Payment methods in Mehiläinen

There are several different ways to pay for a visit to Mehiläinen. Explore the options.

At Mehiläinen, you have the flexibility to use a variety of payment methods. Take a look at the different payment and financing services we offer and choose the one that suits you best.

I will pay for the visit myself

Different payment methods:

If you pay for your visit personally, you can use debit and credit cards as a means of payment at Mehiläinen.

Please note that we do not accept cash payments.

Payment by debit and credit cards

  • Visa
  • MasterCard
  • American Express
  • Visa Electron

Payment in the OmaMehiläinen application

Pay for your appointment easily and safely in OmaMehiläinen, without going to the cashier. You will receive an invoice/payment prompt for your visit to the app a few days – you can find it both in the app timeline and in the Invoices section of the app.

Payment methods in the OmaMehiläinen application:

  • Payment card
  • Online bank - Online payments require authentication (not yet in Fysios)​
  • Klarna (not yet in Fysios)​
  • Smartum​
  • Edenred
  • Epassi

You can pay with a payment card as well as payment methods offered by Klarna. Online payments require authentication.

Please note that the OmaMehiläinen application cannot yet pay for the services of Hammas Mehiläinen or Therapy Clinic services.

Mehiläinen Financing

It is easy and affordable to pay for the procedure, examination or operation at Mehiläinen with the Mehiläinen Instalment payment. You can apply for a funding decision in advance as soon as you receive a price estimate.

The calculator allows you to view the available payment options and monthly payments (in Finnish):

The credit is granted by Svea Bank AB (publ), filial i Finland.

Mehiläinen Erämaksu

With Instalment payment, you can pay flexibly in several instalments.

The benefits of the Mehiläinen Instalment payment:

  • You can apply for a decision in advance for an amount of EUR 50–15,000 according to your needs.
  • 30–60 days interest-free and cost-free payment period, or interest-bearing installment payment in equal instalments with a payment period of 3–60 months.
  • You can always reduce your credit at a faster pace or pay it off in full at once.
  • No down payment, no guarantors, no collateral.

The credit is granted by Svea Bank AB (publ), filial i Finland.

Learn more:
Read more about Hammas Mehiläinen's payment methods

How to apply for a Mehiläinen Instalment payment (in Finnish)

Insurance-paid visit

Customers of all insurance companies can do business in Mehiläinen easily. Your insurance company will tell you how to handle the payment. Many insurance companies have a practice whereby the customer pays for the visit themselves and then claims from the insurance company afterwards.

More information on how to deal with insurance situations (in Finnish)

If Direct Reimbursement

The If Direct Reimbursement service, which is available at all of Mehiläinen's clinics, provides effortless access to a doctor’s appointment for the clients of If’s health insurance also at the Mehiläinen Digiklinika. You only pay a possible deductible for a doctor’s appointment, and Mehiläinen will apply for reimbursements directly from If.

Learn more about the If direct reimbursement service. (

Payment for occupational health appointments

Your employer determines what kind of occupational health agreement you have in force. In the online appointment booking, you can see your occupational health team, whose visits are paid for by your employer. If you are going to see a specialist other than your own occupational health team, you can see from the online booking whether the service is covered by your occupational health agreement or whether it is a service you may have to pay for yourself.

Additional information for the insurance client

Hammas Mehiläinen payment methods

At Hammas Mehiläinen, you also have the flexibility to use a variety of payment methods. Take a look at the different payment methods Hammas Mehiläinen offers and choose the one that suits you best.

Read more about Hammas Mehiläinen's payment methods