Compare two income protection policies side by side

Choose two policies and compare their terms side by side. All figures are verified against providers’ own websites; missing information is marked with a source link.

Last verified 1 October 2026.

Policy 1Policy 2

Side-by-side comparison of 3F Income Protection and A&TIL Income Protection Basis
Terms	3F Income Protection	A&TIL Income Protection Basis
Requires	Member of 3F and 3F A-kasse	Membership of A&TIL
Type	Trade union – individual scheme	Unemployment insurance fund – individual scheme
Insurance company	Alka	Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	No DKK limit disclosed	7,500 DKK/month
Waiting period	0 or 1 month (General conditions of Alka)	30 days
Qualifying period	9 months	9 months
Payment period	6 or 12 months - max. 36 payments in total (Alka's general terms)	Maximum 6 months per period of unemployment, maximum 18 months in total (according to the Financial Association)
Age	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age	18-59 years when taking out the policy - ends in the month of your 65 years of age
Minimum salary	27,830 DKK/month	Not disclosed – see terms
Price	Calculated at Alka (70 30 05 07)	150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund
Sickness coverage	Not disclosed – see terms	Does not cover illness. If you are dismissed after illness or stress and declared fit for work while unemployed, you may be covered – not if the illness was known when taking out the policy
Tax deduction	Tax-deductible	Tax-deductible – automatically reported
Caveats	Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.	Not disclosed – see terms

Bold writing = maximum amount added to unemployment benefits. Rows with coloured background distinguish the two schemes.

3F Income Protection

Requires: Member of 3F and 3F A-kasse
Type: Trade union – individual scheme
Insurance company: Alka
Maximum overall coverage: 90 % of salary
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)
Age: To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary: 27,830 DKK/month
Price: Calculated at Alka (70 30 05 07)
Sickness coverage: Not disclosed – see terms
Tax deduction: Tax-deductible
Caveats: Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

A&TIL Income Protection Basis

Requires: Membership of A&TIL
Type: Unemployment insurance fund – individual scheme
Insurance company: Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First
Maximum overall coverage: 90 % of salary
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)
Age: 18-59 years when taking out the policy - ends in the month of your 65 years of age
Minimum salary: Not disclosed – see terms
Price: 150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund
Sickness coverage: Does not cover illness. If you are dismissed after illness or stress and declared fit for work while unemployed, you may be covered – not if the illness was known when taking out the policy
Tax deduction: Tax-deductible – automatically reported
Caveats: Not disclosed – see terms

► See all individual income protection insurance in the full comparison