Compare 26 individual income protection insurance

Prices on income protection are individual (salary, age, job, residence, cover). We only show prices that the provider itself has published - we do not estimate.

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  • A&TIL Income Protection Flex
    Requires
    Membership of A&TIL
    Insurance company
    Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First
    Maximum coverage
    90 %
    Maximum supplementary payment
    60,000 DKK/month
    Waiting period
    30 days
    Qualifying period
    9 months
    Payment period
    Maximum 12 months per period of unemployment, maximum 36 months in total
    Price
    From 89 DKK/month for low coverage

    Source: A&TIL: Cheap Income Protection Insurance

  • Lederne Income Protection
    Requires
    Member of Lederne, Lederne Spring or Lederne Virksom + Ledernes A-kasse
    Insurance company
    AmTrust International Underwriters DAC
    Maximum coverage
    90 %
    Maximum supplementary payment
    60,000 DKK/month
    Waiting period
    30, 60 or 90 days (you choose)
    Qualifying period
    6 months (30 days for incapacity)
    Payment period
    6 or 12 months
    Price
    From 40 DKK/month

    Source: Lederne: What is Income Protection Insurance

  • IDA Income Protection
    Requires
    Member of IDA or Akademikernes A-kasse + member of a Danish unemployment insurance fund
    Insurance company
    Topdanmark (via IDA Forsikring)
    Maximum coverage
    90 %
    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
    Price
    See IDA Insurance Price List

    Source: IDA Insurance: Income protection insurance

  • CA Income Protection
    Requires
    Membership of CA’s unemployment insurance fund
    Insurance company
    AmTrust International Underwriters DAC
    Maximum coverage
    90 %
    Maximum supplementary payment
    45,000 DKK/month
    Waiting period
    30 days from the date of unemployment
    Qualifying period
    6 months
    Payment period
    3, 6, 9 or 12 months
    Price
    From 56 DKK/month

    Source: CA: Income protection

  • Det Faglige Hus Income Protection
    Requires
    Full-time member of Det Faglige Hus’s unemployment insurance fund
    Insurance company
    Det Faglige Hus Forsikring (CVR 34723001)
    Maximum coverage
    90 %
    Maximum supplementary payment
    40,000 DKK/month
    Waiting period
    0 or 15 calendar days (you choose)
    Qualifying period
    6 months
    Payment period
    6 or 12 months (12 months requires Værdiplus) - max. 36 months in total
    Price
    Depends on age, type of job, coverage and in particular the municipality of residence

    Source: Det Faglige Hus Forsikring: Income protection insurance

  • Frie Income Protection Boost
    Requires
    Membership of Frie’s unemployment insurance fund
    Insurance company
    FF Forsikring A/S
    Maximum coverage
    90 %
    Maximum supplementary payment
    40,000 DKK/month
    Waiting period
    30 days after cessation of work
    Qualifying period
    5 months
    Payment period
    Up to 6 months (maximum 130 days) per unemployment period - maximum 3 periods
    Price
    From 34 DKK/month (+ unemployment insurance fund 555 DKK/month)

    Source: Frie: Income Protection

  • Djøf Income Protection
    Requires
    Djøf member + member of a recognised unemployment insurance fund
    Insurance company
    Topdanmark (part of If Skadeforsikring)
    Maximum coverage
    90 %
    Maximum supplementary payment
    40,000 DKK/month
    Waiting period
    45 days
    Qualifying period
    9 months
    Payment period
    6 or 12 months per unemployment - max. 36 months in total; no payment after 64 years
    Price
    Depends on selected coverage

    Source: Djøf: Income Protection

  • AKA Income Protection
    Requires
    Membership of Akademikernes A-kasse
    Insurance company
    Topdanmark (part of If Skadeforsikring)
    Maximum coverage
    90 %
    Maximum supplementary payment
    40,000 DKK/month
    Waiting period
    Not disclosed – see terms
    Qualifying period
    Not disclosed – see terms
    Payment period
    Up to 12 months
    Price
    Members of the Djøf, IDA and Maskinmestrenes Forening get better prices through their own agreements

    Source: AKA: Salary insurance for academics

  • Topdanmark Income Protection
    Requires
    Member of any Danish unemployment insurance fund
    Insurance company
    Topdanmark (part of If Skadeforsikring)
    Maximum coverage
    90 %
    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
    Price
    Calculated online

    Source: Topdanmark: Income protection insurance

  • Ase Income Protection
    Requires
    Membership of Ase’s unemployment insurance fund
    Insurance company
    AmTrust International Underwriters DAC
    Maximum coverage
    90 %
    Maximum supplementary payment
    30,000 DKK/month
    Waiting period
    28 days (may be reduced by 7 days if you notify Ase within 14 days of becoming aware of the job loss)
    Qualifying period
    6 months (9 months by increase)
    Payment period
    3, 6 or 9 months per period of unemployment - maximum 3 payment periods in total
    Price
    Package with unemployment insurance fund + trade union + income protection: 699 kr./md. (approximately 6,000 kr. on top of unemployment benefits). Higher salaries: individual calculation.

    Source: Ase: Income protection insurance

  • MA Income Protection
    Requires
    Membership of MA
    Insurance company
    AmTrust (administered by Marsh)
    Maximum coverage
    80 %
    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)
    Price
    The premium is 3.06% of the chosen monthly allowance

    Source: MA: Do I need to supplement with an income protection?

  • Krifa Income Protection
    Requires
    Membership of Krifa unemployment insurance fund
    Insurance company
    Krifa Forsikring A/S (according to Krifa’s complaints procedure)
    Maximum coverage
    90 %
    Maximum supplementary payment
    21,000 DKK/month
    Waiting period
    30 days
    Qualifying period
    6 months
    Payment period
    6 or 12 months (from 60 years only 6 months)
    Price
    From 40 DKK/month

    Source: Krifa: Income protection insurance

  • Income Protection for Lærernes a-kasse
    Requires
    Membership of Lærernes a-kasse
    Insurance company
    LB Forsikring (Lærerstandens Brandforsikring)
    Maximum coverage
    80 %
    Maximum supplementary payment
    20,000 DKK/month
    Waiting period
    1 month after job loss
    Qualifying period
    180 days' waiting time after purchase; 12 months of continuous employment (at least 16 h / week) - 6 months for graduates
    Payment period
    6 or 12 months - max. 36 months total
    Price
    Dependent on salary and payment period

    Source: LB Forsikring: Income protection for Lærernes a-kasse

  • DSA Income Protection
    Requires
    Membership of the DSA
    Insurance company
    Bauta Forsikring
    Maximum coverage
    80 %
    Maximum supplementary payment
    20,000 DKK/month
    Waiting period
    Payment from the first day of involuntary unemployment (according to DSA)
    Qualifying period
    180 days with insurance + 6 months' prior appointment
    Payment period
    6 or 12 months - max. 36 months total
    Price
    Depends on salary and coverage – calculated by Bauta

    Source: DSA: Draw a cheap income protection

  • LB Income Protection EKSTRA (BUPL)
    Requires
    Member of BUPL and BUPL-A
    Insurance company
    LB Forsikring (Lærerstandens Brandforsikring)
    Maximum coverage
    90 %
    Maximum supplementary payment
    20,000 DKK/month
    Waiting period
    Not disclosed – see terms
    Qualifying period
    6 months of insurance + 6 months of membership of BUPL and BUPL-A; 12 months of continuous work before unemployment
    Payment period
    Up to 6 months per benefit period
    Price
    Dependent on income and chosen coverage

    Source: LB Insurance: Income protection EXTRA

  • A&TIL Income Protection Basis
    Requires
    Membership of A&TIL
    Insurance company
    Gjensidige Forsikring (Danish branch of Gjensidige Forsikring ASA), in cooperation with First
    Maximum coverage
    90 %
    Maximum supplementary payment
    7,500 DKK/month
    Waiting period
    30 days
    Qualifying period
    9 months
    Payment period
    Maximum 6 months per period of unemployment, maximum 18 months in total (according to the Financial Association)
    Price
    150 DKK/month for the income protection - 671 DKK/month combined with unemployment insurance fund

    Source: A&TIL: Income protection Basis - price

  • 3F Income Protection
    Requires
    Member of 3F and 3F A-kasse
    Insurance company
    Alka
    Maximum coverage
    90 %
    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)
    Price
    Calculated at Alka (70 30 05 07)

    Source: 3F: 3F Income protection insurance

  • Alka Income Protection for other unions
    Requires
    Member of a union + its associated unemployment insurance fund with an Alka agreement
    Insurance company
    Alka
    Maximum coverage
    90 %
    Maximum supplementary payment
    Not disclosed – see terms
    Waiting period
    0 or 1 month
    Qualifying period
    9 months
    Payment period
    6 or 12 months - max. 36 payments total
    Price
    Individual - calculated at Alka

    Source: Alka: Income protection insurance

  • Business Danmark Income Protection
    Requires
    Membership of Business Danmark
    Insurance company
    AmTrust International Underwriters DAC (administered by Marsh)
    Maximum coverage
    90 %
    Maximum supplementary payment
    No DKK limit disclosed
    Waiting period
    Chosen when taking out the policy – stated in the policy
    Qualifying period
    6 or 9 months (depending on policy)
    Payment period
    Up to 360 days per injury - up to 3 periods of injury (270 days from 55 years, 180 days from 60 years)
    Price
    The premium increases 10% at 55 years and 25% at 60 years

    Source: Business Danmark: Income Protection Insurance FAQ

  • DM Income Protection
    Requires
    DM member and Plus customer of Alm. Brand
    Insurance company
    Alm. Brand
    Maximum coverage
    90 %
    Maximum supplementary payment
    Not disclosed – see terms
    Waiting period
    The waiting period becomes more favourable the longer you have been a DM member
    Qualifying period
    Not disclosed – see terms
    Payment period
    12 months at a time
    Price
    Individual - calculated at Alm. Brand

    Source: DM: DM Income protection insurance

  • FOA Income Protection
    Requires
    Member of FOA and FOA’s unemployment insurance fund
    Insurance company
    Alka
    Maximum coverage
    90 %
    Maximum supplementary payment
    No DKK limit disclosed
    Waiting period
    0 or 1 month (General conditions of Alka)
    Qualifying period
    9 months (General conditions of Alka)
    Payment period
    6 or 12 months (General conditions of Alka)
    Price
    Individual - calculated at Alka

    Source: FOA: Income protection insurance

  • GF Income Protection
    Requires
    GF member with one or more personal insurance policies + member of a Danish unemployment insurance fund
    Insurance company
    GF Forsikring
    Maximum coverage
    90 %
    Maximum supplementary payment
    Not disclosed – see terms
    Waiting period
    0 or 30 days (you choose)
    Qualifying period
    6 months
    Payment period
    6 or 12 months
    Price
    Dependent on age, residence, type of job, salary and period

    Source: GF Insurance: Income protection insurance

  • Købstædernes Forsikring Income Protection
    Requires
    Member of any Danish unemployment insurance fund
    Insurance company
    Købstædernes Forsikring
    Maximum coverage
    90 %
    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
    Price
    Calculated online

    Source: Købstædernes Forsikring: Income protection insurance

  • Metal Income Protection (voluntary)
    Requires
    Member of Dansk Metal and Metal A-kasse
    Insurance company
    Alka
    Maximum coverage
    90 %
    Maximum supplementary payment
    No DKK limit disclosed
    Waiting period
    0 or 1 month (General conditions of Alka)
    Qualifying period
    9 months (General conditions of Alka)
    Payment period
    6 or 12 months
    Price
    Calculated at Alka

    Source: Dansk Metal: I will take out an income protection insurance

  • Min A-kasse Income Protection
    Requires
    Membership of Min A-kasse
    Insurance company
    Alka
    Maximum coverage
    90 %
    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
    Price
    Individual - calculated in Alkas calculator

    Source: Min A-kasse: Calculate your Income Protection Insurance

  • PS Income Protection
    Requires
    Not disclosed on Sparekassen Danmark’s website
    Insurance company
    Privatsikring
    Maximum coverage
    90 %
    Maximum supplementary payment
    Not disclosed – see terms
    Waiting period
    Not disclosed – see terms
    Qualifying period
    Not disclosed – see terms
    Payment period
    Up to 12 months
    Price
    Not disclosed – see terms

    Source: Sparekassen Danmark: PS Income Protection