Akademikernas a-kassa

What Akademikernas a-kassa does

Akademikernas a-kassa is Sweden's largest unemployment insurance fund (a-kassa), serving approximately 820,000 members who hold a higher-education qualification (university graduates, students on track to 180 credits, researchers, engineers, physicians, nurses, teachers, and self-employed academics). Founded as a mutual non-profit (yrkeskassa) under Swedish law and headquartered in Stockholm, the fund operates as part of the statutory Swedish unemployment insurance system regulated by law (2024:506). Members pay a flat monthly fee of 140 SEK and, when involuntarily unemployed, receive income-based compensation of up to 27,200 SEK per month for up to 300 days, conditional on registration with Arbetsförmedlingen.

The product surface is built around digital self-service. Members enroll and authenticate via BankID through the public website (akademikernasakassa.se); benefit applications, time reporting, and caseworker communication are handled in the Mina sidor portal (aea.minasidor.org); membership administration and fee payment via Swish run through Mitt medlemskap (medlem.akademikernasakassa.se). A Kundo-powered public Q&A forum (397+ posts), a compensation calculator (Räkna ut din ersättning), an online installment-plan application (Avbetalningsplan), monthly unemployment statistics, and an annual Arbetslöshetsrapporten extend the platform beyond core claims. No proprietary technology stack is described; the architecture is a standard regulated-services web platform with integrations to Arbetsförmedlingen, Försäkringskassan, Skatteverket, and Swedbank for eligibility, income verification, and benefit disbursement.

The business model is subscription/mutual: uniform 140 SEK monthly fees from 820,000 members generate the operating budget (≈1.38 billion SEK annualized gross fee volume). Acquisition is direct-to-consumer via the website and trade-union channels rather than paid marketing. Distribution is enabled by an ecosystem of 21+ major Swedish trade unions (Sveriges Ingenjörer, Akavia, Vårdförbundet, Svenska Läkarförbundet, Naturvetarna, Officersförbundet, DIK, Fysioterapeuterna, Akademikerförbundet SSR, and others) that bundle supplemental income insurance covering up to 80% of salary for members who also hold a-kassa membership. The fund is partipolitically unbound, non-profit, and governed by its members and affiliated unions; no parent company, external owner, or funding round is identified.

Name

Akademikernas a-kassa

Legal name

Akademikernas a-kassa

Website

https://akademikernasakassa.se

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

51–100 employees

Short description

Akademikernas a-kassa is Sweden's largest unemployment insurance fund, serving approximately 820,000 academic members with income-based benefits funded by a flat 140 SEK monthly membership fee and distributed in partnership with 21+ trade unions.

Ownership category

akta.pro rank

Product category

Unemployment Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Services-Membership Organizations (8600), Services-Employment Agencies (7361)

akta.pro primary industry

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

akta.pro secondary industries

Earned Wage Access (EWA) & Salary Advances (FSAKAMAE), Professional Employer Organization (PEO) / Co-Employment Services (BPACAHAB)

Keywords

• Unemployment insurance fund
• Income protection services
• Mutual insurance scheme
• Academic member services
• Statutory benefits administration

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Membership fees: Monthly membership fees from 820,000 members. Fee is 140 SEK per month (approximately 14 EUR). The organization is non-profit and part of the Swedish unemployment insurance system regulated by the government.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Akademikernas a-kassa is a mutual unemployment insurance fund (a-kassa) for individuals with higher education in Sweden, offering income replacement during unemployment. Members pay 140 SEK per month and can receive compensation up to 27,200 SEK per month for up to 300 days, based on previous income (80% of salary up to 34,000 SEK). An optional add-on via affiliated trade unions covers up to 80% of full salary. The service is delivered through a fully digital self-service platform with BankID authentication.

Product overview

Akademikernas a-kassa is Sweden's largest unemployment insurance fund (a-kassa) serving approximately 820,000 members who have completed higher education. The organization operates as a single core product—a statutory unemployment insurance scheme—supplemented by digital self-service tools including Mina sidor (member portal for benefit applications and time reporting), Mitt medlemskap (membership management portal), and E-tjänster (e-services). An optional add-on, Inkomstförsäkring via facket, provides supplemental income insurance up to 80% of salary through affiliated trade unions. Additional tools include a compensation calculator (Räkna ut din ersättning), an installment plan application system (Avbetalningsplan), a member Q&A forum, and statistical reporting including the annual Arbetslöshetsrapporten.

Differentiator

Problem solved

Functional benefit

Products and services

• Akademikernas a-kassa (Unemployment Insurance Membership) Statutory unemployment insurance fund for academics in Sweden. Members pay 140 SEK/month and can receive up to 27,200 SEK/month for up to 300 compensation days based on previous income. Designed for university graduates, students, and self-employed individuals with academic backgrounds.
• Inkomstförsäkring via facket (Income Insurance via Union) Supplemental income insurance offered through affiliated trade unions (21+ unions), providing up to 80% of salary when combined with a-kassa benefits. Available exclusively to members who also belong to a partner trade union.

Quantifiable outcome

• 9 out of 10 unemployed members found unemployment compensation crucial for their personal finances
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and major.

• Arbetsförmedlingen (Public Employment Service)coreStrategic or Co-development PartnerCore operational partnership. Members must be registered with Arbetsförmedlingen to receive unemployment benefits. The organizations coordinate on job search requirements, activity reports, and employment programs.
• Försäkringskassan (Social Insurance Agency)coreStrategic or Co-development PartnerCoordinates on activity support payments, parental leave, sick pay data. For members in labor market programs, Försäkringskassan pays activity support based on a-kassa's income determination.
• Skatteverket (Tax Agency)coreStrategic or Co-development PartnerData sharing for income verification. Receives information about paid compensation and preliminary taxes. Uses tax data for income calculations for self-employed members.
• SwedbankcoreTechnology or IntegrationBanking partner for benefit payments. Members must register bank account via Swedbank's account registry for direct deposit of unemployment benefits.
• Akademikerförbundet SSRmajorChannel Partner/ Reseller/ DistributorTrade union partner offering income insurance to members. Academics who are members of this union can access supplementary income insurance through their union membership.
• AkaviamajorChannel Partner/ Reseller/ DistributorTrade union partner. Members of this union can access income insurance supplements when combined with a-kassa membership.
• DIKmajorChannel Partner/ Reseller/ DistributorTrade union for cultural and information professionals. Partnership for income insurance distribution to members.
• FysioterapeuternamajorChannel Partner/ Reseller/ DistributorTrade union for physiotherapists. Partnership for income insurance distribution.
• Svenska LäkarförbundetmajorChannel Partner/ Reseller/ DistributorSwedish Medical Association. Trade union partnership for income insurance for physicians.
• NaturvetarnamajorChannel Partner/ Reseller/ DistributorSwedish Union of Scientists. Trade union partnership for natural scientists and related professionals.
• OfficersförbundetmajorChannel Partner/ Reseller/ DistributorSwedish Officers Association. Trade union partnership for military officers.
• Sveriges IngenjörermajorChannel Partner/ Reseller/ DistributorSwedish Association of Engineers. Major trade union partnership for engineering professionals.
• VårdförbundetmajorChannel Partner/ Reseller/ DistributorSwedish Nurses Association. Trade union partnership for nurses and healthcare professionals.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Vision: Swedish union and a-kassa for local government and public sector employees. Directly comparable as a registered unemployment insurance fund operating under identical Swedish regulatory framework, though focused on municipal/civil servants rather than academics.
• Unionen: Sweden's largest trade union for white-collar private sector workers, with its own unemployment insurance fund. Operates in the same Swedish a-kassa system, serving a related but broader (non-academic) white-collar segment with similar income-protection mechanics.
• Kommunal: Sweden's largest trade union for municipal workers, with its own a-kassa function. Operates under identical unemployment insurance regulations, serving a different (municipal blue-collar) demographic but with the same income-replacement value proposition.
• IF Metall: Swedish trade union and a-kassa for metalworkers and industrial employees. Functions as a parallel unemployment insurance fund under the same regulatory framework (law 2024:506), targeting a different occupational segment with identical fee-and-benefit structure.
• Ledarna: Swedish union for managers and leaders, also operating as an a-kassa. Directly comparable as a registered unemployment insurance fund, though focused on the management segment rather than broader academic professionals.

Emerging players

• Sveriges Ingenjörer: Swedish Association of Engineers - a Saco-affiliated union and existing channel partner of Akademikernas a-kassa. Highly comparable given the academic-engineer overlap, though it operates more as a professional union than a standalone unemployment fund.
• Akavia: Swedish trade union for economists, lawyers, and social scientists. A Saco-affiliated union and existing channel partner of Akademikernas a-kassa, with overlapping academic membership base and shared income-insurance distribution.

Broad incumbents

• Folksam: Major Swedish mutual insurance company offering life, accident, and income protection insurance. Comparable as a broad incumbent providing complementary/coverage-overlapping products with the a-kassa unemployment benefit system.
• Trygg-Hansa: Major Swedish insurance company offering income protection, life, and accident insurance products. Comparable as a broader insurance incumbent that competes for income-replacement wallet share in the Swedish market alongside the a-kassa system.

Regional players

• Saco (Swedish Confederation of Professional Associations): Umbrella organization for Swedish professional associations representing academics. While not a direct a-kassa itself, Saco sets policy direction for member unions and funds including Akademikernas, making it a closely linked industry body.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/akademikernas
• Instagraminstagram.com/akademikernasakassa
• Xx.com/akademikernas
• Facebookfacebook.com/akademikernas

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Akademikernas a-kassa