Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Oney Préstamos ES
APRIL International vs Oney Préstamos ES: the differences
| Compare |  APRIL International |  Oney Préstamos ES |
|---|---|---|
| Premium from | €12Lower | €1,000 |
| Insurance types | Health, Travel | Health, Life, Gadget |
| 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 45,000 EUR |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Help centre |
| Excess from | €50 | Not confirmed |
| Age range | Not confirmed | Of legal age only |
Same on both: Monthly payments (Yes).
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Key differences
- APRIL International scores higher overall: 9.3 vs 8.7.
- APRIL International is available in 9 more countries.
- Premium from is lower at APRIL International: €12 vs €1,000.
- Insurance types: only APRIL International offers Travel.
- Insurance types: only Oney Préstamos ES offers Life, Gadget.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Oney Préstamos ES offers Help centre.
- Support channels: only APRIL International offers Email.
- Support channels: only Oney Préstamos ES offers Community.
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.
Oney Préstamos ES
Oney Préstamos ES is a Spanish broker offering health, life and gadget cover, with monthly payments and support by phone, chat, a help centre and a community, which suits readers who want protection in a single place. Its starting premium of €1,000 sits well above cheaper rivals such as Linxea at €25.
Score breakdown
| Area | APRIL International | Oney Préstamos ES |
|---|---|---|
| Cost | 8.9HigherPremium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 8.6 |
| Offer | 9.4Higher | 8.9 |
| Trust | 9.6Higher | 8.8 |
Where each is licensed and available
| Country | APRIL International | Oney Préstamos ES |
|---|---|---|
| France | Not confirmed | |
| Spain | Not confirmed | Banco de España 8.814 |
Additional countries for APRIL International: 10. Additional countries for Oney Préstamos ES: 1.
Feature by feature
| Insurance types | APRIL International | Oney Préstamos ES |
|---|---|---|
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Gadget | No | Yes |
If neither fits
KS/AUXILIA has premium from at €5.04, against €12 for APRIL International and €1,000 for Oney Préstamos ES.
KS/AUXILIA reviewWhere these facts come from
APRIL International
- april-international.com: 11 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | APRIL International | Oney Préstamos ES |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Not confirmed | Spain |
| Support channels | Email, Chat, Phone, Help centre | Phone, Chat, Help centre, Community |
Where each stands against the rest
| Fact | APRIL International | Oney Préstamos ES | Median |
|---|---|---|---|
| Premium from | €12above the median | €1,000highest quarter | €6.06 |
| Excess from | €50at the median | Not confirmed | €50 |
Median across 117 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.
Oney Préstamos ES
Pros
- Monthly payments are available, so the premium is spread across the year rather than settled in a single sum.
- Support runs on phone, chat and help centre, so phone and chat sit alongside a help centre and a community.
- The firm is named and supervised: Oney Servicios Financieros E.F.C., S.A.U holds a Banco de España authorisation, 8.814.
Cons
- The starting premium of €1,000 sits well above €25 at Linxea, so price on its own points elsewhere.
- The range is health, life and gadget, narrower than auto, home and renters at Good Sam Insurance Agency.
- Claims run through help centre only, so a claim is handled in the help centre rather than on a claims line.
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.
Oney Préstamos ES
Who it suits
- People in Spain who meet the age rule, Of legal age only, and want a health or life policy billed monthly.
- Readers who value a real support desk, given phone, chat and help centre covers phone and chat as well as the help centre.
- Holders of an exposure that fits inside Up to 45,000 EUR and who can live with the health, life and gadget range.
Who should look elsewhere
- Shoppers on a tight budget: Linxea starts at €25 and bonus.ch lists CHF 0 at the other end.
- Readers wanting a wide set of policies gathered in one place: Good Sam Insurance Agency lists auto, home and renters against Oney's health, life and gadget.
- Anyone insuring something large: cover stops at Up to 45,000 EUR.
Current offers
Oney Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | APRIL International | Oney Préstamos ES |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Spain | No | Yes |
| 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.
Oney Préstamos ES
How much does cover start at?+
Cover starts at a premium of €1,000, and monthly payments are available, so the charge is spread rather than settled upfront. Linxea lists €25 as its starting point and bonus.ch lists CHF 0, so Oney sits well above the cheaper end of the market on the entry figure.
Is Oney Préstamos ES regulated?+
The operation sits with Oney Servicios Financieros E.F.C., S.A.U, a broker registered in Spain, and it is authorised by Banco de España under 8.814. The authorisation means the firm answers to a named supervisor in Spain, although it arranges policies rather than writing the risk itself, since it is a broker.
Other options to compare
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- Oney Préstamos ES vs die Bayerische
- APRIL International vs ERGO Group Deutschland
- APRIL International vs Embea Krebsversicherung
- APRIL International vs Ottonova