Updated September 28, 2026 · AssureCue Editorial Team
DZI vs Income Insurance
Where DZI and Income Insurance differ
| Compare |  DZI |  Income Insurance |
|---|---|---|
| Premium from | €5 | SGD 0.60 |
| Insurance types | Auto, Home, Life, Health, Travel, Breakdown, Home emergency | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Cover limit | Travel medical expenses limit EUR 5,000 to 50,000 | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Phone, Online portal, Offices and service centres, Email | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 16 to 69 years | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
Same on both: Provider type (Insurer).
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
- Founded is lower at DZI: 1946 vs 1970.
- Insurance types: only DZI offers Breakdown, Home emergency.
- Insurance types: only Income Insurance offers Pet, Motorcycle.
- Claims channels: only DZI offers Online portal, Offices and service centres.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
Our verdict on each
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | DZI | Income Insurance |
|---|---|---|
| Cost | 9.2Higher | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 9.5 | 9.6Higher |
| Trust | 9.6Higher | 9.5 |
How they place
| Ranking | DZI | Income Insurance |
|---|---|---|
| Car insurance | 69 of 393 | 8 of 393 |
| Home insurance | 53 of 272 | 7 of 272 |
| Life insurance | 49 of 261 | 6 of 261 |
| Health insurance | 46 of 215 | 7 of 215 |
| Travel insurance | 78 of 291 | 11 of 291 |
| Business insurance | 41 of 150 | 9 of 150 |
| Professional indemnity and liability insurance | 14 of 38 | 3 of 38 |
Side by side, item by item
| Insurance types | DZI | Income Insurance |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Breakdown | Yes | No |
| Home emergency | Yes | No |
Availability and regulation
Additional countries for DZI: 1. Additional countries for Income Insurance: 1.
Sources behind this comparison
DZI
- dzi.bg: 12 facts, checked September 26, 2026
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | DZI | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | DZI-General Insurance | Income Insurance Limited |
| Headquarters | Bulgaria | Singapore |
| Founded | 1946Lower | 1970 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | DZI | Income Insurance |
|---|---|---|
| Cover types | Public liability, Professional indemnity, PropertyCovers more | Professional indemnity |
Pros and cons
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | DZI | Income Insurance |
|---|---|---|
| Bulgaria | Yes | No |
| Singapore | No | Yes |
Questions about each
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
Other options to compare
Other matchups
- Income Insurance vs WorldTrips
- DZI vs AA Breakdown
- DZI vs Aviva
- DZI vs MiWay
- Income Insurance vs Hiscox UK
- DZI vs KS Auxilia
- Income Insurance vs MyPhysicianPlan
- Income Insurance vs Polizza Vita con Bonus
- Income Insurance vs HanseMerkur Reiseversicherung AT
- Income Insurance vs HanseMerkur
- Income Insurance vs Linxea
- Income Insurance vs Explorer Travel Insurance
- Income Insurance vs HelloSafe (Atlas)
- Income Insurance vs MSIG Insurance (Thailand)
- Income Insurance vs TIPINSURE
- Income Insurance vs Vuso UA
- Income Insurance vs Lemonade
- Income Insurance vs Compass
- Income Insurance vs Acko
- Income Insurance vs DirectAsia
- Income Insurance vs YouSet
- Income Insurance vs WAS Insurance
- DZI vs hotline.finance
- Income Insurance vs MoneyHero
- Income Insurance vs BizCover (Australia)