HK Collective Income Protection
Fully paying HK member – automatically included
- Price
- 55 DKK/month - charged with membership fees
- On top of unemployment benefits
- max. 38,292 DKK/month
Last verified
Compare income protection insurance in Denmark – verified terms from all providers
An independent overview of income protection from unemployment insurance funds, trade unions and insurance companies – with links to each provider’s own terms.
32 policies in total
6 collective policies
22,041 DKK/month maximum unemployment benefits in 2026
What is income protection?
Income protection pays a monthly amount on top of your unemployment benefits if you become involuntarily unemployed. Unemployment benefits are capped at 22,041 DKK/month in 2026. If your salary is higher, income protection covers part of the difference – typically up to 80–90% of salary for a limited period.
How large is your income gap?
EstimateDKK
20,000100,000
Estimated unemployment benefits
22,041 DKK
Your income gap per month
15,759 DKK
Income gap over 6 months
94,554 DKK
Income gap over 12 months
189,108 DKK
Estimate. Unemployment benefits are calculated from the 12 best months of income in your last 24 months. Some insurers (e.g. Alka) calculate a percentage of salary after the labour market contribution (AM-bidrag). Sources: Ase: Unemployment benefit rates 2026, 3F: Rates 2026
Find relevant income protection plans
Compare two income protection schemes
Choose two policies for a quick overview of price, coverage and minimum salary.
- Price
- Calculated at Alka (70 30 05 07)
- 150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund
- Coverage
- 90 % of salary
- 90 % of salary
Individual income protection insurance
Sorted by max. amount in addition to unemployment benefits. Click for all terms and sources.
- A&TIL Income Protection Flex
- Maximum supplementary payment
- 60,000 DKK/month
- Waiting period
- 30 days
- Qualifying period
- 9 months
- Payment period
- Maximum 12 months per period of unemployment, maximum 36 months in total
- Lederne Income Protection
- Maximum supplementary payment
- 60,000 DKK/month
- Waiting period
- 30, 60 or 90 days (you choose)
- Qualifying period
- 6 months (30 days for incapacity)
- Payment period
- 6 or 12 months
- IDA Income Protection
- Maximum supplementary payment
- 60,000 DKK/month
- Waiting period
- 1 month (first payment about 2 months after unemployment)
- Qualifying period
- 9 months (no job loss coverage within 9 months after purchase)
- Payment period
- Maximum 36 months in total
- CA Income Protection
- Maximum supplementary payment
- 45,000 DKK/month
- Waiting period
- 30 days from the date of unemployment
- Qualifying period
- 6 months
- Payment period
- 3, 6, 9 or 12 months
- Det Faglige Hus Income Protection
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- 0 or 15 calendar days (you choose)
- Qualifying period
- 6 months
- Payment period
- 6 or 12 months (12 months requires Værdiplus) - max. 36 months in total
- Frie Income Protection Boost
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- 30 days after cessation of work
- Qualifying period
- 5 months
- Payment period
- Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods
- Djøf Income Protection
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- 45 days
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months per unemployment - max. 36 months in total; no payment after 64 years
- AKA Income Protection
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- Not disclosed – see terms
- Payment period
- Up to 12 months
- Topdanmark Income Protection
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 9 months
- Payment period
- Maximum 12 months in a row - max. 36 months in total
- Ase Income Protection
- Maximum supplementary payment
- 30,000 DKK/month
- Waiting period
- 28 days (may be reduced by 7 days if you notify Ase within 14 days of becoming aware of the job loss)
- Qualifying period
- 6 months (9 months by increase)
- Payment period
- 3, 6 or 9 months per period of unemployment - maximum 3 payment periods in total
- MA Income Protection
- Maximum supplementary payment
- 30,000 DKK/month
- Waiting period
- First payment after 60 days of unemployment (covers one month), then daily basis
- Qualifying period
- 9 months (24 months in the case of fixed-term work)
- Payment period
- Maximum 12 months (3 months at the end of the contract)
- Krifa Income Protection
- Maximum supplementary payment
- 21,000 DKK/month
- Waiting period
- 30 days
- Qualifying period
- 6 months
- Payment period
- 6 or 12 months (from 60 years only 6 months)
- Income Protection for Lærernes a-kasse
- Maximum supplementary payment
- 20,000 DKK/month
- Waiting period
- 1 month after job loss
- Qualifying period
- 180 days' waiting time after purchase; 12 months of continuous employment (at least 16 h / week) - 6 months for graduates
- Payment period
- 6 or 12 months - max. 36 months total
- DSA Income Protection
- Maximum supplementary payment
- 20,000 DKK/month
- Waiting period
- Payment from the first day of involuntary unemployment (according to DSA)
- Qualifying period
- 180 days with insurance + 6 months' prior appointment
- Payment period
- 6 or 12 months - max. 36 months total
- LB Income Protection EKSTRA (BUPL)
- Maximum supplementary payment
- 20,000 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 6 months of insurance + 6 months of membership of BUPL and BUPL-A; 12 months of continuous work before unemployment
- Payment period
- Up to 6 months per benefit period
- A&TIL Income Protection Basis
- Maximum supplementary payment
- 7,500 DKK/month
- Waiting period
- 30 days
- Qualifying period
- 9 months
- Payment period
- Maximum 6 months per period of unemployment, maximum 18 months in total (according to the Financial Association)
- 3F Income Protection
- Maximum supplementary payment
- No DKK limit disclosed
- Waiting period
- 0 or 1 month (General conditions of Alka)
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months - max. 36 payments in total (Alka's general terms)
- Alka Income Protection for other unions
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 0 or 1 month
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months - max. 36 payments total
- Business Danmark Income Protection
- Maximum supplementary payment
- No DKK limit disclosed
- Waiting period
- Chosen when taking out the policy – stated in the policy
- Qualifying period
- 6 or 9 months (depending on policy)
- Payment period
- Up to 360 days per injury - up to 3 periods of injury (270 days from 55 years, 180 days from 60 years)
- DM Income Protection
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- The waiting period becomes more favourable the longer you have been a DM member
- Qualifying period
- Not disclosed – see terms
- Payment period
- 12 months at a time
- FOA Income Protection
- Maximum supplementary payment
- No DKK limit disclosed
- Waiting period
- 0 or 1 month (General conditions of Alka)
- Qualifying period
- 9 months (General conditions of Alka)
- Payment period
- 6 or 12 months (General conditions of Alka)
- GF Income Protection
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 0 or 30 days (you choose)
- Qualifying period
- 6 months
- Payment period
- 6 or 12 months
- Købstædernes Forsikring Income Protection
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 30 days
- Qualifying period
- 9 months
- Payment period
- 6 or 12 months - max. 3 periods of unemployment
- Metal Income Protection (voluntary)
- Maximum supplementary payment
- No DKK limit disclosed
- Waiting period
- 0 or 1 month (General conditions of Alka)
- Qualifying period
- 9 months (General conditions of Alka)
- Payment period
- 6 or 12 months
- Min A-kasse Income Protection
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- 0 days (covered from the first day of unemployment) or 1 month
- Qualifying period
- 9 months
- Payment period
- Up to 12 months
- PS Income Protection
- Maximum supplementary payment
- Not disclosed – see terms
- Waiting period
- Not disclosed – see terms
- Qualifying period
- Not disclosed – see terms
- Payment period
- Up to 12 months
Are you in a trade union? You may already have income protection
These arrangements are automatically included in membership:
BUPL Collective Income Protection
Member of both BUPL and BUPL-A – automatically included
- Price
- 27 DKK/month including fees and charges
- On top of unemployment benefits
- max. 3,500 DKK/month
Socialpædagogernes Income Protection
Paying member of Socialpædagogerne and Socialpædagogernes a-kasse – automatically included
- Price
- 50 DKK/month (approx. 34 DKK after deduction)
- On top of unemployment benefits
- Not disclosed – see terms
TL Income Protection
Member of TL and Teknikernes A-kasse – included in membership
- Price
- 105 DKK/month (2026) - approx. 72 DKK after deduction
- On top of unemployment benefits
- max. 38,292 DKK/month
Frie Income Protection Gratis
Member of Frie’s unemployment insurance fund + trade union (704 kr./md. in total)
- Price
- DKK 0 extra - included in unemployment insurance fund + union
- On top of unemployment benefits
- max. 7,500 DKK/month
Dansk Metal free income protection (new from 2027)
Fully paying member of Dansk Metal and Metal A-kasse – automatically included
- Price
- Free – membership fees are also reduced by 100 kr./md. from December 2026.
- On top of unemployment benefits
- max. 4,000 DKK/month
Insurance company not disclosed. Time limits: report in by 30.11.2026 for lower quota from December and by 31.12.2026 for income protection without waiting from 1.1.2027.
Frequently asked questions
What is income protection?
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Income protection insurance is an insurance that pays a monthly amount on top of your unemployment benefits if you become involuntarily unemployed. The aim is to close the gap between the unemployment benefits (max. DKK 22,041/month before tax in 2026) and your normal salary, typically up to 80-90% of the wage for 3-12 months. Income protection insurance is also called income protection insurance or private supplementary insurance.
Read the guide: How to choose your income protection →Sources: Ase: Unemployment benefit rates 2026
See FAQ →How much does income protection cost?
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Income protection insurance costs from approx. DKK 24 to several hundred a month. The price depends on how much you insure, your salary, age, job type, residence, waiting period and payout period. Examples from the providers: MA 232.40 DKK/month for maximum coverage of DKK 8,359, Lærernes a-kasse 24-776 DKK/month depending on salary, Det Faglige Hus 49-338 DKK/month and LB Income Protection Insurance EXTRA 27- 546 DKK/month in their examples.
See verified price examples →See FAQ →Can you get income protection without an a-kasse?
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Almost not. All of the income protection insurance that we have verified require membership of an A-kasse because the payout requires entitlement to unemployment benefits. Also, the insurance companies' own products (Topdanmark, GF and Købstædernes Forsikring) require a Danish A-kasse. CA states that individual companies offer income protection insurance without an A-kasse, and Alm. Brand's conditions from 2018 describe such a product - but we have not been able to confirm that it is sold today (checked 01.10.2026).
Sources: CA: Income protection with or without an unemployment insurance fund
See FAQ →Is income protection tax-deductible?
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Yes. Income protection premiums qualify for a general tax deduction, and most providers automatically report them to the Danish Tax Agency. The tax deduction value is approximately 26% (GF Forsikring states 25.6%). Products that also cover incapacity for work, such as Lederne and Business Danmark, allow 95% of the premium to be deducted.
Sources: A&TIL: Tax rules on income protection · GF Insurance: Income protection insurance
See FAQ →Can you receive income protection if you resign?
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No. None of the income protection insurance we've been through covers if you quit. Income protection insurance only covers involuntary unemployment, typically dismissal.
See FAQ →Does income protection cover illness?
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Generally, no: income protection covers unemployment, not illness while employed. Some products also cover incapacity for work: CA (50% of the benefit, tax-free), Lederne (after 30+ sick days), Business Danmark, Det Faglige Hus (certain illnesses), Lærernes a-kasse and DSA (temporary incapacity). Købstædernes Forsikring covers unemployment caused by illness. MA continues paying if you become ill while unemployed, while Krifa, Frie, BUPL and TL do not pay during illness. Illness known at purchase is usually excluded.
See FAQ →