Updated September 29, 2026 · AssureCue Editorial Team
CosmosDirekt vs MyPhysicianPlan
What sets them apart
| Compare |  CosmosDirekt |  MyPhysicianPlan |
|---|---|---|
| Premium from | €1.73 | $75 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | $50K-$200K |
| Age range | up to 64 years | up to 99 years |
| Claims channels | Online, Phone | Not confirmed |
Same on both: Monthly payments (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
- CosmosDirekt scores higher overall: 9.4 vs 8.7.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Insurance types: only MyPhysicianPlan offers Health.
Our verdict on each
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
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 | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Cost | 9.4HigherEntry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.1Higher | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.6Higher | 8.8Head office base is in US under a stated corporate identity. |
Side by side, item by item
| Insurance types | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Income protection | Yes | No |
How they place
| Ranking | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Travel insurance | 9 of 291 | 1 of 291 |
Availability and regulation
| Country | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Germany | Not confirmed |
Additional countries for CosmosDirekt: 1. Additional countries for MyPhysicianPlan: 1.
What we checked
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Pros and cons
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
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
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
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.
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | MyPhysicianPlan |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
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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