contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  tags {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  ... on Video {
    liveTime
    videoUrl
  }
  ... on Webcast {
    liveTime
    videoUrl
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  createdAt
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


terveystalo-oyj-terveystalo-plc-managers-transactions-varma-mutual-pension-insurance-company

__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

Terveystalo operates in the healthcare sector. The company offers services and solutions such as surveys and examinations, training and coaching, rehabilitation, and health and fitness mapping. Its customers include small and medium-sized corporate customers, as well as public sector players. The head office is located in Helsinki.

This is no surprise to those in the industry, completely expected. If the total reimbursement for a Kela65 visit is 100e and Terveystalo takes as much as 60e, then what professional wants to do such an appointment when the compensation is 40e and the time allocated by Terveystalo/Mehiläinen/Pihlajalinna is 20 minutes, which is too short. Kela65 is a good experiment that works really well at small and agile clinics. You get 100e, of which only a marginal amount goes to expenses. With a 30-minute appointment, when you take 2 of these per hour, it’s a decent compensation. For large corporations, the concept has been made miserable in every way: for both the customer and the professional. Addendum:  Roni, you commented: “According to our assessment, challenges to increasing visit numbers include increasing supply and, in particular, the awareness of the experiment among those over 65 years of age.” The biggest problem is simply that few doctors want to do the work Terveystalo offers under such miserable conditions. There’s nothing more to it than that.

Quoted from the report:  According to our assessment, challenges for increasing visitor numbers include, among others, increasing the supply and especially the awareness of the experiment among those over 65 years old.  The challenge of increasing the supply is precisely that the freedom of choice experiment is not at all attractive to the practitioner. The freedom of choice experiment itself is already starting to be known to those who want to use it.

Here are Roni’s comments on how the volumes of the freedom of choice experiment for those aged 65 and over have remained small.  Terveystalo’s first three months’ Kela65 freedom of choice experiment volumes have remained at a moderate level, and visits have not yet started to grow from the first month’s levels. With current volumes, the direct effects of the experiment on Terveystalo’s figures are still small, in our estimation. Pihlajalinna, which is under our coverage, is also participating in the freedom of choice experiment. The company does not report the experiment’s visit numbers, but we estimate that the overall direction of development has been similar to Terveystalo’s.                   Inderes              65-vuotta täyttäneiden valinnanvapauskokeilun volyymit jääneet Terveystalolla...    Terveystalon ensimmäisen kolmen kuukauden Kela65 valinnanvapauskokeilun volyymit ovat pysyneet maltillisella tasolla, eivätkä käynnit ole vielä lähteneet kasvuun ensimmäisen kuukauden tasoilta.

Here’s a good three-minute clip from Sijoituskästi about Terveystalo.  https://x.com/STNXfi/status/1994121981944582198     For those without X:  https://twitter-thread.com/t/1994121981944582198

According to the article, the remuneration model in question applies to occupational health and insurance customers, neither of whom are subject to office fees.

Relatively yes, but absolutely the fee remains the same for 10-20 min appointments. Indeed, this increases Terveystalo’s earnings, assuming that practitioners do not switch to competitors. If more 20-min appointments are sold during the day, then an office fee also goes into Terveystalo’s till for each additional visit. Similarly, if 20 minutes is not enough to handle the patient’s matters, billing can be done according to the time used (i.e., for example, it’s legitimate to charge a 30-min price for a 25-min visit including documentation), so now that is taken away from the practitioner.

Terveystalo

Terveystalo Oyj - Managers' Transactions, 29 May at 10:15 EESTVarma Mutual Pension Insurance Company, which is a closely associated party to a member of Terveystalo's Board of Directors, has...

Terveystalo Oyj - Managers' Transactions, 29 May at 10:15 EESTVarma Mutual Pension Insurance Company, which is a closely associated party to a member of Terveystalo's Board of Directors, has acquired on 25 May 2023 in total 10,000,000 Terveystalo Oyj's debt instruments.____________________________________________Person subject to the notification requirementName: Varma Mutual Pension Insurance CompanyPosition: Closely associated person(X) Legal person (1):Person Discharging Managerial Responsibilities In IssuerName: Katri ViippolaPosition: Member of the BoardIssuer: Terveystalo OyjLEI: 7437001AEZHLL3UEX093Notification type: INITIAL NOTIFICATIONReference number: 32386/10/13Transaction date: 2023-05-25Outside a trading venueInstrument type: DEBT INSTRUMENTISIN: FI4000523493Nature of transaction: SUBSCRIPTIONTransaction details(1): Volume: 10000000 Unit price: 99.594 PCTAggregated transactions (1):Volume: 10000000 Volume weighted average price: 99.594 PCTDistribution: Nasdaq Helsinki Oy Principal media www.terveystalo.com