Updated September 28, 2026 · SumCue Editorial Team
10Life vs DELA Lebensversicherungen
10Life
DELA Lebensversicherungen
Higher score in this comparison
10Life vs DELA Lebensversicherungen: the differences
| Compare | 10LifeReviewSee alternativesSee alternatives | DELA LebensversicherungenReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, LifeCovers more | Life |
| Provider type | Comparison site | Insurer |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Online death report form, Phone, Email |
| Premium from | Not confirmed | €2.65 |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | 3,000 - 20,000 EUR (Sterbegeldversicherung sorgenfrei Leben) |
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Key differences
- DELA Lebensversicherungen scores higher overall: 9.3 vs 8.7.
- Founded is lower at DELA Lebensversicherungen: 1937 vs 2017.
- Insurance types: only 10Life offers Travel, Home, Health.
- Claims channels: only 10Life offers Independent claims team, Whatsapp.
- Claims channels: only DELA Lebensversicherungen offers Online death report form.
- Support channels: only 10Life offers Chat.
Our verdict on each
10Life
10Life is a comparison site built for expats in Hong Kong, letting readers weigh travel, home, health, critical illness and life policies side by side. It holds an Insurance Authority licence under FB1526, and each quote comes from the insurer being compared rather than from one house provider.
DELA Lebensversicherungen
DELA Lebensversicherungen suits people looking for straightforward life insurance with a starting premium of €2.65 and monthly payment flexibility. It is an insurer rather than a broker, with support by phone, email and a help centre.
Score breakdown
| Area | 10Life | DELA Lebensversicherungen |
|---|---|---|
| Cost | Not confirmed | 9.4The starting premium is €2.65, and monthly payments are available. |
| Offer | 9.5Higher | 8.8 |
| Trust | 8.2 | 9.6Higher |
How they place
| Ranking | 10Life | DELA Lebensversicherungen |
|---|---|---|
| Insurance | 411 of 627 | 121 of 627 |
| Life insurance | 185 of 238 | 57 of 238 |
Every fact side by side
| Fact | 10Life | DELA Lebensversicherungen |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | DELA Natura- en levensverzekeringen N.V. |
| Headquarters | Hong Kong | Netherlands |
| Founded | 2017 | 1937Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 10Life | DELA Lebensversicherungen | Median |
|---|---|---|---|
| Premium from | Not confirmed | €2.65below the median | €6.02 |
Median across 116 listed providers.
Pros and cons
10Life
Pros
- Range covers travel, home, health, critical illness and life, set out in travel, home and health.
- Support runs on email, chat and phone, so phone, chat, email and the help centre are open.
- Claims go to an independent claims team on phone, email or WhatsApp (independent claims team, phone and email).
Cons
- As a comparison site, the policy contract sits with the insurer behind each quote rather than the site.
- Auto, pet and gadget risks are not among its travel, home and health, so those quotes end elsewhere.
- The stated audience is expats, so the panel is aimed at a narrower group than all residents.
DELA Lebensversicherungen
Pros
- Starting premium of €2.65.
- Monthly payments are available, as confirmed by monthly and the monthly payments fact.
- Support includes phone, email and a help centre, as email, phone and help centre shows.
Cons
- The product is limited to life insurance rather than a wider insurance range, as life shows.
- The available cover limit is 3,000 - 20,000 EUR (Sterbegeldversicherung sorgenfrei Leben), which may not suit people seeking a broader range of cover.
- Premium comparisons should be read carefully because the provider is an insurer, not a broker, according to insurer.
Who each suits
10Life
Who it suits
- Expats in Hong Kong weighing travel, health, home, critical illness and life cover in travel, home and health.
- People who want a named contact on a claim, since independent claims team, phone and email lists an independent claims team.
- Readers who prefer several providers at once, which is what a comparison site is built to show.
Who should look elsewhere
- Life cover from a single provider: Linxea lists life on its own.
- Auto and gadget cover in a Spanish market: Oney Préstamos ES lists health, life and gadget.
- Auto risks alongside home and travel: EuroAsia Insurance lists auto, home and travel.
DELA Lebensversicherungen
Who it suits
- People seeking life insurance with a starting premium of €2.65.
- People who want monthly payments, supported by monthly.
- Customers who value phone and email support, listed in email, phone and help centre.
Who should look elsewhere
- People seeking insurance beyond life coverage should compare another option, since life lists only life insurance.
- People needing a different listed premium structure should compare Linxea, whose starting premium is €25.
- People seeking broader cover than the stated range should compare another option, as 3,000 - 20,000 EUR (Sterbegeldversicherung sorgenfrei Leben) sets the available limit.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Country by country
| Country | 10Life | DELA Lebensversicherungen |
|---|---|---|
| Germany | No | Yes |
| Hong Kong | Yes | No |
Questions about each
10Life
Is 10Life an insurer or a comparison site?+
10Life is a comparison site, so it puts policies from several providers side by side rather than underwriting cover itself. The legal entity behind the service is 10Life Financial Limited, and the contract you sign at the point of purchase sits with the insurer being compared.
Is 10Life regulated in Hong Kong?+
Yes. 10Life holds a Hong Kong Insurance Authority licence, FB1526, and the site is registered in Hong Kong. Since it works as a comparison site rather than as the risk carrier, its own licence and the insurer behind each quote are two separate checks to make.
DELA Lebensversicherungen
What is the starting premium?+
DELA Lebensversicherungen is an insurer offering life insurance, with a starting premium of €2.65. Its legal entity is DELA Natura- en levensverzekeringen N.V., and the company is based in the Netherlands, as NL shows.
Can I pay the premium monthly?+
Monthly payments are available, and the payment model is monthly according to monthly. This can help spread the cost of the policy rather than requiring the full premium in a single payment.
Other options to compare
10Life
DELA Lebensversicherungen