Get greater peace of mind when you change jobs
IDA Forsikring's job change insurance lets you retain your notice period when changing jobs, providing greater financial security.
Why do you need job change insurance?
Job change insurance provides you with the financial flexibility to pursue the next step in your career according to your goals and ambitions, rather than being driven by financial necessity. Here are three compelling reasons to consider this insurance.
Get cover for up to 12 months - depending on your notice period
Job change insurance enables you to switch jobs confidently while maintaining your extended notice period.
You're covered from day one in your new job
There is no waiting period. Your cover starts on your first day in a new job and lasts up to 12 months if your employer terminates your employment involuntarily.
You receive 90% of your salary
Job change insurance provides financial security by paying up to 90% of your salary, up to DKK 40,000 per month. This insurance supplements unemployment benefits if your employer involuntarily dismisses you.
More benefits of job change insurance
When you change jobs, your notice period in your new position often becomes shorter than the notice period in the job you leave. For example, your notice period may drop from five months to one month. This reduction increases the financial risk to your personal finances if your employer dismisses you involuntarily from your new job.
Job change insurance allows you to carry over your previous notice period and receive up to 90% of your gross salary in your new job.
If you become involuntarily unemployed within the first 12 months of your new job because your employer decides that the role does not match your profile or because the position is made redundant, the insurance pays out up to 90% of your gross salary (maximum DKK 40,000 per month). The insurance pays benefits for a period corresponding to your former notice period.
The insurance has no waiting period. You receive payments from the day your salary stops. Job change insurance, therefore, suits you if you are in the middle of a job change and want financial security from your first working day in your new job.
Take out job change insurance easily
If you want job change insurance through IDA Forsikring, you can easily take it out. Just click the link below.
Worth knowing about our job change insurance
Topdanmark provides our job change insurance. You can log in and make changes yourself via My Topdanmark.
Certain situations fall outside the scope of cover. The job change insurance does not cover you if:
- You resign yourself
- You accept the insurance after you turn 67
- You live or work outside Denmark
Which requirements do I need to meet?
To use job change insurance, you must meet the following requirements:
- You can take out job change insurance from the moment you sign your employment contract until the
- day before you start your new job.
- You must be in employment and not yet have started your new job. You must not have any working days
- between your old and new job during which you are unemployed.
- You must be a member of the IDA trade union.
- You must be a member of a Danish state‑approved unemployment insurance fund (A‑kasse) and qualify for
- unemployment benefits.
- You must be at least 18 years old and must not have turned 67 at the time you accept the insurance.
- You must work as an employee for at least 16 hours per week.
- You must live in and work in Denmark.
- You must have earned a notice period of at least three months.
- If you start a new job on a fixed‑term contract, the contract must run for a minimum of 12 months.
- You must not have started your new job.
- You must not hold salary insurance or any other similar unemployment insurance.
- To be eligible for job change insurance, your gross monthly salary must be at least DKK 27,889 (as of 2026).
- Additionally, if you qualify for an employment supplement from your unemployment insurance fund, your gross monthly salary must exceed DKK 32,704 (as of 2026) for the insurance to provide benefits during the first three months of unemployment.
This is how the job change insurance covers you:
This is how IDA Forsikring’s job change insurance covers you
Along with the overview, you can see the calculation below, which provides an example of the monthly amount you could receive with job change insurance.
Please note that this example applies only if you do not receive an employment supplement. If you qualify for an employment supplement, the payout will be lower during the first three months.
Example of a cover with the job change insurance:
Gross Salary | DKK 44,000 |
Salary after Labour Market Contribution (AMBI) deducted | DKK 36,800 |
Maximum payout | 90% of your current salary after deduction of AMBI – DKK 33,120 |
Minus unemployment benefits (maximum rate 2026) | DKK 22,041 |
Potential payout from the job change insurance | DKK 10,079 |
Is IDA Forsikring's job change insurance the same as IDA Forsikring's salary insurance?
No, IDA Forsikring's job change insurance is not the same as IDA Forsikring's supplemental unemployment insurance. Both insurance products provide financial cover if you become involuntarily unemployed, but there are also important differences.
- You can have supplemental unemployment insurance throughout your working life, whereas job change insurance applies only during the first 12 months of your new job.
- If your employer makes you redundant within the first 12 months of your new job, job change insurance allows you to retain the notice period from your previous job. Supplemental Unemployment Insurance does not link coverage to the length of your notice period.
- Supplemental unemployment insurance includes a waiting period, whereas job change insurance provides coverage from your first working day.
- Supplemental unemployment insurance includes an excess period, whereas job change insurance does not.
- You take out supplemental unemployment insurance while you are employed to secure your finances in the long term. You take out job change insurance when you are facing a job change and want to protect your existing notice period during the first 12 months of your new job.
- Please note that you cannot take out job change insurance if you already have supplemental unemployment insurance.
Terms and conditions
Job change insurance
The following terms and conditions apply to the job change insurance.
Partner:
Topdanmark
Terms and conditions
Job change insurance
The following terms and conditions apply to the job change insurance.
Partner:
Topdanmark