Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Embea Krebsversicherung
Where APRIL International and Embea Krebsversicherung differ
| Compare |  APRIL International |  Embea Krebsversicherung |
|---|---|---|
| Insurance types | Health, Travel | Critical illness |
| Provider type | Insurer | Broker |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | Up to EUR 150,000 |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Online form, Email, Phone |
| Premium from | €12 | Not confirmed |
| Excess from | €50 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- APRIL International scores higher overall: 9.3 vs 8.9.
- APRIL International is available in 9 more countries.
- Insurance types: only APRIL International offers Health, Travel.
- Insurance types: only Embea Krebsversicherung offers Critical illness.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Embea Krebsversicherung offers Online form, Email, Phone.
- Support channels: only APRIL International offers Chat.
Our verdict on each
APRIL International
APRIL International is an insurer built for expats who want health and travel cover handled through one account, with monthly payments and direct billing to healthcare providers. Premiums start at €12 on its travel plans, and support runs on email, chat and phone.
Embea Krebsversicherung
Embea Krebsversicherung is a German broker built around one product, critical illness cover, paying out Up to EUR 150,000 on a covered diagnosis with premiums collected month by month. It suits readers who want a single lump sum and a manageable monthly bill, rather than shoppers weighing a wide policy range.
Score breakdown
| Area | APRIL International | Embea Krebsversicherung |
|---|---|---|
| Cost | 8.9Premium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 9.1Higher |
| Offer | 9.4Higher | 8.8 |
| Trust | 9.6Higher | 8.8 |
What each covers
| Insurance types | APRIL International | Embea Krebsversicherung |
|---|---|---|
| Health | Yes | No |
| Travel | Yes | No |
| Critical illness | No | Yes |
Availability and regulation
| Country | APRIL International | Embea Krebsversicherung |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for APRIL International: 10. Additional countries for Embea Krebsversicherung: 1.
Where these facts come from
APRIL International
- april-international.com: 11 facts, checked September 26, 2026
Embea Krebsversicherung
- embea.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | APRIL International | Embea Krebsversicherung |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | Embea GmbH |
| Headquarters | Not confirmed | Germany |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | APRIL International | Embea Krebsversicherung | Median |
|---|---|---|---|
| Premium from | €12above the median | Not confirmed | €6.02 |
| Excess from | €50at the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
APRIL International
Pros
- Health and travel sit in the same account, matching the expat audience on expats.
- Monthly payments are available, so cover can be paid as monthly rather than in one go.
- Claims run through Easy Claim mobile app, telephone and e mail, including direct billing to a healthcare provider.
Cons
- The excess starts at €50, so small medical claims still come with a cost to the policyholder.
- Cover limit differs by plan: medical expenses run to a higher ceiling on the Premium travel plan and a lower one on Essential and Prestige.
- Insurance types are limited to health and travel, so there is no motor, home or life cover to add to the account.
Embea Krebsversicherung
Pros
- Monthly payments are available, so the premium is spread across the month rather than settled in one go.
- A covered diagnosis pays out Up to EUR 150,000, a defined sum rather than a share of earnings.
- Claim reporting runs through online form, email and phone, giving more than one way to notify a diagnosis.
Cons
- Critical illness is the only insurance type listed under critical illness, so there is no wider product set to compare.
- Support runs on email, phone and help centre, with no live chat channel in that list.
- The only payment model listed is monthly, so there is no annual option to compare.
Who each suits
APRIL International
Who it suits
- Expats who want one insurer for health and travel rather than separate policies.
- Travellers who value direct billing to a healthcare provider over paying and reclaiming.
- Anyone who prefers paying for cover monthly rather than in a single payment.
Who should look elsewhere
- People wanting home, motor or life cover, since health and travel is the full list.
- Anyone unwilling to pay an excess, because the minimum on travel plans is €50.
- Buyers wanting the cheapest entry price, since premiums start above the site median of €8.37.
Embea Krebsversicherung
Who it suits
- Readers who want one clear payout on a critical illness diagnosis.
- Shoppers who would rather carry a monthly premium than settle the cover in one payment.
- People who prefer to report a claim by phone or email as well as online, listed under online form, email and phone.
Who should look elsewhere
- Linxea, whose life points at life cover rather than a critical illness payout.
- Oney Préstamos ES, whose health, life and gadget runs to health, life and gadget policies.
- Good Sam Insurance Agency, whose auto, home and renters covers auto, home, renters, life, health, travel, pet and motorcycle.
Country by country
| Country | APRIL International | Embea Krebsversicherung |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
8 of 11 countries where either is available.
Questions about each
APRIL International
What does APRIL International cost to start?+
Premium from €12 on the travel plans listed. That sits above the site median of €8.37 for premium from, and the excess starts at €50, so the first bill is not the whole cost of a claim.
Can I pay for cover monthly?+
Yes. Monthly payments are available, and the model on monthly means cover can be paid in monthly instalments rather than one annual sum. This matters for anyone moving country and settling costs over time.
Embea Krebsversicherung
How much does Embea Krebsversicherung pay out on a critical illness claim?+
Sums insured are set at Up to EUR 150,000, paid as a lump sum once a covered diagnosis is confirmed. The policy is a single critical illness product rather than a bundle, and the amount chosen sits within that ceiling.
Can the premium be paid monthly?+
Monthly payments are available, and monthly is the payment model listed for the policy. That spreads a critical illness premium across the month instead of asking for the full amount in one payment, which many readers find easier to carry alongside a monthly budget.
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