Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs MyPhysicianPlan
andsafe vs MyPhysicianPlan: the differences
| Compare |  andsafe |  MyPhysicianPlan |
|---|---|---|
| Provider type | Insurer | Broker |
| Premium from | €10.57 | $75 |
| Cover types | Public liability, Professional indemnity, Property | Not confirmed |
| Indemnity limit | €10,000,000 | Not confirmed |
| Excess from | €0 | Not confirmed |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | Not confirmed |
Same on both: Monthly payments (Yes).
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Our verdict on each
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
MyPhysicianPlan
MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.
Score breakdown
| Area | andsafe | MyPhysicianPlan |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.8Head office base is in US under a stated corporate identity. |
Licences and countries
| Country | andsafe | MyPhysicianPlan |
|---|---|---|
| Germany | Not confirmed |
Additional countries for andsafe: 1. Additional countries for MyPhysicianPlan: 1.
Positions in our rankings
| Ranking | andsafe | MyPhysicianPlan |
|---|---|---|
| Travel insurance | 8 of 291 | 1 of 291 |
| Business insurance | 7 of 150 | 2 of 150 |
What we checked
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
MyPhysicianPlan
- myphysicianplan.com: 3 facts, checked September 29, 2026
Every fact side by side
| Fact | andsafe | MyPhysicianPlan |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Personal insurance
| Fact | andsafe | MyPhysicianPlan |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Health, Travel |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | $50K-$200K |
| Claims channels | Online | Not confirmed |
| Age range | Not confirmed | up to 99 years |
Where each stands against the rest
| Fact | andsafe | MyPhysicianPlan | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €100 |
Median across 16 listed insurance providers.
Pros and cons
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
MyPhysicianPlan
Pros
- Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
- Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
- Voice support through phone gives direct contact for cover and claims questions.
Cons
- Cover stays within health and travel, so needs beyond health and travel call for another provider.
- Support runs on phone only, which limits choice if you prefer written contact.
- As a broker, placement depends on partner underwriters rather than direct underwriting.
Who each suits
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
MyPhysicianPlan
Who it suits
- Travellers who want health and travel focus with phone guidance through cover choices.
- Mature travellers who value extended age eligibility and steady monthly budgeting.
Who should look elsewhere
- If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
- If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by phone only.
Country by country
| Country | andsafe | MyPhysicianPlan |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
MyPhysicianPlan
What does MyPhysicianPlan cost to start?+
Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.
Which insurance types does MyPhysicianPlan offer?+
MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.
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