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 AKA Income Protection and 3F Income Protection
Terms	AKA Income Protection	3F Income Protection
Requires	Membership of Akademikernes A-kasse	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	Topdanmark (part of If Skadeforsikring)	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	40,000 DKK/month	No DKK limit disclosed
Waiting period	Not disclosed – see terms	0 or 1 month (General conditions of Alka)
Qualifying period	Not disclosed – see terms	9 months
Payment period	Up to 12 months	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Not disclosed – see terms	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	Not disclosed – see terms	27,830 DKK/month
Price	Members of the Djøf, IDA and Maskinmestrenes Forening get better prices through their own agreements	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers unemployment due to illness or accident (according to AKA)	Not disclosed – see terms
Tax deduction	Not disclosed – see terms	Tax-deductible
Caveats	The AKA page does not indicate any waiting period, qualifying period or age - see Topdanmark conditions.	Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

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

AKA Income Protection

Requires: Membership of Akademikernes A-kasse
Type: Unemployment insurance fund – individual scheme
Insurance company: Topdanmark (part of If Skadeforsikring)
Maximum overall coverage: 90 % of salary
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
Age: Not disclosed – see terms
Minimum salary: Not disclosed – see terms
Price: Members of the Djøf, IDA and Maskinmestrenes Forening get better prices through their own agreements
Sickness coverage: Also covers unemployment due to illness or accident (according to AKA)
Tax deduction: Not disclosed – see terms
Caveats: The AKA page does not indicate any waiting period, qualifying period or age - see Topdanmark conditions.

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.

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