- Requires
- Member of IDA or Akademikernes A-kasse + member of a Danish unemployment insurance fund
- Type
- Trade union – individual scheme
- Insurance company
- Topdanmark (via IDA Forsikring)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 60,000 DKK/month
- Waiting period
- 1 month (first payment about 2 months after unemployment)
- Qualifying period
- 9 months (no job loss coverage within 9 months after purchase)
- Payment period
- Maximum 36 months in total
- Age
- 18-60 years for purchases - covers 65 years
- Minimum salary
- Not disclosed – see terms
- Price
- See IDA Insurance Price List
- Sickness coverage
- Not covered if the termination is due to known illness / accident
- Tax deduction
- Part of the price is deductible - Topdanmark reports automatically
- Caveats
- Not disclosed – see terms
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 .
- 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