Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs Principal
What sets them apart
| Compare |  Embea Krebsversicherung |  Principal |
|---|---|---|
| Insurance types | Critical illness | Dental, Life, Critical illness, Income protectionCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | Dental annual maximum typically $1,000 to $2,000 per year |
| Claims channels | Online form, Email, Phone | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | Member, spouse and dependents to age 26 |
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Key differences
- Principal scores higher overall: 9.5 vs 8.9.
- Insurance types: only Principal offers Dental, Life, Income protection.
- Claims channels: only Embea Krebsversicherung offers Online form, Email, Phone.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
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.
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
Score breakdown
| Area | Embea Krebsversicherung | Principal |
|---|---|---|
| Cost | 9.1 | Not confirmed |
| Offer | 8.8 | 9.1Higher |
| Trust | 8.8 | 9.7Higher |
Side by side, item by item
| Insurance types | Embea Krebsversicherung | Principal |
|---|---|---|
| Life | No | Yes |
| Dental | No | Yes |
| Critical illness | Yes | Yes |
| Income protection | No | Yes |
Availability and regulation
| Country | Embea Krebsversicherung | Principal |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for Embea Krebsversicherung: 1. Additional countries for Principal: 1.
How they place
| Ranking | Embea Krebsversicherung | Principal |
|---|---|---|
| Life insurance | 16 of 263 | 41 of 263 |
| Critical illness cover | 4 of 65 | 11 of 65 |
Where these facts come from
Embea Krebsversicherung
- embea.com: 9 facts, checked September 26, 2026
Principal
- principal.com: 8 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Embea Krebsversicherung | Principal |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Embea GmbH | Principal Life Insurance Company |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1879 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
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.
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter 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.
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
Country by country
| Country | Embea Krebsversicherung | Principal |
|---|---|---|
| Germany | Yes | No |
| United States | 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.
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.
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