Tervia

What Tervia does

Tervia Osuuskunta is a Finnish cooperative founded in 2019 and headquartered in Oulu, providing shared solutions for social and healthcare services across Northern Finland. It operates through two wholly-owned subsidiaries: Tervia Logistiikka Oy, which coordinates and brokers statutory passenger transport services under social welfare and disability services law for four northern welfare areas (Kainuu, Keski-Pohjanmaa/Soite, Lapland/Lapha, and Pohjois-Pohjanmaa/Pohde); and Tervia Osaajat Oy, which provides specialist physician services to central hospitals via 23 specialty-based expert pools, allowing specialists to allocate up to 20% of their work hours through Tervia while maintaining at least 80% at their primary positions.

The company's technology stack supports a multi-sided transport coordination platform. Customer-facing OmaTervia is a web application using strong authentication via Suomi.fi for ride booking and real-time vehicle tracking. Transport service professionals use Tervia Viper (driver app) for ride order management, while transport entrepreneurs use the Garage portal for company information and billing. Turvaposti provides secure email for confidential communications. The platform also participates in Traficom's Data Pilot project to gather data on social care, disability, health insurance, and developmental disability transport services.

Tervia is jointly owned by its four welfare area customers, which collectively govern the cooperative. Revenue is generated primarily through service contracts with these welfare areas for transport coordination and specialist physician placements; transport costs are covered by the welfare areas under statutory frameworks rather than direct citizen payment. The cooperative model aligns incentives across owners, but concentrates Tervia's revenue stream on four publicly funded entities. Disclosed revenue for Tervia Osaajat Oy was €1.6 million in 2023.

Name

Tervia

Legal name

Tervia Osuuskunta

Website

https://tervia.fi

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Tervia is a Finnish cooperative jointly owned by four northern welfare areas that coordinates statutory social and disability transport services and supplies specialist physicians via 23 expert pools to central hospitals across Northern Finland.

Ownership category

akta.pro rank

Product category

Healthcare Transport Coordination and Specialist Physician Staffing

NAICS

Services for the Elderly and Persons with Disabilities (62412), Individual and Family Services (6241)

SIC

Services-Social Services (8300)

akta.pro primary industry

ADA/Accessible Paratransit (Complementary to Fixed-Route Transit) (THAIAHAA)

Keywords

• Healthcare transport coordination
• Specialist physician staffing
• Welfare area logistics
• Medical expert pools
• Patient transport services

Headquarters

HQ city

Oulu

HQ country

Finland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Supply Chain, Marketing or Sales

Distribution channels1 record

Marketing channels4 records

Core offering

Tervia is a cooperative that delivers shared social and healthcare solutions across four northern Finnish welfare areas. Through its Tervia Logistiikka subsidiary it coordinates and brokers statutory transport services under social welfare and disability services law, managing ride ordering, driver dispatch, and service quality. Through its Tervia Osaajat subsidiary it supplies specialist physician services to central hospitals via 23 medical-specialty expert pools. Supporting digital tools include the OmaTervia customer portal, Tervia Viper driver application, Garage entrepreneur portal, and Turvaposti secure email.

Product overview

Tervia is a Finnish cooperative providing shared solutions for northern social and healthcare services. The company operates through two main subsidiaries: Tervia Logistiikka Oy handles legally mandated transport services coordination across four northern welfare areas (Kainuu, Central Ostrobothnia/Soite, Lapland/Lapha, and North Ostrobothnia/Pohde), while Tervia Osaajat Oy provides specialist physician services through expert pools to central hospitals in the same regions. The logistics subsidiary offers customer-facing services (OmaTervia web portal), driver tools (Tervia Viper app), and entrepreneur portals (Garage).

Differentiator

Problem solved

Functional benefit

Brands

• OmaTervia: Web-based service for customers to book transport rides
• Tervia Viper
• Garage

Products and services

• Tervia Logistiikka Coordinates and brokers legally mandated transport services under social welfare and disability services law across four northern Finnish welfare areas, managing ride ordering, driver dispatch, and service quality for elderly, disability, rehabilitation, and developmental disability transport.
• Tervia Osaajat Provides specialist physician services to central hospitals owned by the four northern welfare areas through 23 expert pools organized by medical specialty, with up to 20% of each physician's work allocable through Tervia Osaajat.
• OmaTervia Web-based self-service platform for citizens to order rides, track vehicle arrival, and view ride orders; requires strong authentication via Suomi.fi and is part of the Tervia Logistiikka service offering.
• Tervia Viper Driver application for transport service professionals to receive and manage ride orders, with written instructions and tutorial videos available.
• Garage Portal Portal for transport service entrepreneurs to manage company information and billing reports under contracts with Tervia Logistiikka.
• Turvaposti (Secure Email) Secure email service used for confidential communications meeting data protection requirements in connection with Tervia's services.

Named customers4 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered primary, secondary and core.

• Kainuun hyvinvointialue (Kainuu Welfare Area)primaryStrategic or Co-development PartnerKainuu Welfare Area is one of four owners of the Tervia cooperative. The welfare area orders specialist physician services and transport services through Tervia to serve its citizens.
• Keski-Pohjanmaan hyvinvointialue SoiteprimaryStrategic or Co-development PartnerSoite is one of four owners of the Tervia cooperative. The welfare area orders specialist physician services and transport services through Tervia to serve its citizens.
• Lapin hyvinvointialue LaphaprimaryStrategic or Co-development PartnerLapha is one of four owners of the Tervia cooperative. The welfare area orders specialist physician services and transport services through Tervia to serve its citizens.
• Pohjois-Pohjanmaan hyvinvointialue PohdeprimaryStrategic or Co-development PartnerPohde is one of four owners of the Tervia cooperative. The welfare area orders specialist physician services and transport services through Tervia to serve its citizens.
• Traficom (Finnish Transport and Communications Agency)secondaryStrategic or Co-development PartnerTervia Logistiikka participates in Traficom's Data Pilot project, collecting information about social care, disability, health insurance, and developmental disability transport services in the Northern Finland region.
• Specialist Physicians of Northern FinlandcoreOthersSpecialist physicians from the four welfare area central hospitals join expert pools organized by medical specialty. Up to 20% of their work can be allocated through Tervia Osaajat, with minimum 80% dedicated to their primary position.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Doctrin: Doctrin is a Swedish digital health platform providing care coordination, patient triage, and clinical workflow tools to Nordic healthcare providers. Comparable to Tervia as a regional care-coordination technology vendor to public-sector healthcare systems in a Nordic welfare-state context.

Direct peers

• Inv Finland Oy: Inv Finland operates accessible and welfare-area transport services across multiple Finnish regions with proprietary dispatch and booking technology. Highly comparable to Tervia Logistiikka in combining welfare-area contracts with a digital transport platform for riders with mobility needs.
• Menevä: Menevä is a Finnish accessible/disability transport booking platform that connects riders with adapted vehicles — directly comparable to Tervia Logistiikka's paratransit coordination service for social-care and disability transport under Finnish welfare-area contracts.

Regional players

• Taksiliitto (Finnish Taxi Federation): Taksiliitto is the Finnish taxi industry cooperative body coordinating licensed taxi operators and accessible-transport service delivery across Finland. Comparable to Tervia in coordinating contracted drivers for welfare-area transport and providing digital ordering/dispatch infrastructure, though operating as a national federation rather than a regional cooperative.
• Pihlajalinna: Pihlajalinna is a Finnish healthcare and social services provider with significant operations in western and northern Finland, offering physician services, primary care, and care pathways to public-sector customers. Comparable to Tervia Osaajat's physician-pooling model, though operating more as a private incumbent than a regional cooperative.

Broad incumbents

• Kela (Social Insurance Institution of Finland): Kela administers Finnish social-insurance reimbursements for health-related travel and disability transport — the statutory payer sitting alongside welfare areas for many of the same transport services Tervia coordinates. Comparable as the public-sector counterpart financing the demand Tervia serves, though at much greater scale and with a broader mandate.
• Mehiläinen: Mehiläinen is a major Finnish private healthcare and social services group offering physician staffing, occupational health, and care services. Comparable to Tervia Osaajat in providing physician capacity and social-care services to Finnish public-sector customers, though serving a much broader national footprint.
• Terveystalo: Terveystalo is Finland's largest private healthcare services provider, operating clinics and employing physicians across the country including northern regions where Tervia Osaajat pools specialists. Comparable to Tervia Osaajat as a provider of physician capacity to Finnish healthcare systems, though at vastly larger scale and as a for-profit incumbent.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/terviasuomi

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tervia