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 Frie Income Protection Boost and 3F Income Protection
Terms	Frie Income Protection Boost	3F Income Protection
Requires	Membership of Frie’s unemployment insurance fund	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	FF Forsikring A/S	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	40,000 DKK/month	No DKK limit disclosed
Waiting period	30 days after cessation of work	0 or 1 month (General conditions of Alka)
Qualifying period	5 months	9 months
Payment period	Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	18-57 years when taking out the policy according to the Fries page (conditions say 58 years) - ends at 65 years	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	27,827 DKK/month	27,830 DKK/month
Price	From 34 DKK/month (+ unemployment insurance fund 555 DKK/month)	Calculated at Alka (70 30 05 07)
Sickness coverage	Payments stop while you are fully or partly on sick leave. Illness known or medically treated during the 12 months before taking out the policy is excluded (except pregnancy).	Not disclosed – see terms
Tax deduction	Tax-deductible as a general tax deduction with no cap (Frie)	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.

Frie Income Protection Boost

Requires: Membership of Frie’s unemployment insurance fund
Type: Unemployment insurance fund – individual scheme
Insurance company: FF Forsikring A/S
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: 40,000 DKK/month
Waiting period: 30 days after cessation of work
Qualifying period: 5 months
Payment period: Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods
Age: 18-57 years when taking out the policy according to the Fries page (conditions say 58 years) - ends at 65 years
Minimum salary: 27,827 DKK/month
Price: From 34 DKK/month (+ unemployment insurance fund 555 DKK/month)
Sickness coverage: Payments stop while you are fully or partly on sick leave. Illness known or medically treated during the 12 months before taking out the policy is excluded (except pregnancy).
Tax deduction: Tax-deductible as a general tax deduction with no cap (Frie)
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.

► See all individual income protection insurance in the full comparison