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 CA Income Protection and 3F Income Protection
Terms	CA Income Protection	3F Income Protection
Requires	Membership of CA’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	45,000 DKK/month	No DKK limit disclosed
Waiting period	30 days from the date of unemployment	0 or 1 month (General conditions of Alka)
Qualifying period	6 months	9 months
Payment period	3, 6, 9 or 12 months	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	18-59 years at start - ends in the month you reach 65 ½ years	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	From 56 DKK/month	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers incapacity for work: 50% of the chosen benefit, tax-free, after a 30-day waiting period (1-month qualifying period). Excludes illness you knew or should have known about at purchase.	Not disclosed – see terms
Tax deduction	Tax-deductible – CA reports to the Danish Tax Agency	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.

CA Income Protection

Requires: Membership of CA’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: 45,000 DKK/month
Waiting period: 30 days from the date of unemployment
Qualifying period: 6 months
Payment period: 3, 6, 9 or 12 months
Age: 18-59 years at start - ends in the month you reach 65 ½ years
Minimum salary: Not disclosed – see terms
Price: From 56 DKK/month
Sickness coverage: Also covers incapacity for work: 50% of the chosen benefit, tax-free, after a 30-day waiting period (1-month qualifying period). Excludes illness you knew or should have known about at purchase.
Tax deduction: Tax-deductible – CA reports to the Danish Tax Agency
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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