Updated September 29, 2026 · AssureCue Editorial Team
die Bayerische vs MyPhysicianPlan
die Bayerische vs MyPhysicianPlan: the differences
| Compare |  die Bayerische |  MyPhysicianPlan |
|---|---|---|
| Premium from | €2.09 | $75 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | $50K-$200K |
| Excess from | €0 to €35 | Not confirmed |
| Claims channels | Online, Post, Phone | Not confirmed |
| Age range | Not confirmed | up to 99 years |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.7.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
Our verdict on each
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
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 | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.6Higher | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.7Higher | 8.8Head office base is in US under a stated corporate identity. |
Feature by feature
| Insurance types | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Licences and countries
| Country | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Germany | Not confirmed |
Additional countries for die Bayerische: 1. Additional countries for MyPhysicianPlan: 1.
How they place
| Ranking | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Health insurance | 32 of 216 | 1 of 216 |
| Travel insurance | 71 of 295 | 1 of 295 |
| Business insurance | 29 of 147 | 2 of 147 |
Sources behind this comparison
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Business insurance
| Fact | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Cover types | Public liability, Property | Not confirmed |
| Industries | Retail, construction, cleaning, hospitality and health professions | Not confirmed |
Where each stands against the rest
| Fact | die Bayerische | MyPhysicianPlan | Median |
|---|---|---|---|
| Excess from | €0 to €35below the median | Not confirmed | €50 |
Median across 71 listed insurance providers.
Pros and cons
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
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
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
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
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | MyPhysicianPlan |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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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