- Requires
- Member of any Danish unemployment insurance fund
- Type
- Insurance company – individual scheme
- Insurance company
- Topdanmark (part of If Skadeforsikring)
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 40,000 DKK/month
- Waiting period
- Not disclosed – see terms
- Qualifying period
- 9 months
- Payment period
- Maximum 12 months in a row - max. 36 months in total
- Age
- 18-55 years for purchases - ends at 63 years
- Minimum salary
- 29,036 DKK/month
- Price
- Calculated online
- Sickness coverage
- Not disclosed – see terms
- Tax deduction
- Tax-deductible – Topdanmark reports automatically
- Caveats
- Topdanmark's terms (7876-3) cannot be read automatically, and the waiting period is not on the product side. In Topdanmark-based group agreements it is 45 days (Djøf) and 1 month (IDA).
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