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 DM Income Protection and 3F Income Protection
Terms	DM Income Protection	3F Income Protection
Requires	DM member and Plus customer of Alm. Brand	Member of 3F and 3F A-kasse
Type	Trade union – individual scheme	Trade union – individual scheme
Insurance company	Alm. Brand	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	Not disclosed – see terms	No DKK limit disclosed
Waiting period	The waiting period becomes more favourable the longer you have been a DM member	0 or 1 month (General conditions of Alka)
Qualifying period	Not disclosed – see terms	9 months
Payment period	12 months at a time	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	Individual - calculated at Alm. Brand	Calculated at Alka (70 30 05 07)
Sickness coverage	Not disclosed – see terms	Not disclosed – see terms
Tax deduction	Tax-deductible	Tax-deductible
Caveats	Alm. Brand’s product page requires JavaScript. The publicly available Alm. Brand income protection terms are from 2018 and are therefore not used.	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.

DM Income Protection

Requires: DM member and Plus customer of Alm. Brand
Type: Trade union – individual scheme
Insurance company: Alm. Brand
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: Not disclosed – see terms
Waiting period: The waiting period becomes more favourable the longer you have been a DM member
Qualifying period: Not disclosed – see terms
Payment period: 12 months at a time
Age: Not disclosed – see terms
Minimum salary: Not disclosed – see terms
Price: Individual - calculated at Alm. Brand
Sickness coverage: Not disclosed – see terms
Tax deduction: Tax-deductible
Caveats: Alm. Brand’s product page requires JavaScript. The publicly available Alm. Brand income protection terms are from 2018 and are therefore not used.

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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