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 MA Income Protection and 3F Income Protection
Terms	MA Income Protection	3F Income Protection
Requires	Membership of MA	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	AmTrust (administered by Marsh)	Alka
Maximum overall coverage	80 % of salary	90 % of salary
Maximum supplementary payment	30,000 DKK/month	No DKK limit disclosed
Waiting period	First payment after 60 days of unemployment (covers one month), then daily basis	0 or 1 month (General conditions of Alka)
Qualifying period	9 months (24 months in the case of fixed-term work)	9 months
Payment period	Maximum 12 months (3 months at the end of the contract)	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	Can be drawn to 60 years - covers until the end of the month you turn 67	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	30,100 DKK/month	27,830 DKK/month
Price	The premium is 3.06% of the chosen monthly allowance	Calculated at Alka (70 30 05 07)
Sickness coverage	Payment will continue unchanged if you become ill during unemployment	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.

MA Income Protection

Requires: Membership of MA
Type: Unemployment insurance fund – individual scheme
Insurance company: AmTrust (administered by Marsh)
Maximum overall coverage: 80 % of salary
Maximum supplementary payment: 30,000 DKK/month
Waiting period: First payment after 60 days of unemployment (covers one month), then daily basis
Qualifying period: 9 months (24 months in the case of fixed-term work)
Payment period: Maximum 12 months (3 months at the end of the contract)
Age: Can be drawn to 60 years - covers until the end of the month you turn 67
Minimum salary: 30,100 DKK/month
Price: The premium is 3.06% of the chosen monthly allowance
Sickness coverage: Payment will continue unchanged if you become ill during unemployment
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.

► See all individual income protection insurance in the full comparison