Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs Embea Krebsversicherung
What sets them apart
| Compare |  CHECK24 |  Embea Krebsversicherung |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Critical illness |
| Provider type | Comparison site | Broker |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Up to EUR 150,000 |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online form, Email, Phone |
| Premium from | €0.69 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CHECK24 scores higher overall: 9.3 vs 8.9.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Insurance types: only Embea Krebsversicherung offers Critical illness.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Embea Krebsversicherung offers Online form, Email, Phone.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
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 | CHECK24 | Embea Krebsversicherung |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.1 |
| Offer | 9.6Higher | 8.8 |
| Trust | 8.6 | 8.8Higher |
How they place
| Ranking | CHECK24 | Embea Krebsversicherung |
|---|---|---|
| Life insurance | 7 of 263 | 16 of 263 |
Every fact side by side
| Fact | CHECK24 | Embea Krebsversicherung |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Embea GmbH |
| Headquarters | Germany | Germany |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | CHECK24 | Embea Krebsversicherung | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
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 | CHECK24 | Embea Krebsversicherung |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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.
Other options to compare
Other matchups
- CHECK24 vs HelloSafe (Atlas)
- CHECK24 vs Income Insurance
- CHECK24 vs WorldTrips
- CHECK24 vs die Bayerische
- CHECK24 vs Principal
- CHECK24 vs Allianz Lebensversicherungs-AG
- CHECK24 vs Aviva
- CHECK24 vs Barmenia
- Embea Krebsversicherung vs MSIG Insurance
- Embea Krebsversicherung vs Guardian1821
- CHECK24 vs KS Auxilia
- CHECK24 vs MyPhysicianPlan
- CHECK24 vs HanseMerkur Reiseversicherung AT
- CHECK24 vs HanseMerkur
- CHECK24 vs Linxea
- CHECK24 vs MSIG Insurance (Thailand)
- CHECK24 vs TIPINSURE
- CHECK24 vs Vuso UA
- CHECK24 vs Lemonade
- CHECK24 vs Acko
- CHECK24 vs DirectAsia
- CHECK24 vs YouSet
- CHECK24 vs WAS Insurance