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 Dansk Metal free income protection (new from 2027) and 3F Income Protection
Terms	Dansk Metal free income protection (new from 2027)	3F Income Protection
Requires	Fully paying member of Dansk Metal and Metal A-kasse – automatically included	Member of 3F and 3F A-kasse
Type	Trade union – collective scheme	Trade union – individual scheme
Insurance company	Not disclosed – see terms	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	4,000 DKK/month	No DKK limit disclosed
Waiting period	1 month (no payment in the first month of unemployment)	0 or 1 month (General conditions of Alka)
Qualifying period	Member of the Dansk Metal and Metal Unemployment insurance fund by 31.12.2026: none. Submitted from 1.1.2027: 9 months membership	9 months
Payment period	Up to 6 months	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	Free – membership fees are also reduced by 100 kr./md. from December 2026.	Calculated at Alka (70 30 05 07)
Sickness coverage	Not disclosed – see terms	Not disclosed – see terms
Tax deduction	Not applicable - the scheme is free	Tax-deductible
Caveats	Insurance company not disclosed. Time limits: report in by 30.11.2026 for lower quota from December and by 31.12.2026 for income protection without waiting from 1.1.2027.	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.

Dansk Metal free income protection (new from 2027)

Requires: Fully paying member of Dansk Metal and Metal A-kasse – automatically included
Type: Trade union – collective scheme
Insurance company: Not disclosed – see terms
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: 4,000 DKK/month
Waiting period: 1 month (no payment in the first month of unemployment)
Qualifying period: Member of the Dansk Metal and Metal Unemployment insurance fund by 31.12.2026: none. Submitted from 1.1.2027: 9 months membership
Payment period: Up to 6 months
Age: Not disclosed – see terms
Minimum salary: Not disclosed – see terms
Price: Free – membership fees are also reduced by 100 kr./md. from December 2026.
Sickness coverage: Not disclosed – see terms
Tax deduction: Not applicable - the scheme is free
Caveats: Insurance company not disclosed. Time limits: report in by 30.11.2026 for lower quota from December and by 31.12.2026 for income protection without waiting from 1.1.2027.

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