<?xml version="1.0" encoding="utf-8"?>
<xs:schema xmlns:terveyst="http://www.terveystalo.com" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" targetNamespace="http://www.terveystalo.com" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xs:import schemaLocation="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor.xsd" namespace="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor" />
  <xs:import schemaLocation="http://www.xbrl.org/lrr/arcrole/esma-arcrole-2018-11-21.xsd" namespace="http://www.esma.europa.eu/xbrl/esef/arcrole/wider-narrower" />
  <xs:import schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" namespace="http://www.xbrl.org/dtr/type/2022-03-31" />
  <xs:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="7437001AEZHLL3UEX093-2025-12-31_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="7437001AEZHLL3UEX093-2025-12-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="7437001AEZHLL3UEX093-2025-12-31_lab-fi.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="7437001AEZHLL3UEX093-2025-12-31_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor-lab-fi.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2024-03-27/esef_cor-gen-fi.xml" xlink:type="simple" />
      <link:roleType id="VoittoaTaiTappiotaOsoittavaLaskelma" roleURI="http://www.terveystalo.com/roles/VoittoaTaiTappiotaOsoittavaLaskelma">
        <link:definition>001 - Voittoa tai tappiota osoittava laskelma</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Tase" roleURI="http://www.terveystalo.com/roles/Tase">
        <link:definition>002 - Tase</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Rahavirtalaskelma" roleURI="http://www.terveystalo.com/roles/Rahavirtalaskelma">
        <link:definition>003 - Rahavirtalaskelma</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LaskelmaOmanPaeaeomanMuutoksista" roleURI="http://www.terveystalo.com/roles/LaskelmaOmanPaeaeomanMuutoksista">
        <link:definition>004 - Laskelma oman pääoman muutoksista</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NotesAndMandatoryItems" roleURI="http://www.terveystalo.com/roles/NotesAndMandatoryItems">
        <link:definition>005 - Notes and Mandatory Items</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Anchoring" roleURI="http://www.terveystalo.com/roles/Anchoring">
        <link:definition>99 - Groups all anchored elements</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="Terveyst_RawMaterialsAndConsumablesUsedAndServicesExpense" xbrli:balance="debit" xbrli:periodType="duration" name="RawMaterialsAndConsumablesUsedAndServicesExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="Terveyst_ReserveForInvestedUnrestrictedEquity" xbrli:balance="credit" xbrli:periodType="instant" name="ReserveForInvestedUnrestrictedEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="Terveyst_InterestReceivedClassifiedAsFinancingActivities" xbrli:balance="debit" xbrli:periodType="duration" name="InterestReceivedClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="Terveyst_ReserveForInvestedUnrestrictedEquityMember" xbrli:periodType="duration" abstract="true" name="ReserveForInvestedUnrestrictedEquityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" />
</xs:schema>