Updated September 28, 2026 · AssureCue Editorial Team
1Cover vs SOLIDAR -Das faire Sterbegeld
Where 1Cover and SOLIDAR -Das faire Sterbegeld differ
| Compare |  1Cover |  SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Insurance types | Travel | Life |
| Cover limit | unlimited overseas emergency medical and hospital expenses | up to EUR 8,000 death benefit (Tarife 18 and 19) |
| Claims channels | Online claim form, Phone, 24/7 emergency assistance line | Phone, Post |
| Age range | no age limit on comprehensive policies; 69 and under for medical only, frequent traveller and already overseas | entry age 14-75 (monthly premium plans 14-70) |
| Premium from | Not confirmed | €0.47 |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
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Key differences
- Insurance types: only 1Cover offers Travel.
- Insurance types: only SOLIDAR -Das faire Sterbegeld offers Life.
- Claims channels: only 1Cover offers Online claim form, 24/7 emergency assistance line.
- Claims channels: only SOLIDAR -Das faire Sterbegeld offers Post.
- Support channels: only 1Cover offers Chat.
- Support channels: only SOLIDAR -Das faire Sterbegeld offers Email.
Our verdict on each
1Cover
1Cover is a travel insurer for travellers who want no ceiling on overseas hospital costs and help day and night once something goes wrong. It suits Australian shoppers comparing travel policies on medical cover and claim handling rather than on bundled household extras.
SOLIDAR -Das faire Sterbegeld
SOLIDAR -Das faire Sterbegeld keeps the cover deliberately plain: a single death benefit paid monthly, for households that want a guaranteed sum for survivors and nothing beyond it. Premiums start at €0.47 on the monthly plans, so the outlay suits people covering a mortgage or a partner's income.
Score breakdown
| Area | 1Cover | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Cost | Not confirmed | 9.5Starting premiums of €0.47 sit far below the site median of €8.37, and the cost part scores 9. |
| Offer | 8.8Higher | 8.6 |
| Trust | 9.6 | 9.7Higher |
Licences and countries
| Country | 1Cover | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Australia | Not confirmed | |
| Germany | Not confirmed |
Additional countries for 1Cover: 1. Additional countries for SOLIDAR -Das faire Sterbegeld: 1.
What we checked
1Cover
- 1cover.com.au: 9 facts, checked September 26, 2026
SOLIDAR -Das faire Sterbegeld
- solidar-versicherung.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | 1Cover | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 1Cover Pty Ltd | SOLIDAR Versicherungsgemeinschaft Sterbegeldversicherung VVaG |
| Headquarters | Australia | Germany |
| Founded | Not confirmed | 1922 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | 1Cover | SOLIDAR -Das faire Sterbegeld | Median |
|---|---|---|---|
| Premium from | Not confirmed | €0.47lowest quarter | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
1Cover
Pros
- Overseas emergency medical and hospital expenses are unlimited overseas emergency medical and hospital expenses
- Help runs on phone, chat and help centre, with a online claim form, phone and 24/7 emergency assistance line route for urgent cases
- One category only, travel, so quotes stay quick to compare
Cons
- travel is the only category sold, so there is no bundle to price against
- Support runs on phone, chat and help centre, with no email channel listed
- The contract is with 1Cover Pty Ltd in AU rather than a global brand
SOLIDAR -Das faire Sterbegeld
Pros
- Starting premiums of €0.47 put it at 26 of 252 brands on price.
- Monthly payments: yes, and monthly makes a month the only pricing mode.
- The contract is with the insurer itself under BaFin licence 3079.
Cons
- The largest sum offered is up to EUR 8,000 death benefit (Tarife 18 and 19), so check it against any mortgage balance.
- Claims are taken on phone and post, meaning phone or post rather than an online form.
- Support runs on phone, email and help centre, so no live chat option is listed.
Who each suits
1Cover
Who it suits
- Travellers whose main worry is a large overseas hospital bill
- Older travellers planning a trip and wanting help on online claim form, phone and 24/7 emergency assistance line
- Shoppers who prefer a direct insurer rather than a broker
Who should look elsewhere
- Household policies, since 1Cover sells travel only
- Anyone wanting travel bundled with home or motor cover
- Readers who want an email thread, as phone, chat and help centre lists no email
SOLIDAR -Das faire Sterbegeld
Who it suits
- Households arranging a death benefit alongside a mortgage or a family loan.
- Applicants inside entry age 14-75 (monthly premium plans 14-70) who want the premium paid monthly.
- People after a single benefit rather than a mixed range, since life is the only cover here.
Who should look elsewhere
- Buyers wanting a savings-linked life policy instead of a death benefit: Linxea starts at €25 and is priced for a different purpose.
- Anyone bundling several policies with one provider: Good Sam lists auto, home and renters under one roof.
Current offers
1Cover
Current offer
Discount code
11% Off Travel Insurance (Spring 2026): 11% off
T&C's apply
Source, checked September 26, 2026
SOLIDAR -Das faire Sterbegeld
Current offer
Discount code
Beitragsrabatt bis zu 18%: up to 18% off premium contributions
BaFin-approved premium discount from surplus participation, granted from the first month after policy start, reviewed annually
Source, checked September 26, 2026
Bonus
Sofort doppelte Versicherungssumme bei Unfalltod: double insured sum paid immediately
Applies to Tarife 18 and 19 on accidental death, waiting period waived; not payable for child co-insurance or single-premium Tarif EB
Source, checked September 26, 2026
Country by country
| Country | 1Cover | SOLIDAR -Das faire Sterbegeld |
|---|---|---|
| Australia | Yes | No |
| Germany | No | Yes |
Questions about each
1Cover
How much does a 1Cover travel policy cost?+
No premium figure for 1Cover appears in these records, so the price depends on the trip details you enter and the plan you choose. Travel is quoted per policy rather than published as one rate, and cover levels change the figure. Ask for the quote in writing before you travel so the wording matches what you paid for.
Is 1Cover the insurer or a broker?+
1Cover is a insurer, so the cover is underwritten by the company you deal with directly rather than handed to an unnamed underwriter. The legal entity named on the policy is 1Cover Pty Ltd. Your claim sits with the same firm that sold it to you, which keeps the chain short.
SOLIDAR -Das faire Sterbegeld
What does a policy cost?+
Starting premiums are €0.47 for the monthly plans, against a site median of €8.37 and a life ranking median of €7.95. The monthly outgoing is the only pricing mode, monthly, so there is no annual alternative to compare.
How much does the policy pay out?+
The sum insured is up to EUR 8,000 death benefit (Tarife 18 and 19), and that is the ceiling on what a policy pays. life insurance is the only line here, with no savings or investment element attached, so anyone wanting a growing pot should look elsewhere.
Other options to compare
Other matchups
Related by the facts
- Fast Cover Travel Insurance, also regulated by Australian Securities and Investments Commission (AFSL)
- Insurance providers with Travel
- Insurance providers available in Australia
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Life
- Insurance providers available in Germany