Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Max Life Insurance
CHECK24
Higher score in this comparison
Max Life Insurance
CHECK24 vs Max Life Insurance: the differences
| Compare | CHECK24ReviewVisitVisit | Max Life InsuranceReviewVisitVisit |
|---|---|---|
| Premium from | €0.69 | ₹461 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Life, Health, Critical illness |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Rs 5 crore sum assured |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online portal, Email, Whatsapp, Branch |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | 18 years and above |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- CHECK24 scores higher overall: 9.3 vs 9.2.
- Founded is lower at CHECK24: 1999 vs 2000.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Home, Travel.
- Insurance types: only Max Life Insurance offers Critical illness.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Max Life Insurance offers Online portal, Email, Whatsapp.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
Max Life Insurance
Max Life Insurance suits adults in India who want life, health or critical illness cover bought direct from the company that pays the claim, with term cover reaching Rs 5 crore sum assured and monthly premiums. An insurer since 2000, it names expats and seniors as its customers.
Score breakdown
| Area | CHECK24 | Max Life Insurance |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.3Cost sits at 7 on a starting premium of INR 461, with monthly payments on the term plan. |
| Offer | 9.6Higher | 9.2 |
| Trust | 8.6 | 9.3Higher |
Pick CHECK24 if, pick Max Life Insurance if
Pick CHECK24 if cost and offer matter most.
Pick Max Life Insurance if trust matter most.
Feature by feature
| Insurance types | CHECK24 | Max Life Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Critical illness | No | Yes |
| Income protection | Yes | No |
| Gadget | Yes | No |
How they place
| Ranking | CHECK24 | Max Life Insurance |
|---|---|---|
| Insurance | 17 of 627 | 25 of 627 |
| Life insurance | 5 of 238 | 7 of 238 |
| Health insurance | 6 of 200 | 11 of 200 |
Every fact side by side
| Fact | CHECK24 | Max Life Insurance |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Axis Max Life Insurance Limited (formerly Max Life Insurance Company Limited) |
| Headquarters | Germany | India |
| Founded | 1999Lower | 2000 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Loans
| Fact | CHECK24 | Max Life Insurance |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | Max Life Insurance |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | Max Life Insurance |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Pros and cons
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
Max Life Insurance
Pros
- Cover and claims come from the same insurer, with no broker sitting between the policy and the payout.
- The life, health and critical illness lines sit with the same provider, so a family can hold several policies with the same company.
- Support runs on email, phone and help centre, and claims can go in by online portal, email and whatsapp, including a branch and WhatsApp.
Cons
- Cover starts at a minimum age of 18 years and above, so a child's own policy cannot be arranged here.
- On starting premium the brand ranks 86 of 251 brands compared, so cheaper entry points sit elsewhere.
- WhatsApp and branches appear on the claims side (online portal, email and whatsapp) but not in email, phone and help centre, leaving everyday queries to email, phone and the help centre.
Who each suits
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
Max Life Insurance
Who it suits
- Adults in India who want life or health cover from the insurer itself rather than a broker.
- Buyers sizing a term policy against a mortgage or a family's income, since the plan's sum assured runs to Rs 5 crore sum assured.
- Expats and seniors, the groups listed in expats and seniors.
Who should look elsewhere
- Readers benchmarking euro options: bunq starts at €0 and bunq Spain at €0, both quoted in euro.
- Anyone putting a euro product next to a rupee one: Linxea quotes €25, and the currencies differ, so the figures are not side by side.
- Buyers who need cover under a European regulator, such as bunq Spain customers, since Max Life's licence comes from IRDAI in India.
Current offers
Max Life Insurance
Current offer
Discount code
Up to 15% Discount on 1 Cr Term Plan: 15% (Rs 1 Cr term plan at Rs 595/Month, reduced from Rs 700)
Prices valid till 30th September 2026; Axis Max Life Smart Term Plan Plus (UIN 104N132V01)
Source, checked September 26, 2026
Discount code
Female Life Discount on Smart Term Plan Plus: 15% flat discount on premium
Applicable throughout the premium payment term for female life insured
Source, checked September 26, 2026
Discount code
0% GST on term insurance plans bought online: 0% GST (18% shown struck through)
On term plans purchased online; 18% GST shown struck through on the product page
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Max Life Insurance |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| India | No | Yes |
| Spain | Yes | No |
Questions about each
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
Max Life Insurance
What does the cheapest policy cost?+
Premiums start at INR 461 on the Smart Term Plan Plus term plan. That is the entry figure for the term product, not for every policy in the life, health and critical illness range, and the final premium depends on the plan and cover chosen.
Can I pay the premium monthly?+
Yes. Monthly payments are available, and the payment model is listed as monthly only. Paying in instalments spreads a term premium across the year rather than demanding the whole sum up front, which matters most if cash flow is tight.
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