Ase Income Protection
Ase Income Protection is individual income protection insurance from Ase. Requirements: membership of Ase’s unemployment insurance fund. It covers up to 90 % of salary with 2,000–30,000 DKK/month additional unemployment benefits.
- Provider
- Ase
- Type
- Unemployment insurance fund – individual scheme
- Requires
- Membership of Ase’s unemployment insurance fund
- Insurance company
- AmTrust International Underwriters DAC
- Maximum overall coverage
- 90 % of salary
- Maximum supplementary payment
- 30,000 DKK/month
- Minimum supplementary payment
- 2,000 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
- Age
- 18 to 60 years when the income protection insurance comes into force
- Minimum salary
- 29,035 DKK/month
- 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.
Price examples from the provider
- Unemployment insurance fund + union + income protection insurance (salary 29,035-35,000 DKK): 699 DKK/month total
Additional terms
- Total payment (unemployment benefits + income protection) max. 52,041 DKK/month
- Requires 2 years of employment and at least 25 hours / week (or self-employed)
- Outplacement in the event of dismissal
- Tryg stopped the Ase-members' pay guarantee in 2025 - the product now lies with AmTrust
Sickness coverage
Covers unemployment where disease is medically documented if you have not been to a doctor for the same disorder during the 12 months before purchase
Tax deduction
Tax-deductible
Sources
Last verified:
Related policies
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Frequently asked questions
What is the qualifying period for income protection?
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The qualifying period is the time you must have had (and paid for) the insurance before you can get paid. It is typically 5-9 months: Frie 5 months, Ase / CA / Krifa / Det Faglige Hus / Lederne / GF 6 months, Djøf / Topdanmark / IDA / Alka / MA 9 months. If you are terminated during the period, you are not covered.
See FAQ →What is the difference between a waiting period and a qualifying period?
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The qualifying period runs from purchasing the policy until cover begins. The waiting period (karens or selvrisiko) is the number of days from becoming unemployed until payments start: for example, 28 days with Ase, 30 with CA and 45 with Djøf. Some providers use “karens” for the qualifying period, so read the terms.
See FAQ →Are income protection payments taxable?
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Yes. Income protection payments are taxed as ordinary A-income, but no labour market contribution (AM-bidrag) is payable on them. Income protection is therefore not tax-free.
Sources: A&TIL: Tax rules on income protection
See FAQ →