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 Business Danmark Income Protection and 3F Income Protection
Terms	Business Danmark Income Protection	3F Income Protection
Requires	Membership of Business Danmark	Member of 3F and 3F A-kasse
Type	Trade union – individual scheme	Trade union – individual scheme
Insurance company	AmTrust International Underwriters DAC (administered by Marsh)	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	No DKK limit disclosed	No DKK limit disclosed
Waiting period	Chosen when taking out the policy – stated in the policy	0 or 1 month (General conditions of Alka)
Qualifying period	6 or 9 months (depending on policy)	9 months
Payment period	Up to 360 days per injury - up to 3 periods of injury (270 days from 55 years, 180 days from 60 years)	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Min. 18 years old, new drawing for 60 years - covers the month you reach 65	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	The premium increases 10% at 55 years and 25% at 60 years	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers incapacity for work (50% of payment free of tax in case of incapacity for work)	Not disclosed – see terms
Tax deduction	95% of the premium is 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.

Business Danmark Income Protection

Requires: Membership of Business Danmark
Type: Trade union – individual scheme
Insurance company: AmTrust International Underwriters DAC (administered by Marsh)
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: No DKK limit disclosed
Waiting period: Chosen when taking out the policy – stated in the policy
Qualifying period: 6 or 9 months (depending on policy)
Payment period: Up to 360 days per injury - up to 3 periods of injury (270 days from 55 years, 180 days from 60 years)
Age: Min. 18 years old, new drawing for 60 years - covers the month you reach 65
Minimum salary: Not disclosed – see terms
Price: The premium increases 10% at 55 years and 25% at 60 years
Sickness coverage: Also covers incapacity for work (50% of payment free of tax in case of incapacity for work)
Tax deduction: 95% of the premium is 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.

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