Unika Försäkringar

What Unika Försäkringar does

Unika Försäkringar AB is a Stockholm-based insurance intermediary, founded in 2018–2019, that distributes a specialist critical-illness insurance product under the brand Specialist Care Global+ (Specialistvård Global+) to Swedish consumers and, to a lesser extent, Swedish companies for employee benefits. The product is designed to address gaps in Swedish public healthcare by providing insured customers access to international medical treatment, second medical opinions, travel and accommodation coverage, daily hospital compensation, and medicine reimbursement, with up to SEK 20 million in lifetime coverage per insured person and no deductible or waiting period.

The company operates a digital, direct-to-consumer platform at unikaforsakringar.se that enables anonymous price discovery, online policy purchase, and self-service policy management through a BankID-authenticated customer portal, supplemented by phone, email, and chat support. Underwriting is provided exclusively by Axeria Iard (French insurer, reg. no. 352 893 200), and the operational delivery of cross-border medical services — including second opinions and treatment organization across 30+ countries — is handled by partner Further, which supplies access to a network of 53,000 world-leading doctors and specialists. An add-on Health Checkup (Hälsokontroll) service analyzes 8 health areas on a one-time or annual subscription basis.

Commercially, Unika earns recurring revenue through monthly insurance premiums starting at SEK 170 and unit-priced health checkups starting at SEK 1,650 (with a discounted annual subscription). As an intermediary rather than a risk carrier, the economics depend on the spread retained between premiums collected and premiums ceded to Axeria Iard, plus margins on ancillary services. The company employs 1–10 people, operates under Finansinspektionen supervision, and has no disclosed external funding.

Name

Unika Försäkringar

Legal name

Unika Försäkringar

Website

https://unikaforsakringar.se

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Unika Försäkringar is a Stockholm-based insurance intermediary that distributes critical-illness specialist health insurance and health checkup services to Swedish consumers and companies, providing access to international medical specialists underwritten by Axeria Iard.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

akta.pro secondary industries

Disease-Specific & Condition-Specific Critical Illness (e.g., Cancer, Heart/Stroke) (FSAIAKAH), Guaranteed Issue & Simplified Issue Critical Illness/Hospital Indemnity (FSAIAKAG)

Keywords

• Specialist health insurance
• Critical illness insurance
• International medical treatment
• Health checkup services
• Insurance intermediary

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Recurring insurance premiums for specialist health insurance coverage. Customers pay monthly or annual premiums for access to world-leading healthcare, second opinions, and treatment coverage up to SEK 20 million.
2. Health Checkup Services: One-time or recurring health checkup services analyzing 8 key health areas including heart/vessels, thyroid, diabetes, vitamins/minerals, liver/renal function, blood status, and inflammation markers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Unika Försäkringar is a Swedish insurance intermediary that distributes specialist health insurance (Specialist Care Global+) covering critical illnesses such as cancer, coronary surgery, heart valve procedures, neurosurgery, organ transplants, and bone marrow transplantation, with treatment delivered abroad at leading international hospitals. Coverage extends up to SEK 20 million per person per lifetime and includes a second medical opinion, travel and accommodation, daily hospital compensation, and paid medicine in Sweden. The company also offers a separate annual Health Checkup service analyzing 8 health areas, with Axeria Iard as the exclusive insurer and Further as the medical services partner.

Product overview

Unika Försäkringar is an insurance intermediary offering two main products: Unika Specialistvård Global+ (Specialist Care Global+) as the core specialist health insurance product, and Health Checkup (Hälsokontroll) as an add-on health assessment service. The flagship insurance product provides access to world-leading healthcare for critical illnesses abroad, working in partnership with Further (a medical services organizer with presence in over 30 countries). The company acts as an insurance intermediary, with Axeria Iard as the exclusive insurer, supervised by the Swedish Financial Supervisory Authority.

Differentiator

Problem solved

Functional benefit

Brands

• Specialistvård Global+ (Swedish) / Specialist Care Global+ (English): Health insurance product covering critical illnesses with access to world-leading healthcare specialists and treatment abroad, including cancer treatment, coronary surgery, heart valve procedures, neurosurgery, organ transplants, and bone marrow transplantation.

Products and services

• Specialist Care Global+ (Specialistvård Global+) A specialist health insurance product for Swedish consumers that covers medical treatment of critical illnesses abroad, including cancer treatment, coronary surgery, heart valve replacement/repair, neurosurgery, organ transplantation from living donors, and bone marrow transplantation. Includes a second medical opinion from world-leading specialists, coverage of travel and accommodation for patient and companion, daily hospital compensation of SEK 1,000 for up to 60 days, and reimbursement of medical costs in Sweden up to SEK 500,000. Total maximum compensation is SEK 10 million per injury and SEK 20 million per person/lifetime, with no deductible and no waiting period. Premiums start from 170 SEK per month.
• Health Checkup (Hälsokontroll) An annual health checkup service providing comprehensive analysis across 8 key health areas: heart and vessels, thyroid gland, diabetes, vitamins and minerals, liver function, renal function, blood status, and inflammation. Digital referrals are sent to affiliated sampling points, with results delivered within 2–4 workdays. Health checkups start from 1,650 SEK with an annual subscription option that saves 200 SEK.

Quantifiable outcome

• Insurance coverage up to SEK 20 million per person and lifetime, with SEK 10 million per injury
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• FurthercoreStrategic or Co-development PartnerFurther is a strategic partner providing access to world-class medical advice and treatment. They have a proven track record of meeting complex medical needs from advanced surgeries to treatments available only through selected foreign medical operators. Further is responsible for organizing and financing treatment services abroad, as well as organizing second medical opinions. Their founding team has over 50 years of combined insurance industry experience and presence in over 30 countries spanning three continents.
• Axeria IardcoreOEM/ Whitelabel/ Licensing PartnerAxeria Iard (Insurance Company No. 352 893 200) is the exclusive insurer for Unika Försäkringar. Unika operates as an insurance intermediary, with Axeria providing the actual insurance coverage and underwriting. Unika markets and distributes the insurance products under their brand.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Euro Accident: Nordic insurance specialist focused on health, accident, and critical-illness cover sold to individuals and employers — most direct functional peer to Unika's specialist care offering.

Broad incumbents

• Skandia: Large established Swedish insurer offering health and life insurance products including critical-illness cover to individuals and corporate clients, competing in the same end market.
• Folksam: Major Swedish mutual insurer with broad health, life, and accident insurance portfolios that overlap with Unika's critical-illness use case.
• Trygg-Hansa: One of Sweden's largest insurers (RSA/Intact group) selling personal and commercial health insurance with critical-illness components.
• If Skadeförsäkring: Leading Nordic P&C and health insurer (Sampo Group) serving individuals and corporates across Sweden with overlapping health and accident cover.
• Länsförsäkringar: Swedish insurance group offering life, health, and accident products to individuals and businesses, including critical-illness options.
• Allianz Care: International health insurer of the Allianz Group offering critical-illness and international treatment coverage to globally mobile individuals — overlapping customer use case.

Emerging players

• Bupa Global: International private medical insurer with cross-border treatment and second-opinion offerings — comparable value proposition to Unika Specialist Care Global+ on the international care component.
• Cigna Global Health: Global health insurer with cross-border treatment access and international provider networks — partial overlap on Unika's abroad-treatment differentiator.

Regional players

• Falck Healthcare: Nordic private healthcare and insurance provider offering supplementary health services and corporate health benefits — comparable Swedish employer-benefit channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Unika Försäkringar