Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs Income Insurance
Where Embea Krebsversicherung and Income Insurance differ
| Compare |  Embea Krebsversicherung |  Income Insurance |
|---|---|---|
| Insurance types | Critical illness | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Online form, Email, Phone | Phone, Email, Online form, Mobile app, Customer portalCovers more |
| Premium from | Not confirmed | SGD 0.60 |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
| Age range | Not confirmed | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Insurance types: only Embea Krebsversicherung offers Critical illness.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only Income Insurance offers Mobile app, Customer portal.
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.
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 | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Cost | 9.1 | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 8.8 | 9.6Higher |
| Trust | 8.8 | 9.5Higher |
Where each is licensed and available
| Country | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Embea Krebsversicherung: 1. Additional countries for Income Insurance: 1.
How they place
| Ranking | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Life insurance | 15 of 261 | 6 of 261 |
Side by side, item by item
| Insurance types | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Critical illness | Yes | No |
Every fact side by side
| Fact | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Embea GmbH | Income Insurance Limited |
| Headquarters | Germany | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
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.
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
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.
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 | Embea Krebsversicherung | Income Insurance |
|---|---|---|
| Germany | Yes | No |
| Singapore | No | 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.
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.
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