Hedvig Income Protection Insurance 2026

What is Hedvig income protection insurance?

Income protection insurance (trygghetsförsäkring) is Hedvig's newest product. It pays a fixed monthly amount if you lose your job or go on sick leave, so you can keep paying rent, mortgage interest, electricity and other fixed costs while you get back on your feet.

You choose between SEK 6,000 and SEK 12,000 per month. The benefit is tax-free and paid monthly in arrears for up to 12 months.

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Unemployment

Paid if you are made redundant or your business can no longer support you. Not if you resign yourself.

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Sick leave

On sick leave you get a share of the amount matching your sick-leave rate, e.g. 50, 75 or 100%.

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Fixed costs

Rent or housing fee, mortgage interest, electricity, water, heating, broadband, phone, insurance, parking and streaming.

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Tax-free

SEK 6,000 or 12,000 per month, tax-free, for up to 12 months. Max 90% of lost net salary.

How the benefit works

	Hedvig income protection
Monthly benefit	SEK 6,000 or 12,000
Waiting period	30 days
Maximum benefit period	12 months
Cap	90% of lost net salary
Tax	Tax-free
Qualifying period – illness/accident	30 days
Qualifying period – unemployment	90 days (employed), 180 days (self-employed)

Who can sign up?

You can sign up if you are 18–65 years old, and cover ends at age 67. You need a steady income from one of the following:

Permanent employment – at least 22 hours/week and at least 6 months with the same employer
Fixed-term employment – at least 22 hours/week and at least 12 months with the same employer
Own business – run for at least 12 months, your main income, and you work at least 22 hours/week

Income protection price

from SEK 149/mo

Average SEK 309/month according to Hedvig. Most pay SEK 159–489/month depending on age, amount and employment type.

Average price by age

Hedvig's own average monthly prices. Working hours and salary do not affect the price.

Age	SEK 6,000/mo	SEK 12,000/mo
18–25	SEK 149	SEK 299
26–35	SEK 159	SEK 319
36–45	SEK 229	SEK 459
46–55	SEK 279	SEK 549
56–65	SEK 349	SEK 689

— Frequently Asked Questions

Common questions about Hedvig income protection

How much does Hedvig income protection insurance cost? +

According to Hedvig, the cheapest policy costs SEK 149/month and the average is SEK 309/month. Most people pay between SEK 159 and 489/month. The price depends on your age, whether you choose SEK 6,000 or 12,000 per month, and your type of employment – not on your salary or working hours. With referral code HEDDA you get a lower price.

Which costs does the insurance cover? +

Your fixed monthly costs, such as rent or housing fees, mortgage interest, electricity, water, heating, waste collection, phone and broadband, insurance, parking, vehicle tax and streaming services.

How much can I get paid? +

You choose SEK 6,000 or 12,000 per month. If you are on sick leave, you get a share matching your sick-leave rate. The benefit is tax-free, paid for up to 12 months and can never exceed 90% of your lost net salary.

How long must I have had the insurance to get paid? +

The policy must have been active for at least 30 days before illness or accident, at least 90 days before unemployment if you are employed, and at least 180 days before unemployment if you are self-employed. After that, there is a 30-day waiting period from when you become unemployed or go on sick leave.

Am I covered if I resign myself? +

No. The insurance does not cover voluntary unemployment or dismissal due to misconduct.

Isn't unemployment insurance (a-kassa) enough? +

A-kassa pays up to 80% of your salary, but at most SEK 27,200/month before tax. If you earn more than SEK 34,000/month, the gap grows. Income protection insurance pays a fixed amount regardless of income and can complement a-kassa.

Does referral code HEDDA work for income protection insurance? +

Yes, code HEDDA works for all Hedvig insurance products – including the new income protection insurance.

Hedvig Income Protection with referral code HEDDA