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 Ase Income Protection and 3F Income Protection
Terms	Ase Income Protection	3F Income Protection
Requires	Membership of Ase’s unemployment insurance fund	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	AmTrust International Underwriters DAC	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	30,000 DKK/month	No DKK limit disclosed
Waiting period	28 days (may be reduced by 7 days if you notify Ase within 14 days of becoming aware of the job loss)	0 or 1 month (General conditions of Alka)
Qualifying period	6 months (9 months by increase)	9 months
Payment period	3, 6 or 9 months per period of unemployment - maximum 3 payment periods in total	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	18 to 60 years when the income protection insurance comes into force	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	29,035 DKK/month	27,830 DKK/month
Price	Package with unemployment insurance fund + trade union + income protection: 699 kr./md. (approximately 6,000 kr. on top of unemployment benefits). Higher salaries: individual calculation.	Calculated at Alka (70 30 05 07)
Sickness coverage	Covers unemployment where disease is medically documented if you have not been to a doctor for the same disorder during the 12 months before purchase	Not disclosed – see terms
Tax deduction	Tax-deductible	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.

Ase Income Protection

Requires: Membership of Ase’s unemployment insurance fund
Type: Unemployment insurance fund – individual scheme
Insurance company: AmTrust International Underwriters DAC
Maximum overall coverage: 90 % of salary
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
Age: 18 to 60 years when the income protection insurance comes into force
Minimum salary: 29,035 DKK/month
Price: Package with unemployment insurance fund + trade union + income protection: 699 kr./md. (approximately 6,000 kr. on top of unemployment benefits). Higher salaries: individual calculation.
Sickness coverage: Covers unemployment where disease is medically documented if you have not been to a doctor for the same disorder during the 12 months before purchase
Tax deduction: Tax-deductible
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