Akademiker försäkring

What Akademiker försäkring does

Akademikerförsäkring is a Swedish insurance broker (försäkringsförmedlare) founded in 1993 and headquartered in Stockholm. The company distributes a broad portfolio of personal, property, casualty, and business insurance products to members of six Saco-affiliated trade unions—Sveriges Ingenjörer, Akademikerförbundet SSR, Naturvetarna, DIK, Sveriges Arbetsterapeuter, Logopedförbundet, and Sveriges Farmaceuter—representing approximately 349,000 academic professionals. Insurance products are underwritten by Skandia, Trygg-Hansa, Svedea, Dina Försäkringar, Bliwa, and HELP, and span life, health, accident, income, diagnosis, home, vehicle, pet, pregnancy, child, legal, and business insurance lines, alongside mental health and pension products. The company provides free, commission-free advisory services, a digital self-service portal (Mina sidor) authenticated via BankID, a claims-assistance service (Skadehjälpen), and editorial content via Magasinet.

The business model is a non-proprietary, commission-based intermediary: Akademikerförsäkring aggregates demand across union members to negotiate group rates with multiple carriers and earns broker fees embedded in member premiums. The company is wholly owned by Akademikertjänst, a holding entity owned by the six affiliated unions; any surpluses are returned to member unions rather than distributed as profit, framing the business as a member-benefit organization rather than a profit-maximizing entity. Distribution is strictly B2B2C through union membership channels, supplemented by phone advisory, in-person consultations, and a partner-invitation system that extends member pricing to co-habiting partners. The company operates with 11–50 employees and reported three consecutive years of industry customer service awards (2024, 2025, 2026) with a 96% customer satisfaction rating. No proprietary technology platform or AI capabilities are disclosed; the value proposition rests on group negotiation leverage, union-backed trust, and multi-carrier portfolio aggregation.

Name

Akademiker försäkring

Legal name

AB Akademikerförsäkring i Stockholm

Website

https://akademikerforsakring.se

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Akademikerförsäkring is a Stockholm-based insurance broker founded in 1993 that distributes group-negotiated personal, property, and business insurance to approximately 349,000 members of six Saco-affiliated Swedish trade unions, operating as a non-profit member-benefit intermediary owned by Akademikertjänst.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

akta.pro secondary industries

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• Insurance brokerage
• Group insurance
• Union member benefits
• Personal insurance
• Property and casualty insurance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premium distribution / broker fees: Akademikerförsäkring acts as an insurance broker (försäkringsförmedlare) for its affiliated trade unions. The company negotiates group insurance products with insurance providers (Skandia, Trygg-Hansa, Svedea, Dina Försäkringar, Bliwa, HELP) and administers these for union members. Revenue is generated through broker fees embedded in insurance premiums paid by members. For certain insurance types (e.g., income insurance), claims are paid through the underlying insurance providers (e.g., Bliwa from Jan 2026, previously Folksam). The company is owned by Akademikertjänst and any surpluses are returned to member unions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Akademiker försäkring is a Swedish insurance broker (försäkringsförmedlare) that negotiates and distributes a broad portfolio of personal, health, accident, income, property, vehicle, pet, and business insurance products on behalf of six affiliated Saco trade unions. The company aggregates group insurance from multiple underlying providers (Skandia, Trygg-Hansa, Dina Försäkringar, Svedea, Bliwa, HELP) and offers them exclusively to members of the affiliated unions and their invited partners, supplemented by free advisory, claims assistance, and digital self-service tools.

Product overview

Akademiker försäkring is a group insurance broker owned by six Swedish trade unions within Saco. It offers a broad portfolio of individually priced insurance products — both personal/person insurance and property/damage insurance — procured through framework agreements with leading Swedish insurers. The core personal insurance suite includes life insurance, health/sickness insurance, income insurance, accident insurance, sickness-and-accident combined insurance, diagnosis insurance, security capital insurance, and mental health insurance, primarily underwritten by Skandia and Trygg-Hansa. Property and casualty insurance includes home, villa, holiday home, car, motorcycle, boat, and pet (dog/cat/horse) insurance, underwritten by Trygg-Hansa, Dina Försäkringar, and Svedea. Special segments include student insurance, child insurance, and pregnancy insurance, as well as tailored business insurance for self-employed members of Akademikerförbundet SSR and DIK. The company also provides advisory, claims, pension planning, and digital self-service tools (Mina sidor, Försäkringskollen, Hälsoslussen) as accompanying services.

Differentiator

Problem solved

Functional benefit

Brands

• Försäkringsrådgivning: A free insurance advisory service for members to choose the right protection based on their life situation.
• Hälsoförsäkring vid psykisk ohälsa
• Försäkringskollen
• Hälsoslussen
• Skadehjälpen
• Hitta dina försäkringar (via Insurely)
• Småföretagarhjälpen

Products and services

• Barnförsäkring (Child Insurance)
• Livförsäkring (Life Insurance)
• Sjukförsäkring (Health/Sickness Insurance)
• Olycksfallsförsäkring (Accident Insurance)
• Sjuk- och olycksfallsförsäkring (Combined Sickness and Accident Insurance)
• Diagnosförsäkring (Diagnosis Insurance)
• Trygghetskapitalförsäkring (Security Capital Insurance)
• Inkomstförsäkring (Income Insurance with Add-on)
• Hemförsäkring (Home Insurance)
• Villaförsäkring (House/Villa Insurance)
• Bilförsäkring (Vehicle Insurance, including Enthusiast Car)
• Vårdförsäkring (Private Healthcare Insurance)
• Hundförsäkring (Dog Insurance)
• Kattförsäkring (Cat Insurance)
• Gravidförsäkring (Pregnancy Insurance)
• Företagsförsäkring (Business Insurance for Self-Employed)
• Studenthemförsäkring (Student Home Insurance)
• Studentolycksfallsförsäkring (Student Accident Insurance)
• Fritidshusförsäkring (Holiday Home Insurance)
• Båtförsäkring (Boat Insurance)
• Mc-försäkring (Motorcycle Insurance)
• Hästförsäkring (Horse Insurance)
• Juristförsäkring (Legal Insurance)
• Livförsäkring Egenföretagare (SSR) (Life Insurance for Self-Employed SSR Members)
• Olycksfallsförsäkring Egenföretagare (SSR) (Accident Insurance for Self-Employed SSR Members)
• Vidareförsäkring Skandia (Continuation Insurance)
• Tjänstepension med sjukförsäkring (Occupational Pension with Health Insurance)
• Seniorolycksfallsförsäkring (Senior Accident Insurance)
• Försäkringsrådgivning (Insurance Advisory Service)
• Skadeanmälan / Skadehjälpen (Claims Service)
• Fixa pensionen (Pension Advisory Service)

Quantifiable outcome

• 96% customer satisfaction rating, ranked among best in insurance industry in 2024, 2025, 2026

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

16 partnerships are on record, tiered core and secondary.

• AkademikertjänstcoreOthers · 1 January 1990Akademikertjänst is the parent company and sole owner of Akademikerförsäkring. It was established in 1990 by three Saco-affiliated unions (DIK, Akademikerförbundet SSR, and Ingenjörsförbundet). Akademikerförsäkring was formed in 1993 as an administrative broker and became a full insurance broker (försäkringsförmedlare) in late 2005. Akademikertjänst is owned by six trade unions representing approximately 349,000 academics.
• SkandiacoreTechnology or IntegrationSkandia is one of the primary insurance providers behind Akademikerförsäkring's personal insurance products, including life, sickness, accident, and senior insurance policies. Skandia administers child insurance (barnförsäkring) and life insurance for self-employed members (egenföretagare). Claims and policy management for Skandia-held policies are handled through Skandia's systems.
• Trygg-HansacoreTechnology or IntegrationTrygg-Hansa provides property insurance products (home, car, pet/horses, boat) through Akademikerförsäkring. They also provide pregnancy insurance, child insurance, diagnosis insurance, and care insurance. Their care planning team handles care insurance appointments (private planned care within 6 working days, surgery within 14 days).
• SvedeacoreTechnology or IntegrationSvedea provides business insurance (företagsförsäkring) for self-employed members of Akademikerförsäkring's affiliated unions, particularly for Akademikerförbundet SSR and DIK members. They handle sales, policy changes, and cancellations of business insurance policies and optional add-ons.
• BliwacoreTechnology or IntegrationBliwa provides income insurance (inkomstförsäkring) for members of Akademikerförbundet SSR. From January 2026, members apply for income insurance compensation through Bliwa. A supplementary top-up insurance is also available through Bliwa. Premium calculations can be performed via Bliwa's partner page.
• Dina FörsäkringarsecondaryTechnology or IntegrationDina Försäkringar provides pet insurance (cat and dog) and property insurance (home, car) through Akademikerförsäkring's platform. They offer cat insurance from 6 weeks of age and dog insurance from 4 weeks of age.
• HELP FörsäkringsecondaryTechnology or IntegrationHELP provides legal insurance (juristförsäkring) products through Akademikerförsäkring. Available as a personal legal insurance, a run-off legal insurance, and a business legal insurance.
• InsurelysecondaryTechnology or IntegrationInsurely provides a digital tool that allows members to retrieve and consolidate insurance information from multiple insurance providers, helping members get a comprehensive overview of their existing insurance coverage.
• Sophiahemmet Rehab CentercoreStrategic or Co-development PartnerSophiahemmet Rehab Center provides mental health services through Akademikerförsäkring's health insurance for mental health issues (hälsoförsäkring vid psykisk ohälsa). They operate throughout Sweden with approximately 30 psychologists and several health and rehabilitation advisors. Services include preventive psychological support, rehabilitation guidance, and a 'Sustainable Career' (Hållbar Karriär) program from January 2026. They also provide health support within the sickness insurance product.
• Akademikerförbundet SSRcoreOthersOne of six affiliated trade unions that co-own Akademikertjänst and whose members access insurance through Akademikerförsäkring. Members of Akademikerförbundet SSR have access to income insurance (via Bliwa) and special business insurance for self-employed members (via Svedea, included in membership).
• DIKcoreOthersOne of six affiliated trade unions that co-own Akademikertjänst. Self-employed DIK members receive a business insurance package included in their union membership (via Svedea).
• Sveriges IngenjörercoreOthersOne of six affiliated trade unions that co-own Akademikertjänst. Members access negotiated insurance products through Akademikerförsäkring.
• NaturvetarnacoreOthersOne of six affiliated trade unions that co-own Akademikertjänst. Members access negotiated insurance products through Akademikerförsäkring.
• Sveriges ArbetsterapeutersecondaryOthersOne of six affiliated trade unions that co-own Akademikertjänst. Members access negotiated insurance products through Akademikerförsäkring.
• LogopedförbundetsecondaryOthersOne of six affiliated trade unions that co-own Akademikertjänst. Members access negotiated insurance products through Akademikerförsäkring.
• Sveriges FarmaceutersecondaryOthersOne of six affiliated trade unions that co-own Akademikertjänst. Members access negotiated insurance products through Akademikerförsäkring.

Scale indicators2 records

Recent moves9 records

Expansion highlights7 records

Broad incumbents

• Trygg-Hansa: Major Swedish insurer (part of the RSA/Intact group) that both supplies Akademikerförsäkring's products and competes directly for the same households in home, car, and private healthcare insurance. Comparable on product overlap while also functioning as a key carrier partner.
• If Skadeförsäkring: One of the largest general insurers in the Nordics, offering motor, home, health, and commercial insurance across Sweden. Comparable as a broad Swedish incumbent that competes for the same household insurance wallet, particularly in property/casualty lines.
• Marsh Sweden: Global insurance broker with Nordic operations providing risk advisory and insurance placement to corporate clients. Comparable broker business model and advisory positioning, though focused on commercial rather than union/individual segments.
• Willis Towers Watson (WTW) Sweden: Global advisory and brokerage firm with Swedish operations offering insurance brokering, benefits administration, and risk consulting. Comparable multi-carrier brokerage and advisory model, though oriented to enterprise rather than individual union members.
• Aon Sweden: Global insurance broker with a substantial Sweden presence, serving corporate and high-net-worth clients with risk, reinsurance, and employee benefits brokerage. Comparable as a broker/aggregator model, though primarily serving larger commercial clients rather than union members.
• Länsförsäkringar: Swedish regional mutual insurance group offering a wide range of life, health, and P&C insurance products. Comparable as a large Swedish mutual/association-affiliated insurer competing for the same academic and professional households, though operating more broadly than the Saco-union niche.

Direct peers

• KPA Pension: Pension and insurance provider tied to the unionized municipal and county council sector in Sweden, operating on a mutual basis for members of relevant trade unions. Directly comparable union-affiliated insurance model, though focused on the public-sector worker segment.
• Dina Försäkringar: Swedish cooperative insurer owned by regional customer-owned insurance companies, providing home, car, and pet insurance. Comparable as a smaller mutual/cooperative Swedish insurer that also serves as a carrier partner to Akademikerförsäkring.
• Söderberg & Partners: Nordic insurance broker and wealth advisor with strong presence in Sweden and the Nordics, distributing group and individual insurance products across multiple carriers. Comparable in broker/distributor business model and multi-carrier platform, though serving broader client segments beyond unions.
• Folksam: Swedish cooperative insurer with deep roots in the trade union movement (LO, TCO, Saco affiliates), offering group life, health, accident, and property insurance to union members on a mutual basis. Directly comparable as a union-affiliated insurance provider in the same Swedish market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/akademikerforsakring

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Akademiker försäkring