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 Min A-kasse Income Protection and 3F Income Protection
Terms	Min A-kasse Income Protection	3F Income Protection
Requires	Membership of Min A-kasse	Member of 3F and 3F A-kasse
Type	Unemployment insurance fund – individual scheme	Trade union – individual scheme
Insurance company	Alka	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	Not disclosed – see terms	No DKK limit disclosed
Waiting period	0 days (covered from the first day of unemployment) or 1 month	0 or 1 month (General conditions of Alka)
Qualifying period	9 months	9 months
Payment period	Up to 12 months	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	May run until retirement age	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	Individual - calculated in Alkas calculator	Calculated at Alka (70 30 05 07)
Sickness coverage	No payment during illness and leave (Alka's fact sheet from 2019)	Not disclosed – see terms
Tax deduction	Tax-deductible – automatically reported	Tax-deductible
Caveats	Min A-kasse's current page says up to 90% and payout after 9 months, but the leaflet and Alka's fact sheets (2019) mention 80%, 30 days of waiting period and 12 months of qualification. We show the current page - check the conditions before purchase.	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.

Min A-kasse Income Protection

Requires: Membership of Min A-kasse
Type: Unemployment insurance fund – individual scheme
Insurance company: Alka
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: Not disclosed – see terms
Waiting period: 0 days (covered from the first day of unemployment) or 1 month
Qualifying period: 9 months
Payment period: Up to 12 months
Age: May run until retirement age
Minimum salary: Not disclosed – see terms
Price: Individual - calculated in Alkas calculator
Sickness coverage: No payment during illness and leave (Alka's fact sheet from 2019)
Tax deduction: Tax-deductible – automatically reported
Caveats: Min A-kasse's current page says up to 90% and payout after 9 months, but the leaflet and Alka's fact sheets (2019) mention 80%, 30 days of waiting period and 12 months of qualification. We show the current page - check the conditions before purchase.

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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