Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs ERGO Group Deutschland
APRIL International vs ERGO Group Deutschland: the differences
| Compare |  APRIL International |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €12 | €3.90Lower |
| Insurance types | Health, Travel | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Online, Phone |
| Excess from | €50 | Not confirmed |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
- APRIL International is available in 9 more countries.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €12.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only ERGO Group Deutschland offers Online, Phone.
- Support channels: only APRIL International offers Help centre.
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.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | APRIL International | ERGO Group Deutschland |
|---|---|---|
| Cost | 8.9Premium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.4Higher | 9.1 |
| Trust | 9.6 | 9.6 |
What each covers
| Insurance types | APRIL International | ERGO Group Deutschland |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Income protection | No | Yes |
Where each is licensed and available
| Country | APRIL International | ERGO Group Deutschland |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed |
Additional countries for APRIL International: 10. Additional countries for ERGO Group Deutschland: 1.
Which one suits you
Pick APRIL International if offer matter most.
Pick ERGO Group Deutschland if cost, premium from, and insurance types matter most.
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €12 for APRIL International and €3.90 for ERGO Group Deutschland.
HanseMerkur Reiseversicherung AT reviewHow they place
| Ranking | APRIL International | ERGO Group Deutschland |
|---|---|---|
| Health insurance | 61 of 216 | 6 of 216 |
| Travel insurance | 98 of 295 | 10 of 295 |
| Business insurance | 51 of 147 | 8 of 147 |
Every fact side by side
| Fact | APRIL International | ERGO Group Deutschland |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | ERGO Group AG |
| Headquarters | Not confirmed | Germany |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | APRIL International | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | APRIL International | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €12above the median | €3.90below the median | €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.
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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.
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | APRIL International | ERGO Group Deutschland |
|---|---|---|
| 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.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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