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 .

GF Income Protection
Requires
GF member with one or more personal insurance policies + member of a Danish unemployment insurance fund
Type
Insurance company – individual scheme
Insurance company
GF Forsikring
Maximum overall coverage
90 % of salary
Maximum supplementary payment
Not disclosed – see terms
Waiting period
0 or 30 days (you choose)
Qualifying period
6 months
Payment period
6 or 12 months
Age
18-63 years
Price
Dependent on age, residence, type of job, salary and period
Tax deduction
Tax-deductible (GF states a tax deduction value of 25.6%)
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)
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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