Subject: Notification that the payment cap has been reached and request for a free card I hereby notify you that the payment cap under section 6 a of the Act on Client Charges in Healthcare and Social Welfare (734/1992) has been reached in my case during the calendar year [YEAR]. Client fees counting towards the cap that I have paid: a total of [SUM] euros; an itemisation and receipts are attached. The annual payment cap has therefore been exceeded. I request a certificate that the payment cap has been reached (a free card) and a refund of the fees charged in excess of the cap. [DATE] [FIRST NAME LAST NAME, PERSONAL IDENTITY CODE, ADDRESS]