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 BUPL Collective Income Protection and 3F Income Protection
Terms	BUPL Collective Income Protection	3F Income Protection
Requires	Member of both BUPL and BUPL-A – automatically included	Member of 3F and 3F A-kasse
Type	Trade union – collective scheme	Trade union – individual scheme
Insurance company	LB Forsikring (Lærerstandens Brandforsikring)	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	3,500 DKK/month	No DKK limit disclosed
Waiting period	Coverage from the first day of unemployment with benefit	0 or 1 month (General conditions of Alka)
Qualifying period	6 months' membership / deposit + 6 months in a BUPL contractual post	9 months
Payment period	Up to 12 months - max. DKK 24,000 per payment period	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	27 DKK/month including fees and charges	Calculated at Alka (70 30 05 07)
Sickness coverage	No payment during sickness and holiday where you do not receive unemployment benefit	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.

BUPL Collective Income Protection

Requires: Member of both BUPL and BUPL-A – automatically included
Type: Trade union – collective scheme
Insurance company: LB Forsikring (Lærerstandens Brandforsikring)
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: 3,500 DKK/month
Waiting period: Coverage from the first day of unemployment with benefit
Qualifying period: 6 months' membership / deposit + 6 months in a BUPL contractual post
Payment period: Up to 12 months - max. DKK 24,000 per payment period
Age: Not disclosed – see terms
Minimum salary: Not disclosed – see terms
Price: 27 DKK/month including fees and charges
Sickness coverage: No payment during sickness and holiday where you do not receive unemployment benefit
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