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 HK Collective Income Protection and 3F Income Protection
Terms	HK Collective Income Protection	3F Income Protection
Requires	Fully paying HK member – automatically included	Member of 3F and 3F A-kasse
Type	Trade union – collective scheme	Trade union – individual scheme
Insurance company	Owned by HK, administered by Alka	Alka
Maximum overall coverage	80 % of salary	90 % of salary
Maximum supplementary payment	38,292 DKK/month	No DKK limit disclosed
Waiting period	Coverage from day one unemployment	0 or 1 month (General conditions of Alka)
Qualifying period	9 months of continuous employment within HK's territory + 9 months of payment	9 months
Payment period	Maximum 6 months (962 hours full-time / 780 hours part-time)	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Until state pension age	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	27,461 DKK/month	27,830 DKK/month
Price	55 DKK/month - charged with membership fees	Calculated at Alka (70 30 05 07)
Sickness coverage	Not disclosed – see terms	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.

HK Collective Income Protection

Requires: Fully paying HK member – automatically included
Type: Trade union – collective scheme
Insurance company: Owned by HK, administered by Alka
Maximum overall coverage: 80 % of salary
Maximum supplementary payment: 38,292 DKK/month
Waiting period: Coverage from day one unemployment
Qualifying period: 9 months of continuous employment within HK's territory + 9 months of payment
Payment period: Maximum 6 months (962 hours full-time / 780 hours part-time)
Age: Until state pension age
Minimum salary: 27,461 DKK/month
Price: 55 DKK/month - charged with membership fees
Sickness coverage: Not disclosed – see terms
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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