My father-in-law was a Finn, born and raised, and had to pay for everything out of pocket because he owned his own home business fabricating HVAC ductwork, and of course got no sick leave if he did get injured and couldn't work.

It's possible to buy private insurance of course, a common solution for tech freelancers here is to make your own business and then hire yourself as an employee, so at least you can get an occupational health care plan.

But private health insurance here is a joke anyway, they don't cover a ton of things because they assume they can just refer you to the public care for any of the complicated stuff. Mine wouldn't even cover a CPAP machine, I had to get on a public waiting list and borrow one from the state, and it took months.

I believe most of the couriers have ”residence permit for an entrepreneur”. That means you get emergency care but thats about it. As your link states ” Jos olet tullut Suomeen tilapäisesti muualta kuin EU- tai Eta-maasta, Sveitsistä, Isosta-Britanniasta tai Pohjois-Irlannista, sinulla on oikeus vain kiireelliseen sairaanhoitoon. Hoidon kustannukset voidaan laskuttaa sinulta jälkikäteen. ”