What Hedvig Offers
Hedvig’s product range focuses on personal lines insurance. In Sweden, the core offerings include home insurance for both renters and homeowners, accident insurance, and travel insurance. Policies are sold and managed digitally — there are no paper forms, no phone queues, and claims are handled through the app, often with fast turnaround times.
One of Hedvig’s defining features is its use of a flat monthly fee model combined with a claims pool. A portion of premiums goes into a shared pool to cover claims; any surplus at year-end is donated to a charity chosen by the customer. This structure is intended to reduce the traditional conflict of interest between insurer and policyholder.
Hedvig in the Swedish Market
Sweden’s insurance market is dominated by established names like Folksam, If, and Trygg-Hansa. Hedvig has carved out a niche by targeting digitally native customers who find legacy insurers slow and impersonal. Pricing is transparent, sign-up takes minutes, and the app experience is consistently rated highly in the Swedish App Store and Google Play.
For expats, Hedvig is a practical option — the app and customer support are available in English, which is uncommon among Swedish insurers. If you are new to Sweden and unsure how local coverage works alongside state protections, it is worth reading about the Swedish Social Insurance Agency to understand what the state already covers before buying supplemental policies.
Hedvig also offers pet insurance in Sweden, covering both dogs and cats — a product category that sees high demand among Swedish households.
Things to Consider
- Coverage limits: Hedvig’s policies are competitive but may have lower limits than some traditional insurers for high-value items.
- Deductibles: Understanding how your excess works is important — see our guide on what a deductible means in practice.
- No broker network: Everything is self-service, which suits confident buyers but may not suit those who want personal advice.
Overall, Hedvig is a credible, modern insurer well suited to expats and younger residents in Sweden. For a broader view of who operates in the Swedish market, see the full insurance companies overview.
