Denmark’s cheapest salary insurance and unemployment fund

Denmark’s most affordable combined package of salary insurance + unemployment insurance — exclusively at A&Til. Both are tax‑deductible.

Salary insurance and unemployment fund from DKK 610/month
Get an additional DKK 7,500/month on top of your unemployment benefits with our income‑protection package, or choose flexible income protection with up to DKK 60,000/month extra
We cover all industries and have 156,000 members
Receive up to DKK 26,198/month in unemployment benefits
Recommended by 50+ trade unions and backed by more than 50 years of experience
Switch your unemployment fund easily and for free — your seniority follows you

Get the right salary insurance from the start. An advisor will contact you to ensure you get the coverage that fits your needs. Order a free, non‑binding call below.

Request a free call Join the unemployment fund only

Salary insurance Basic

Salary insurance Basic is one of Denmark's most affordable combined salary insurances and unemployment‑fund solutions — perfect for anyone who doesn’t want to compromise on financial security.

Up to DKK 7,500/month on top of your unemployment benefits.
Only DKK 150/month for Salary Insurance Basic.
Gives you financial breathing room for six months if you become unemployed.
Total price only DKK 671/month (approx. DKK 462/month after tax).
Denmark’s cheapest unemployment fund and salary insurance — exclusively at A&Til.
Peace of mind backed by 50 years of experience.
You keep your seniority when switching to A&Til.

Does this sound right for you? Click the button below and enter your information. We will contact you within 24 hours.

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Salary insurance Flex

Salary Insurance Flex is for those who want an affordable unemployment fund combined with flexible salary insurance — tailored to your needs and covering up to 90% of your salary in case of unemployment.

Flexible salary insurance based on your needs (up to DKK 60,000/month extra).
Affordable unemployment fund at only DKK 521/month (approx. DKK 349/month after tax) for employees.
Unemployment benefit rate of DKK 22,041/month before tax (up to DKK 26,198/month for the first three months).
Additional monthly payout on top of your unemployment benefits (for up to 12 months).
Coverage of up to 90% of your current salary.
You keep your seniority when switching to A&Til.

Does this sound right for you? Click the button below and enter your information. We will contact you within 24 hours.

Get a call

Why choose salary insurance?

Salary insurance gives you extra money on top of your unemployment benefits if you one day find yourself without a job. It’s for anyone with fixed expenses — or for those who want to maintain a lifestyle with more financial breathing room.
As a member of the A&Til unemployment fund, you can choose between Salary Insurance Basic or Salary Insurance Flex:

Basic is a combined package that gives you Denmark’s most affordable salary insurance and unemployment fund — with up to DKK 7,500/month on top of your unemployment benefits.
Flex is tailored to your individual needs, allowing you to choose exactly how much of your salary you want to insure.

Request a call using the button below — and we’ll help find the best solution for you.

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Questions and answers

What is salary insurance?

Salary insurance is an insurance that provides you with a fixed amount on top of your unemployment benefits if you lose your job. It reduces the drop in income and gives you financial peace of mind while you search for new work.

How am I covered with salary insurance Basic?

With salary insurance Basic, you receive up to DKK 7,500 on top of your unemployment benefits each month for up to six months if you become involuntarily unemployed and meet the qualification period.
The price is DKK 150 per month, and it is the same for everyone.

What is salary insurance Flex?

Salary insurance Flex is our flexible option that lets you choose how much you want to insure yourself for — more or less than DKK 7,500.
It’s ideal if you have higher expenses or want a larger payout than what Basic offers.

How do I get a tax deduction?

You automatically receive a tax deduction because the salary insurance is reported directly to the Danish Tax Agency (SKAT).
You don’t need to do anything yourself — the deduction runs automatically.

What is the price after tax?

The monthly price of DKK 150 for salary insurance Basic becomes lower after tax due to the deduction.
The exact price depends on your tax rate, but it typically ends up around DKK 100–115 after tax.

I am already a member

That’s great — it means you may already be eligible for unemployment benefits depending on your membership duration and income requirements.

If you'd also like income protection, you can freely choose between Basic and Flex as long as you are employed and have not received a notice of termination.

We are happy to help you find the option that best matches your needs.

What is the insurance payout?

The first 9 months are the qualification period.

If, after the qualification period, you become aware of upcoming unemployment, you can receive the following coverage from the insurance start date once you become unemployed:

From months 9–15: DKK 3,000 in insurance payout for up to 6 months
From months 16–21: DKK 4,000 in insurance payout for up to 6 months
From months 22–27: DKK 5,000 in insurance payout for up to 6 months
After month 28: DKK 7,500 in insurance payout for up to 6 months

Remember, there is a 30‑day waiting period (deductible period) when you become unemployed.