Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs MSIG Insurance
What sets them apart
| Compare |  Embea Krebsversicherung | MSIG Insurance ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Critical illness | Auto, Home, Travel, Health, Pet, Critical illnessCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | TravelEasy: up to $1 million overseas medical expenses |
| Claims channels | Online form, Email, Phone | Phone, Email, Live chat, SMS enquiry, Online customer portal, Authorised repair workshop |
| Monthly payments | Yes | Not confirmed |
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Key differences
- MSIG Insurance scores higher overall: 9.5 vs 8.9.
- MSIG Insurance is available in 17 more countries.
- Insurance types: only MSIG Insurance offers Auto, Home, Travel.
- Claims channels: only Embea Krebsversicherung offers Online form.
- Claims channels: only MSIG Insurance offers Live chat, SMS enquiry, Online customer portal.
- Support channels: only MSIG Insurance 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.
MSIG Insurance
MSIG Insurance suits anyone in Singapore who wants one insurer for car, home, travel, health, pet and critical illness cover, and wants claims handled by phone, chat or email. It has been writing since 2001 under Mitsui Sumitomo Insurance Co. Ltd..
Score breakdown
| Area | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Cost | 9.1 | Not confirmed |
| Offer | 8.8 | 9.7Higher |
| Trust | 8.8 | 9.3Higher |
Feature by feature
| Insurance types | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Critical illness | Yes | Yes |
How they place
| Ranking | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Life insurance | 16 of 263 | 39 of 263 |
| Critical illness cover | 4 of 65 | 10 of 65 |
Licences and countries
| Country | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Germany | Not confirmed | |
| Singapore | Not confirmed |
Additional countries for Embea Krebsversicherung: 1. Additional countries for MSIG Insurance: 18.
Every fact side by side
| Fact | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Embea GmbH | Mitsui Sumitomo Insurance Co. Ltd. |
| Headquarters | Germany | Japan |
| Founded | Not confirmed | 2001 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Email, Help centreCovers more |
Business insurance
| Fact | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Cover types | Not confirmed | Public liability, Employers liability, Property |
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.
MSIG Insurance
Pros
- Underwrites directly as Mitsui Sumitomo Insurance Co. Ltd., not a broker
- Personal cover spans auto, home and travel
- Business lines cover public liability, employers liability and property
Cons
- Critical illness is the only serious illness line in auto, home and travel, so life and income protection sit outside the range
- Business cover stops at public liability, employers liability and property, with no professional indemnity or cyber line
- Support runs on phone, chat and email only, and claims channels add phone, email and live chat on top
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.
MSIG Insurance
Who it suits
- Singapore households wanting car, home, travel, health and pet policies in one place
- Small businesses that need public liability, employers liability and property alongside personal policies
- Travellers who want the medical limit on TravelEasy: up to $1 million overseas medical expenses
Who should look elsewhere
- Hiscox UK, whose home, renters and landlord centre on landlord and home emergency cover rather than pet or health policies
- Good Sam Insurance Agency, which covers life insurance as well as auto, home and renters
- Euroasia Insurance, a smaller range limited to auto, home and travel
Country by country
| Country | Embea Krebsversicherung | MSIG Insurance |
|---|---|---|
| Australia | No | Yes |
| Brunei | No | Yes |
| Cambodia | No | Yes |
| China | No | Yes |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| India | No | Yes |
| Indonesia | No | Yes |
8 of 19 countries where either is available.
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.
MSIG Insurance
What kinds of policy can I hold with MSIG Insurance?+
Personal cover runs to auto, home and travel for the same household. Business policies sit alongside it, covering public liability, employers liability and property. Claims on those lines are handled directly by the insurer rather than through a broker.
Who insures the policy and who regulates it?+
The policy is underwritten by Mitsui Sumitomo Insurance Co. Ltd., an insurer headquartered in Japan and trading since 2001. In Singapore it answers to the Monetary Authority of Singapore, which is where its regulatory disclosures sit.