Updated September 29, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs MyPhysicianPlan

ERGO Group Deutschland scores 9.4 and MyPhysicianPlan 8.7 out of 10. Compare their differences and shared features below.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

MyPhysicianPlan

8.7/10

Facts checked September 29, 2026.

Where ERGO Group Deutschland and MyPhysicianPlan differ

ERGO Group Deutschland vs MyPhysicianPlan
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
MyPhysicianPlanMyPhysicianPlan
ReviewVisitVisit
Premium from€3.90$75
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers moreHealth, Travel
Provider typeInsurerBroker
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)$50K-$200K
Age rangeUnder 36 (13% start bonus for young people)up to 99 years
Claims channelsOnline, PhoneNot confirmed

Same on both: Monthly payments (Yes).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Key differences

  • ERGO Group Deutschland scores higher overall: 9.4 vs 8.7.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.

Our verdict on each

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.

Read the full ERGO Group Deutschland review

MyPhysicianPlan

MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.

Read the full MyPhysicianPlan review

Score breakdown

ERGO Group Deutschland vs MyPhysicianPlan
AreaERGO Group DeutschlandMyPhysicianPlan
Cost9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.8.7Entry pricing starts at $75 with monthly billing available.
Offer9.1Higher8.4Traveller limits run $50K-$200K for the listed health and travel use.
Trust9.6Higher8.8Head office base is in US under a stated corporate identity.

Feature by feature

ERGO Group Deutschland vs MyPhysicianPlan
Insurance typesERGO Group DeutschlandMyPhysicianPlan
AutoYesNo
HomeYesNo
LifeYesNo
HealthYesYes
TravelYesYes
MotorcycleYesNo
DentalYesNo
Income protectionYesNo

Where these facts come from

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

MyPhysicianPlan

  • myphysicianplan.com: 7 facts, checked September 29, 2026

How they place

ERGO Group Deutschland vs MyPhysicianPlan
RankingERGO Group DeutschlandMyPhysicianPlan
Health insurance6 of 2151 of 215
Travel insurance10 of 2911 of 291
Business insurance8 of 1502 of 150

Every fact side by side

ERGO Group Deutschland vs MyPhysicianPlan
FactERGO Group DeutschlandMyPhysicianPlan
Pricing modelMonthlyMonthly
Legal entityERGO Group AGNot confirmed
HeadquartersGermanyNot confirmed
Support channelsEmail, Chat, PhoneNot confirmed

Business insurance

ERGO Group Deutschland vs MyPhysicianPlan
FactERGO Group DeutschlandMyPhysicianPlan
Cover typesPublic liability, Cyber, PropertyNot confirmed

Pros and cons

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

MyPhysicianPlan

Pros

  • Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
  • Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
  • Voice support through phone gives direct contact for cover and claims questions.

Cons

  • Cover stays within health and travel, so needs beyond health and travel call for another provider.
  • Support runs on phone only, which limits choice if you prefer written contact.
  • As a broker, placement depends on partner underwriters rather than direct underwriting.

Who each suits

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

MyPhysicianPlan

Who it suits

  • Travellers who want health and travel focus with phone guidance through cover choices.
  • Mature travellers who value extended age eligibility and steady monthly budgeting.

Who should look elsewhere

  • If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
  • If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by 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

ERGO Group Deutschland vs MyPhysicianPlan
CountryERGO Group DeutschlandMyPhysicianPlan
GermanyYesNo
United StatesNoYes

Questions about each

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.

MyPhysicianPlan

What does MyPhysicianPlan cost to start?+

Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.

Which insurance types does MyPhysicianPlan offer?+

MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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