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 DSA Income Protection and 3F Income Protection
Terms	DSA Income Protection	3F Income Protection
Requires	Membership of the DSA	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	Bauta Forsikring	Alka
Maximum overall coverage	80 % of salary	90 % of salary
Maximum supplementary payment	20,000 DKK/month	No DKK limit disclosed
Waiting period	Payment from the first day of involuntary unemployment (according to DSA)	0 or 1 month (General conditions of Alka)
Qualifying period	180 days with insurance + 6 months' prior appointment	9 months
Payment period	6 or 12 months - max. 36 months total	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Discontinued on the date on which you will be entitled to a public pension	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	Depends on salary and coverage – calculated by Bauta	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers temporary incapacity for work if you are completely unable to work because of illness or injury; DSA provides cover throughout the period of illness	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.

DSA Income Protection

Requires: Membership of the DSA
Type: Unemployment insurance fund – individual scheme
Insurance company: Bauta Forsikring
Maximum overall coverage: 80 % of salary
Maximum supplementary payment: 20,000 DKK/month
Waiting period: Payment from the first day of involuntary unemployment (according to DSA)
Qualifying period: 180 days with insurance + 6 months' prior appointment
Payment period: 6 or 12 months - max. 36 months total
Age: Discontinued on the date on which you will be entitled to a public pension
Minimum salary: Not disclosed – see terms
Price: Depends on salary and coverage – calculated by Bauta
Sickness coverage: Also covers temporary incapacity for work if you are completely unable to work because of illness or injury; DSA provides cover throughout the period of illness
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.

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