Prime + 9.5%
- 90 days interest-free
More information and how to apply (in Finnish only)
Santander Ostorahoitus
- Limit: €40,000
- Max repayment period: 15 years
- Fixed interest rate: 9.95%
- 30 days interest-free
More information and how to apply (in Finnish only)
Available Online At the clinic
Epassi, Smartum, and Edenred are accepted as payment methods in the Terveystalo app and online service, as well as at most Terveystalo locations. Employer-provided wellness benefits can be used to pay for health and wellness services, subject to certain restrictions.
- Epassi can be used to pay for doctor's visits, dental care, massage, or physiotherapy.
- Smartum Pay is accepted for massage and sports services, physiotherapy, as well as dental care services. To use Smartum Pay for dental care services, you must pay for your visit as an online payment.
Available Online At the clinic
When paying online through the Terveystalo app or online service, you can choose MobilePay as your payment method.
More info: Online payments at Terveystalo
Available Online
Terveystalo gift cards can be purchased from our online store. They can be used as a payment method in the Terveystalo app, online service, and at our clinics.
More info: Buy a gift card from our webshop (in Finnish only)
Available Online At the clinic
Please note: We do not accept cash payments.
Questions about payments?
Check out our frequently asked questions about payments
Customer support for payments
If you have any questions or need help with your invoice:
You can also call us:
045 788 40 888 (Mon–Fri 8:00–16:00)
Call charges: based on your phone plan; queuing is charged.
More information about our services
Price list
Terveystalo’s price list provides prices for our key services and procedures, so you can estimate the cost of your visit.
When insurance pays for your appointment
If needed, check the contents of your insurance with your insurance company. We take care of the customers of all insurance companies so that all matters related to insurance compensation can be handled easily.
When occupational health pays for your appointment
The occupational healthcare agreement made by your employer determines what your occupational health covers. When you book a time online or with the app, the reservation will automatically offer you a time for your own occupational health team’s members. You can check whether a certain service is covered by occupational health or whether you must pay for it yourself from your employer or our customer service.
When a sickness or insurance fund pays for your appointment
Check with your sickness and insurance fund to see which services are covered by the fund. If the Terveystalo service you used is covered by your sickness or insurance fund’s direct charging contract and you have identified yourself as a member of the fund, we can invoice the services covered by the contract directly to your fund. You will pay any potential deductible yourself in conjunction with your appointment by either bank or credit card. We generally invoice chat and video appointments as online payments, and you can apply for any potential compensation from your sickness or insurance fund afterwards.