Updated September 28, 2026 · SumCue Editorial Team
1Cover vs Allianz Lebensversicherungs-AG
1Cover
Allianz Lebensversicherungs-AG
Higher score in this comparison
Where 1Cover and Allianz Lebensversicherungs-AG differ
| Compare | 1CoverReviewSee alternativesSee alternatives | Allianz Lebensversicherungs-AGReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel | Life, Income protection |
| Cover limit | unlimited overseas emergency medical and hospital expenses | 25,000-20,000,000 EUR |
| Claims channels | Online claim form, Phone, 24/7 emergency assistance line | Phone, Chat, Online form |
| Age range | no age limit on comprehensive policies; 69 and under for medical only, frequent traveller and already overseas | up to 74 years |
| Premium from | Not confirmed | €2.60 |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
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Key differences
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 9.2.
- Insurance types: only 1Cover offers Travel.
- Insurance types: only Allianz Lebensversicherungs-AG offers Life, Income protection.
- Claims channels: only 1Cover offers Online claim form, 24/7 emergency assistance line.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Support channels: only Allianz Lebensversicherungs-AG offers Email.
Our verdict on each
1Cover
1Cover is an insurer based in Australia that sells travel policies direct, and its headline is unlimited overseas emergency medical and hospital expenses. It suits travellers in AU planning a trip abroad, and shoppers who want to line up several policies side by side before they buy, rather than taking the first quote on offer.
Allianz Lebensversicherungs-AG
Allianz Lebensversicherungs-AG writes term life cover for German households that want a dependant paid if they die, with a cover limit of 25,000-20,000,000 EUR and monthly premiums. Entry is up to 74 years, so the product suits adults insuring a home purchase or a family breadwinner.
Score breakdown
| Area | 1Cover | Allianz Lebensversicherungs-AG |
|---|---|---|
| Cost | Not confirmed | 9.4Premium from €2.60 ranks 60 of 251 brands listed, under the €8.31 median. |
| Offer | 8.8 | 9.2Higher |
| Trust | 9.5 | 9.5 |
How they place
| Ranking | 1Cover | Allianz Lebensversicherungs-AG |
|---|---|---|
| Insurance | 153 of 627 | 79 of 627 |
What we checked
1Cover
- 1cover.com.au: 9 facts, checked September 26, 2026
Allianz Lebensversicherungs-AG
- allianz.de: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | 1Cover | Allianz Lebensversicherungs-AG |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 1Cover Pty Ltd | Allianz Lebensversicherungs-Aktiengesellschaft |
| Headquarters | Australia | Germany |
| Support channels | Phone, Chat, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | 1Cover | Allianz Lebensversicherungs-AG |
|---|---|---|
| Fixed period | Not confirmed | 5 to 40 years |
| Purpose | Not confirmed | Purchase |
Where each stands against the rest
| Fact | 1Cover | Allianz Lebensversicherungs-AG | Median |
|---|---|---|---|
| Premium from | Not confirmed | €2.60below the median | €6.02 |
Median across 116 listed providers.
Pros and cons
1Cover
Pros
- Comprehensive policies carry unlimited overseas emergency medical and hospital expenses.
- Claims run through online claim form, phone and 24/7 emergency assistance line, so help is there day or night.
- It is insurer itself, and its Australian Securities and Investments Commission licence number is 458776.
Cons
- Support runs on phone, chat and help centre only.
- Cover is limited to travel policies, so car, home and life buyers need a different insurer.
- The age range depends on the policy line, with comprehensive policies open at any age and medical only, frequent traveller and already overseas policies capped.
Allianz Lebensversicherungs-AG
Pros
- Monthly payments are available, so the premium starts at €2.60 rather than a large yearly sum.
- The provider is the insurer Allianz Lebensversicherungs-Aktiengesellschaft itself, based in Germany.
- Claims run through phone, chat and online form, so a death claim can be reported by phone, chat or online form.
Cons
- Entry is limited to ages up to 74 years, which rules out a new policy for older applicants.
- Insurance types are limited to life and income protection, so there is no savings or investment wrapper on this product.
- The monthly payment model is the only one listed, so annual single payments are not offered.
Who each suits
1Cover
Who it suits
- Travellers in the audience the brand writes for, which is seniors.
- People who prefer to deal with the insurer itself, since it is insurer.
- Travellers shopping for travel cover only, matching travel.
Who should look elsewhere
- Linxea, which writes life policies and covers a different kind of protection.
- Oney Préstamos ES, whose cover runs to health, life and gadget policies and leaves trips out.
- EuroAsia Insurance, which sells auto, home and travel cover if you want travel alongside car, home and gadget policies.
Allianz Lebensversicherungs-AG
Who it suits
- Adults in Germany insuring a home purchase, since the purpose is listed as purchase.
- Households wanting a dependant paid on death, with the cover limit reaching 25,000-20,000,000 EUR.
- People who would rather pay small amounts each month than a yearly lump, at a starting premium of €2.60.
Who should look elsewhere
- bunq or bunq Spain, if the lowest starting figure of €0 matters more to you than life cover.
- Linxea, listed at €25 premium from, if a higher starting premium fits your plan better.
- Anyone past the entry age of up to 74 years, who cannot open a new policy here.
Current offers
1Cover
Current offer
Discount code
11% Off Travel Insurance (Spring 2026): 11% off
T&C's apply
Source, checked September 26, 2026
Country by country
| Country | 1Cover | Allianz Lebensversicherungs-AG |
|---|---|---|
| Australia | Yes | No |
| Germany | No | Yes |
Questions about each
1Cover
What does 1Cover actually sell?+
1Cover sells travel policies and is listed as insurer, based in Australia. The legal entity named on the documents is 1Cover Pty Ltd. That makes it a travel insurer rather than a general insurer or a comparison site.
How much of an overseas hospital bill is covered?+
Comprehensive policies carry unlimited overseas emergency medical and hospital expenses, and that is the headline selling point. Medical only, frequent traveller and already overseas policies are the ones capped at a maximum age, so an older traveller should read the comprehensive range closely.
Allianz Lebensversicherungs-AG
What does Allianz term life insurance cost a month?+
Premiums start at €2.60 and can be paid monthly, so the first payment stays small. That is a starting figure rather than a quote for a particular age, term and sum assured, and the payment model on offer is monthly.
Who provides the policy and who regulates it?+
The contract is with Allianz Lebensversicherungs-Aktiengesellschaft, which is the insurer behind the product and sits in Germany. It is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), so cover comes from the insurer rather than a broker.
Other options to compare
Other matchups
1Cover
Allianz Lebensversicherungs-AG