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58-516: The roots of the Lähivakuutus and Tapiola companies go back to the 18th and 19th centuries. The history of Lähivakuutus starts from 1770, when king Adolf Frederick of Sweden enacted a law to found fire control groups in towns. The history of Tapiola starts from 1857 when the Paloapuyhtiö group was founded. Of the direct predecessor companies of Tapiola, Pohja was founded in 1909 and Aura in 1917. After

116-515: A Freedom of Press Act . The Freedom of Press Act is unique for the time for its curtailing of all censorship, retaining punitive measures only for libeling the monarch or the Church of Sweden . Adolf Frederick's father was Christian Augustus (1673–1726) duke and a younger prince of Schleswig-Holstein-Gottorp, prince-bishop of Lübeck, and administrator, during the Great Northern War , of

174-597: A diabetic can enter their own weight and sugar values into the service, after which a care team can discuss the situation with them by a telephone call or communication through the application. In 2006 the Swedish fund capital company 3i became Mehiläinen's main owner and Mehiläinen became part of the Swedish Ambea concern. The concern took an internal loan for the deal, which the Finnish daughter company could then pay off paying

232-491: A change in healthcare chains relating to work accidents which would encourage people to return to work when they were partially fit. After successful experience the company decided to put this model into general use. The company treated about 50 thousand work accidents per year. After Moisander retired in late 2019 Juha Koponen was chosen as his successor, and he started as the company's directory in 2020. In August 2020 LähiTapiola announced it would raise its ownership share of

290-488: A child: Adolf Frederick may have been the father of Lolotte Forssberg by Ulla von Liewen , but this has never been confirmed. Mehil%C3%A4inen Mehiläinen ( Finnish for " bee ") is a concern for social and healthcare services for both public and private customers, active in Finland , Sweden , Germany and Estonia . The company's largest owner is CVC Capital Partners . The hospital limited company Mehiläinen

348-450: A grade of -2 on a scale from -11 to +11. According to the report, Mehiläinen did not have an aggressive shareholder loan plan, but during the years before the report, it had been undercapitalised with loans taken from funds institutions, whose interests decrease the taxable income in Finland and the self-sufficiency grade of the company was significantly lower than the average in the business. In

406-415: A great deal of power. The corporate culture was described as polite and including academic discussion. On the other hand, Lähivakuutus had distributed management, where the power lay in independent insurance companies in the Finnish regions, acting in an agile and professional manner. The company led by Moisander employed a direct way of speaking. Throughout the years, there had been multiple attempts to fuse

464-478: A merger of the former LähiTapiola regional companies in Western Finland and Satakunta. LähiTapiola owns the investment company Seligson & Co and is one of the owners of Mehiläinen and Pihlajalinna . The LähiTapiola group also owns part of the capital of the insurance company Turva and is thus one of Turva's owners. In 2019 LähiTapiola Varainhoito was awarded best provider of responsive investments for

522-399: A military coup d'état , reinstating absolute rule. The King was regarded as dependent on others, a weak ruler, and lacking of any talents as a statesman. However, he was allegedly a good husband, a caring father, and a gentle master to his servants. He was scientifically talented and especially interested in astronomy. He also had talent in military matters and in music. His favourite pastime

580-426: A part of a larger collaboration between the S Group and LähiTapiola. The S Group owned 75% of the new bank and LähiTapiola owned 25%. Moisander managed to form a common corporate culture by treating everyone equally and through interaction and discussions. The LähiTapiola staff learned the leadership manner of Lähivakuutus based on the balance and the profit calculation, which brought profitability and cost awareness to

638-639: A service based on OmaMehiläinen and the digital clinic also abroad, for example in Greece and Italy . Healthcare companies and hospital chains can use the BeeHealthy service to provide digital appointment reservation, fulfilment of preliminary information forms, healthcare access, remote appointments, various kinds of remote coaching and follow-ups and access to one's own medical information such as laboratory test results. The application can be connected to mobile healthcare applications such as Apple Health . Foe example

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696-784: The December Crisis of 1768 , under the guidance of his eldest son, Gustav , he succeeded in overthrowing the "Cap" (Swedish: Mössorna ) senate, but was unable to make any use of his victory. Adolf Frederick died suddenly in Stockholm on 12 February 1771 with symptoms resembling either heart failure or poisoning. Popular stories about his death having resulted from a large meal (consisting of lobster , caviar , sauerkraut , kippers , and champagne as well as 14 helpings of his favourite dessert hetvägg of semla pastries and hot milk) are considered propaganda by modern writers. Following his death, his son Gustav III seized power in 1772 in

754-692: The Estonian workplace healthcare company Qvalitas as well as three dental care stations, of which the firstly acquired company Unimed fused with the later acquisitions of KW and Al Mare. In November Mehiläinen acquired the German company Dalberg Klinik AG. In 2018 Mehiläinen employed over 5400 doctors, of which about 3300 were in active practice. There were over 57 medical centres and a total of over 18,800 employees. The company had eleven hospitals all over Finland. In 2020 healthcare services amounted to 773.2 million euro and social care services to 389.3 million euro of

812-513: The Jersey tax haven , while legal as such, attracted criticism. Mehiläinen was also accused of tax avoidance, as according to Keskisuomalainen it had taken advantage of the concern donations paid to its parent company. According to Helsingin Sanomat Mehiläinen paid its taxes in 2015 normally based on its bottom line: the taxable income was 19.2 million euro, of which 3.8 million euro

870-566: The OP Financial Group announced it would sell the healthcare services of Pohjola Terveys to Mehiläinen, having offered workplace healthcare services to 800 customer companies with a total of almost 19 thousand employees. In November Mehiläinen announced it would acquire Pihlajalinna . At this time Mehiläinen's revenue reached one billion euro for the first time, at a total of 1064 million euro. In 2020 Mehiläinen made its first foreign acquisition, when its daughter company BeeHealthy bought

928-560: The Stockholm -based company Sibyllekliniken. BeeHealthy was separated into a separate company for new start-up activities selling Mehiläinen's digital services abroad. In September the Finnish Competition and Consumer Authority made a proposal to the market court to forbid the merger between Mehiläinen and Pihlajalinna. In late November Mehiläinen and Pihlajalinna announced that the deal had been cancelled. In 2021 Mehiläinen acquired

986-685: The 1933 law about mutual insurance companies several local Lähivakuutus companies were founded all over Finland. Tapiola was founded on the nameday of Tapio on 18 June 1982 when the Aura and Pohja companies were merged . In 1983 Lähivakuutus was chosen as the common marketing name for the group of Lähivakuutus insurance companies, used both nationally and locally. In the 2000s Tapiola decided to expand its activity to financial services . The company first founded Tapiola Omaisuudenhoito Oy and Tapiola-rahastoyhtiö Oy, which later merged into Tapiola Varainhoito Oy. Tapiola Pankki Oy started operation in 2004. In 2011

1044-414: The 2010s, many Finnish municipalities privatised their social and healthcare services to Mehiläinen and other companies. In municipalities who had outsourced their social and healthcare services, there were many problems in reaching the promised level of services in organising both the municipality's own activity and control of outsourced services. According to the city of Kemi , half of the doctors agreed in

1102-401: The 2018 corporate organisation plan the self-sufficiency grade of the concern had increased. Over half of Mehiläinen's doctors are employed as external service providers, and the company OmaPartners Oy partly owned by Mehiläinen pays work commitment shares to its shareholder doctors. In 2018 these shares had been paid for a total sum of 6.05 million euro. In April 2020 Mehiläinen announced that

1160-553: The Hakaniemi medical station. The Mehiläinen hospital had 90 places for the sick, a laboratory and a surgical operation room. The hospital served about 130 thousand patients per year. CapMan and SITRA became Mehiläinen's major owners in 2000. In the next year, the Mehiläinen Hospital Limited Company and Tohtoritalo fused into Mehiläinen Oy. Tohtoritalo had been founded in 1996 as a merger between Meditori and

1218-585: The LähiTapiola group consisted of the following national bodies in addition to the regional companies: The parent company of the LähiTapiola group is LähiTapiola Keskinäinen Vahinkoyhtiö. The bank partner of the LähiTapiola group is the S-Bank and the retirement insurance partner is Elo . In autumn 2021 the LähiTapiola group had regional companies in: LähiTapiola in Western Finland started operating in January 2021 as

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1276-475: The Mehiläinen digital clinic had about 550 thousand patients in Finland. The service can also be used to contact a doctor remotely. The service is used in Finland and Estonia. The digital clinic allows to handle some of the patients faster than by a traditional appointment. In Finland, for example LähiTapiola, Länsi-Pohja, Siikalatva and Varkaus offer digital services provided by Mehiläinen. Mehiläinen licences

1334-481: The S-Bank, Elo and Pihlajalinna. LähiTapiola employed about 3400 people. In January 2017 LähiTapiola announced it would renew its strategy by diminishing its role as an insurance company and making life support into its core function. Life support in this case means services for safety, finance and health, for example damage and life insurance, fund control and services related to health and wellbeing. In June LähiTapiola and

1392-401: The Swedish Ambea concern. Mehiläinen had abandoned the tax shelter in 2012 when its loans had been changed into capital. The Helsinki district court saw that Mehiläinen was guilty of tax evasion. Mehiläinen appealed the decision to the supreme court, but paid 13.8 million euro in tax even before the supreme court gave its verdict. Of the sum 8.8 million euro was tax and increased tax, the rest

1450-598: The Swedish daughter company of the Ambea concern, was acquired by Mehiläinen. In 2009, the company started offering healthcare and home care services in Karis with the Carema name. Mehiläinen started offering services for child protection and mental health rehabilitation through the Leivoyhtiöt company. In 2010 KKR and Swedish company Triton AB became the major owners of Mehiläinen. In

1508-502: The Vagus medical station. In 2002 the company acquired Remedi from Vaasa and Säveri from Kuopio . In the next year the company acquired a further nine companies. In 2006 CapMan and SITRA sold the majority of Mehiläinen's shares to the Swedish investor company 3i and Mehiläinen became part of the Swedish Ambea concern. In 2007 Carema Hoivapalvelut Oy, the Finnish daughter company of Carema,

1566-549: The absolute monarchy held by previous monarchs, he remained a mere constitutional figurehead until his death. His reign saw an extended period of internal peace. However, the finances stagnated following failed mercantilist doctrines pursued by the Hat administration. The Hat administration ended during the 1765–1766 parliament, where the Cap opposition took over the government and enacted reforms towards greater economic liberalism , as well as

1624-447: The already existing plans for a fusion between Lähivakuutus and Tapiola were opened and the agreement of the fusion was signed on 23 December. In February 2012 Tapiola and Lähivakuutus announced their merger. The supervisory boards of the companies signed the foundation contract of LähiTapiola and the fusion was accepted by the corporate meetings in May 2012. In June 2012 the new marketing name

1682-482: The bombing of Helsinki in February 1944 the hospital was damaged and was forced to shut down almost all activities for a while. Group services by special doctors were started in 1957. In 1964 the city of Espoo rented 34 bed places from Mehiläinen. In 1974 the company started offering work healthcare services. The company was renamed Sairaalaosakeyhtiö Mehiläinen in 1978. The childbirth department of Mehiläinen

1740-465: The chairman of the board of Lähivakuutus, Ralf Wikström. In the negotiations, Lähivakuutus had a good position, as it did not need the fusion as much as the Tapiola Bank which had lost part of its market share. Kalpala himself was motivated by a need to go through the fusion before retiring. The board of Lähivakuutus wanted to retain the independence of its regional communities in the fusion. In practice

1798-460: The city of Helsinki from the newly constructed area in Pohjois-Töölö , and the first part of the hospital was completed in autumn 1932 at Hesperiankatu 17. The company created rental apartments in its old premises. In 1933 the hospital was expanded to Runeberginkatu, and the third phase was completed in 1937, at which time the building right of the lots was exhausted. The hospital had 128 places for

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1856-560: The company. On the other hand, Tapiola brought a great deal of new business: life insurance, banking, re-insurance and internationalisation. A culture of appreciation and understanding was formed by realising the strengths of both parties. In 2014 LähiTapiola started a new strategic initiative involving a diverse and conversing management. In early 2014 the LähiTapiola Central Retirement Insurance Company fused with Eläke-Fennia . The new work insurance company

1914-514: The contract with Länsi-Pohja Oy were missing. According to Lasse Männistö , the CEO of Mehiläinen Länsi-Pohja Oy, the missing doctors were Kemi's own fault, as the premises were poor. According to Männistö, the company intends to amend the missing doctors by moving their work to nurses and by offering digital services. Mediverkko and Mehiläinen announced their merger in November 2014. Janne-Olli Järvenpää,

1972-469: The duchies of Holstein-Gottorp for his relative Charles Frederick . His mother, Albertina Frederica of Baden-Durlach (1682–1755), was a descendant of earlier royal dynasties of Sweden, great-granddaughter of Princess Catherine of Sweden , mother of King Charles X of Sweden . On his mother's side, Adolf Frederick was descended from King Gustav Vasa and Christina Magdalena , a sister of Charles X of Sweden . From 1727 to 1750 Prince Adolf Frederick

2030-456: The fifth time in seven years in a survey for institution investors conducted by SFR Research. Adolf Frederick of Sweden Adolf (or Adolph ) Frederick ( Swedish : Adolf Fredrik ; German : Adolf Friedrich ; 14 May 1710 – 12 February 1771) was King of Sweden from 1751 until his death in 1771. He was the son of Christian August of Holstein-Gottorp, Prince of Eutin , and Albertina Frederica of Baden-Durlach . He

2088-419: The founder and CEO of Mediverkko, became the CEO of the new company. Mediverkko was acquired by Mehiläinen in January 2015. At the time, the concern had a total revenue of over 360 million euro and over nine thousand employees. In summer 2017 LähiTapiola bought a ten-percent share of Mehiläinen. Mehiläinen had a revenue of over 165 million euro, almost 30 percent more than in the previous year. In May 2018

2146-427: The funds controlled by Triton and KKR sold Mehiläinen to LähiTapiola, Varma , Ilmarinen and CVC Capital Partners . The company had over 14 thousand employees. From 2015 to 2018 Mehiläinen acquired over 40 companies. During one year Mehiläinen built over 700 new apartments for the elderly, the disabled and mental health rehabilitants. The Mehiläinen home service was active in over 150 municipalities. In April 2019

2204-885: The funds controlled by the Luxembourgian company CVC Capital Partners (56%), the LähiTapiola group (20%) as well as the Varma Mutual Pension Insurance Company (20%), the State Retirement Fund of Finland and the insurance company Ilmarinen . The three most important business areas of Mehiläinen are private healthcare services, public healthcare services and social care services. The concern also offers mental health services. The OmaMehiläinen service has over one million registered users. It can be used to reserve appointments, request renewal of prescriptions or view one's own healthcare records. In 2020

2262-486: The fusion was equal, but it was met with much resistance to change. LähiTapiola was one of the largest damage insurance providers in Finland and had a market share of 25.6%. LähiTapiola was also the fourth largest provider of life insurance in Finland with a market share of 7.9%. In June the Tapiola Bank changed its name to the LähiTapiola Bank. The Tapiola Bank and the S-Bank announced their fusion on 6 June 2013 as

2320-451: The healthcare company Mehiläinen announced they would start strategic cooperation. In May 2018 LähiTapiola raised its ownership share of Mehiläinen from 9% to 20%. In October the company announced its first results from healthcare chains by the healthcare service provided by Mehiläinen. Use of remote doctors in healthcare chains of less than 500 euro provided a saving of 56 percent in costs. The company also announced it would experiment with

2378-516: The interest to Sweden. As the buyer was a foreign company, the company did not have to pay real estate transfer tax to Finland. For the parent company, the interest paid by the daughter company is exempt from tax. In 2010 the Swedish Triton AB became Mehiläinen's second main owner in addition to the American company KKR. In 2011 the aggressive tax shelter that Triton had been practicing in

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2436-486: The investment fund company Seligson & Co from 40% to 100%. The head office of LähiTapiola is located in Tapiola , Espoo . The LähiTapiola group consists of damage and life insurance companies, companies handling investments, funding and house investments, as well as 20 regional companies. In 2020 the group had about 1.6 million owner customers, about 3400 employees and over 200 offices all over Finland. In autumn 2020,

2494-634: The sick and also space for newly-born babies. The last completed part also had space for apartments and businesses. During the Winter War the hospital first served as a first aid station for the city of Helsinki, until it became a military hospital for the Finnish Red Cross , later known as the Töölö Hospital . The hospital also served as a military hospital during the Continuation War . During

2552-418: The supreme court had declined its appeal and the legal process that had been ongoing for several years was at an end. In 2011 the Swedish healthcare service company Carema owned by Triton received criticism about cutting expenses related to everyday healthcare services. Because of the public controversy caused by the death of a patient in an Esperi Care nursery home in January 2019, Yle revealed that of

2610-448: The three largest nursery home companies in Finland, Mehiläinen had had problems related to shortages of nursery staff just as well as Esperi Care and Attendo had. The Regional State Administrative Agency had found deficiencies in Mehiläinen nursery homes, but the problems were not as severe than with the other companies Yle had investigated. In autumn 2021 there were widespread news about problems in Mehiläinen nursery homes. The matter

2668-432: The total revenue. Of the revenue, 596.2 million euro came from the public sector, 306.3 million euro from corporate customers and the remaining 260.0 million euro from private customers. Mehiläinen employed about 70 software developers producing its digital services. Mehiläinen works abroad through the BeeHealthy brand. In spring 2021 BeeHealthy had 50 employees. In autumn 2021 the five largest owners of Mehiläinen were

2726-642: The tutelage of the estates. The first occasion was in 1756. Stimulated by his consort Louisa Ulrika of Prussia (sister of Frederick the Great ), he tried to regain a portion of the attenuated prerogative through the Coup of 1756 to abolish the rule of the Riksdag of the Estates and reinstate absolute monarchy in Sweden. He nearly lost his throne in consequence. On the second occasion during

2784-450: The two companies and both of them had futilely tried to merge with Fennia. The companies feared the business would turn to be led by banks, as their competitor the OP Group provided bonuses to its bank clients, which could be used in insurance payments. The fusion brought a competitive advantage in the growing competition. The birth of LähiTapiola was the responsibility of Kalpala, Moisander and

2842-506: Was an uncle of Catherine the Great and husband to Louisa Ulrika of Prussia . The first king from the House of Holstein-Gottorp , Adolf Frederick was a weak monarch, installed as first in line to the throne following the parliamentary government's failure to reconquer the Baltic provinces in 1741–1743. Aside from a few attempts, supported by pro- absolutist factions among the nobility, to reclaim

2900-423: Was announced as LähiTapiola. The LähiTapiola group officially started operation in 2013. The first CEO of LähiTapiola was Erkki Moisander . The fusion was one of the largest and arguably one of the most difficult in the economic history of Finland, as the corporate cultures of the two companies were different. The Tapiola group was a centralised, professionally led company, where the CEO at the time Asmo Kalpala had

2958-705: Was discontinued in June 1980. In 1984 the company bought the Hakaniemi medical station and its daughter company, the Kielotie medical station in Vantaa . The deal also included the Forum medical station, which only started activities in 1986. Mehiläinen renovated its concern structure from 1994 to 1995. The Kalevankatu medical station was fused to the parent company and the Forum medical station into

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3016-547: Was elected heir to the throne of Sweden by the Hat faction (Swedish: Hattarna ). The Hat faction wanted to obtain better conditions at the Treaty of Åbo from Empress Elizabeth. He succeeded to the Swedish throne on 25 March 1751. During his 20-year reign, Adolf Frederick was little more than a figurehead , the real power being with the Riksdag of the Estates , often distracted by party strife. Twice he endeavored to free himself from

3074-517: Was founded in Helsinki in 1909 as a small private hospital. It was founded by four Finnish-speaking doctors, Reguel Löfqvist, Akseli Koskimies, Walter Sipilä and K. F. Hirvisalo. The company was named after the mythical bee Mehiläinen in the national epic Kalevala , who healed Lemminkäinen as he was dying. The company was first located on the Huvilankatu street. The company bought two lots from

3132-519: Was late payment charges. In May 2019 Finnwatch published a tax responsibility document about the social and healthcare business, where Mehiläinen was ranked worst of the six healthcare companies mentioned in the document. Of the companies investigated, it got the most points for its public tax strategy, while its points were decreased by its loan strategy to decrease its taxable income, the ongoing legal process and that part of its business income had been converted into capital income. Mehiläinen received

3190-405: Was named Elo. In May 2014 the S-Bank and LähiTapiola merged into a new S-Bank. In 2016 LähiTapiola was the second largest damage insurance company with a revenue of 1.1 billion euro, of which the life insurance company had a share of 422 million euro. The company had 1.6 million owner customers. The total sum of client funds controlled by LähiTapiola was 9.7 billion euro, and its associates included

3248-465: Was paid in tax. In May 2016 Mehiläinen's CEO commented on the company's reputation which had suffered because of the tax shelter and said that because of the controversy the company's activities had been completely revised. Mehiläinen had been separated from its Swedish parent company and both the CEO and the board had been replaced. From 2017 to 2018 the Helsinki district court reviewed Mehiläinen's tax shelter from 2006 to 2012 when it had been part of

3306-510: Was the prince-bishop of Lübeck . This meant he ruled a fief around and including Eutin . After his first cousin, Charles Frederick, Duke of Holstein-Gottorp , died in 1739, Adolf Frederick became the administrator of Holstein- Kiel during the minority of the duke's orphan son, Charles Peter Ulrich. Shortly afterward, the young boy was invited to Russia by his maternal aunt, Empress Elizabeth , who soon declared him her heir. He later became known as Peter III of Russia . In 1743, Adolf Frederick

3364-493: Was woodworking, especially to make snuffboxes , which he reportedly spent a great deal of time doing. His hospitality and friendliness were witnessed by many who deeply mourned him at his death. By his marriage to Princess Louisa Ulrika of Prussia (which took place on 18 August/29 August 1744 in Drottningholm ), he had five children: With Jeanne Du Londel he had one son: With Marguerite Morel he had one son who died as

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