Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs ERGO Group Deutschland
Where Embea Krebsversicherung and ERGO Group Deutschland differ
| Compare |  Embea Krebsversicherung |  ERGO Group Deutschland |
|---|---|---|
| Insurance types | Critical illness | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Online form, Email, Phone | Online, Phone |
| Premium from | Not confirmed | €3.90 |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 8.9.
- Insurance types: only Embea Krebsversicherung offers Critical illness.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only Embea Krebsversicherung offers Online form, Email.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Embea Krebsversicherung offers Help centre.
- Support channels: only ERGO Group Deutschland offers Chat.
Our verdict on each
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.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | Embea Krebsversicherung | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.1 | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 8.8 | 9.1Higher |
| Trust | 8.8 | 9.6Higher |
How they place
| Ranking | Embea Krebsversicherung | ERGO Group Deutschland |
|---|---|---|
| Life insurance | 16 of 263 | 5 of 263 |
Every fact side by side
| Fact | Embea Krebsversicherung | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Embea GmbH | ERGO Group AG |
| Headquarters | Germany | Germany |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Business insurance
| Fact | Embea Krebsversicherung | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | Embea Krebsversicherung | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | Not confirmed | €3.90below the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
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.
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
Who each suits
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.
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | Embea Krebsversicherung | ERGO Group Deutschland |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
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.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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