Embea Krebsversicherung review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
One critical illness product with a monthly premium and a payout of Up to EUR 150,000.
Insurance types
Critical-illness (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
Up to EUR 150,000 (Source, checked September 26, 2026)
Claims channels
Online-form, Email, Phone (Source, checked September 26, 2026)
Legal entity
Embea GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
embea.com

Apps and profiles

Elsewhere
WikidataTrustpilotLinkedIntrustedshops.de

Pros and cons

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.
Embea Krebsversicherung

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Scored 8.9 / 10 by AssureCue.

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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.

How your money is protected

Embea Krebsversicherung is a broker, so cover is arranged through an intermediary rather than underwritten by the brand. That intermediary status is registered with IHK Berlin under D-RP8H-JKDUI-22, a German chamber register for insurance intermediaries. The entry gives readers a named authority to check the arrangement against, and a place to raise questions about how the policy was sold.

The company behind it

The brand operates as Embea GmbH, based in Germany, which gives readers a named German company to hold the contract with. Support is handled on email, phone and help centre, so questions can be sent by email or phone or worked through the help centre. The intermediary registration with IHK Berlin, listed under D-RP8H-JKDUI-22, is the authority to check the arrangement with.

How Embea Krebsversicherung compares

Where Embea Krebsversicherung is available

Available
Germany
Licence in Germany
IHK Berlin (registered insurance intermediary under Sec. 34d (1) GewO) (D-RP8H-JKDUI-22), checked September 26, 2026
Licence in Germany
Deutscher Industrie- und Handelskammertag (DIHK) e.V. (supervisory authority under Sec. 11a (1) GewO), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How is a claim reported?+

Claim reporting runs through online form, email and phone, so a diagnosis can be notified by online form, by email or by phone. The online form needs no call, and the phone route gives an option for anyone who would rather speak through the case than write it out.

Is Embea an insurer or a broker?+

Embea is listed as a broker, so the critical illness policy is arranged through an intermediary rather than underwritten by the brand itself. That intermediary registration is recorded with IHK Berlin under D-RP8H-JKDUI-22, which is the register to check the sales arrangement against.

Which company is behind the policy and how is it reached?+

The company is Embea GmbH, based in Germany, so the contract sits with a German entity. Support is handled on email, phone and help centre, covering email, phone and a help centre, which gives readers a few routes for a question before or after a policy starts.

Is anything other than critical illness covered?+

Critical illness is the only type on offer, as critical illness shows, so there is no life, health or property product here to add on. Readers who want one policy covering several risks will find more choice elsewhere.

What do critical illness premiums look like across the site?+

Among critical illness policies on the site the median starting premium is €8.40, with the lower quartile at €4.78 and the upper quartile at €14.24. An individual price depends on the sum insured and the age at entry, so treat these as a yardstick.

Sources

  • embea.com checked September 26, 2026

    Backs: Insurance types

  • embea.com/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “Embea GmbH Friedrichstraße 114A 10117 Berlin”

  • embea.com/krebsversicherung checked September 26, 2026

    Backs: Cover limit, Pricing model, Monthly payments, Support channels

    “E-Mail service@embea.com ... Telefon 030 / 417 355 35 ... Fragen & Antworten https://embea.zendesk.com/hc/de-de”

  • embea.com/leistungsfall-melden checked September 26, 2026

    Backs: Claims channels

    “Schaden online melden; E-Mail service@embea.com; Telefon 030 / 417 355 35”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Embea Krebsversicherung

Embea Krebsversicherung

One critical illness product with a monthly premium and a payout of Up to EUR 150,000.

8.9/10Visit

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