Hedvig

Hedvig is a modern, digital-first insurance company headquartered in Stockholm, Sweden, dedicated to redefining the traditional insurance experience. Founded in 2017 by Lucas Carlsén, Fredrik Fors, and John Ardelius, the company was established with a mission to replace the complex and often adversarial nature of the insurance industry with a service built on trust, simplicity, and transparency. Hedvig offers a comprehensive range of insurance products, including home, car, pet, accident, and student coverage, all accessible through an intuitive mobile application designed for the modern consumer.

The company distinguishes itself through its unique business model and 'nice' approach to insurance. Unlike traditional insurers that may profit from denying claims, Hedvig charges a fixed fee for its services and pools the remaining premiums to pay for claims. If there is money left over at the end of the year, it is donated to a charity chosen by the members, thereby removing the conflict of interest between the insurer and the insured. This approach fosters a community-centric atmosphere where members feel supported rather than scrutinized.

Hedvig's technology stack leverages advanced data analytics and artificial intelligence to streamline the claims process, often allowing for instant payouts and immediate assistance. The company's commitment to exceptional service is reflected in its rapid growth and high customer satisfaction ratings across Scandinavia. By combining cutting-edge technology with a human-centric philosophy, Hedvig aims to create an insurance experience that people can actually like, providing peace of mind and freedom to live life fully.