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 Købstædernes Forsikring Income Protection and 3F Income Protection
Terms	Købstædernes Forsikring Income Protection	3F Income Protection
Requires	Member of any Danish unemployment insurance fund	Member of 3F and 3F A-kasse
Type	Insurance company – individual scheme	Trade union – individual scheme
Insurance company	Købstædernes Forsikring	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	Not disclosed – see terms	No DKK limit disclosed
Waiting period	30 days	0 or 1 month (General conditions of Alka)
Qualifying period	9 months	9 months
Payment period	6 or 12 months - max. 3 periods of unemployment	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	18 to less than 60 years of age when purchasing - ends at the end of the month when you reach 65	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	Calculated online	Calculated at Alka (70 30 05 07)
Sickness coverage	Also covers unemployment caused by illness, or illness during the payment period. Excludes illness or symptoms from before taking out the policy. Includes health insurance.	Not disclosed – see terms
Tax deduction	Tax-deductible (KF states a tax deduction value of 27–30%)	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.

Købstædernes Forsikring Income Protection

Requires: Member of any Danish unemployment insurance fund
Type: Insurance company – individual scheme
Insurance company: Købstædernes Forsikring
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: Not disclosed – see terms
Waiting period: 30 days
Qualifying period: 9 months
Payment period: 6 or 12 months - max. 3 periods of unemployment
Age: 18 to less than 60 years of age when purchasing - ends at the end of the month when you reach 65
Minimum salary: Not disclosed – see terms
Price: Calculated online
Sickness coverage: Also covers unemployment caused by illness, or illness during the payment period. Excludes illness or symptoms from before taking out the policy. Includes health insurance.
Tax deduction: Tax-deductible (KF states a tax deduction value of 27–30%)
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