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 A&TIL Income Protection Flex and 3F Income Protection
Terms	A&TIL Income Protection Flex	3F Income Protection
Requires	Membership of A&TIL	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	60,000 DKK/month	No DKK limit disclosed
Waiting period	30 days	0 or 1 month (General conditions of Alka)
Qualifying period	9 months	9 months
Payment period	Maximum 12 months per period of unemployment, maximum 36 months in total	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	18-59 years when taking out the policy - ends in the month of your 65 years of age	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	29,036 DKK/month	27,830 DKK/month
Price	From 89 DKK/month for low coverage	Calculated at Alka (70 30 05 07)
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, showed symptoms or was medically treated before taking out the policy	Not disclosed – see terms
Tax deduction	Tax-deductible – automatically reported	Tax-deductible
Caveats	Not disclosed – see terms	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.

A&TIL Income Protection Flex

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: 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
Age: 18-59 years when taking out the policy - ends in the month of your 65 years of age
Minimum salary: 29,036 DKK/month
Price: From 89 DKK/month for low coverage
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, showed symptoms or was medically treated before taking out the policy
Tax deduction: Tax-deductible – automatically reported
Caveats: Not disclosed – see terms

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.

► See all individual income protection insurance in the full comparison