Updated September 29, 2026 · AssureCue Editorial Team
KS Auxilia vs MyPhysicianPlan
Where KS Auxilia and MyPhysicianPlan differ
| Compare |  KS Auxilia |  MyPhysicianPlan |
|---|---|---|
| Premium from | €5.04 | $75 |
| Insurance types | Legal expenses, Breakdown | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | Unlimited | $50K-$200K |
| Age range | 18+ | up to 99 years |
| Excess from | €0 | Not confirmed |
| Claims channels | Online, Phone, Email, Chat | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 8.7.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Insurance types: only MyPhysicianPlan offers Health, Travel.
Our verdict on each
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
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.
Score breakdown
| Area | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Cost | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.2HigherNarrow motor legal focus through legal expenses and breakdown capped by Unlimited | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.6HigherEstablished direct structure as insurer dating to 1964 | 8.8Head office base is in US under a stated corporate identity. |
Licences and countries
| Country | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Germany | Not confirmed |
Additional countries for KS Auxilia: 1. Additional countries for MyPhysicianPlan: 1.
How they place
| Ranking | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Business insurance | 1 of 150 | 2 of 150 |
Every fact side by side
| Fact | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1964 | Not confirmed |
| Support channels | Email, Chat, Phone | Not confirmed |
Business insurance
| Fact | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Industries | Private households, trades, medical professions, farmers, companies | Not confirmed |
Where each stands against the rest
| Fact | KS Auxilia | MyPhysicianPlan | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €70 |
Median across 68 listed insurance providers.
Pros and cons
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
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
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
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.
Country by country
| Country | KS Auxilia | MyPhysicianPlan |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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
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