Updated September 29, 2026 · SumCue Editorial Team
CHECK24 vs MyPhysicianPlan
CHECK24
Higher score in this comparison
MyPhysicianPlan
CHECK24 vs MyPhysicianPlan: the differences
| Compare | CHECK24ReviewVisitVisit | MyPhysicianPlanReviewVisitVisit |
|---|---|---|
| Premium from | €0.69 | $75 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Health, Travel |
| Provider type | Comparison site | Broker |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | $50K-$200K |
| Monthly payments | Not confirmed | Yes |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Not confirmed |
| Age range | Not confirmed | up to 99 years |
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 8.7.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Home, Life.
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.
MyPhysicianPlan
MyPhysicianPlan suits travellers seeking cover across health and travel through a broker setup shown as broker with monthly payments available, with premiums starting at $75. Cover limits run $50K-$200K with eligibility described as up to 99 years, while support runs on phone only, so expectations around contact should be set before applying.
Score breakdown
| Area | CHECK24 | MyPhysicianPlan |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.7Premiums start at $75 with monthly payments available for budgeting |
| Offer | 9.6Higher | 8.4Cover spans health and travel with limits of $50K-$200K for medical needs |
| Trust | 8.6 | 8.8HigherOperated by MyPhysicianPlan, Inc. based in US with phone contact |
Where they rank in our lists
| Ranking | CHECK24 | MyPhysicianPlan |
|---|---|---|
| Insurance | 17 of 627 | 2 of 627 |
| Health insurance | 6 of 200 | 1 of 200 |
| Travel insurance | 9 of 278 | 1 of 278 |
Where each is licensed and available
| Country | CHECK24 | MyPhysicianPlan |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
Additional countries for CHECK24: 3. Additional countries for MyPhysicianPlan: 1.
Every fact side by side
| Fact | CHECK24 | MyPhysicianPlan |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Loans
| Fact | CHECK24 | MyPhysicianPlan |
|---|---|---|
| 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 | MyPhysicianPlan |
|---|---|---|
| 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 | MyPhysicianPlan |
|---|---|---|
| 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
MyPhysicianPlan
Pros
- Cover across health and travel keeps health and travel protection under the same broker arrangement
- Cover limits of $50K-$200K give a clear ceiling for planning treatment costs abroad
- Eligibility described as up to 99 years accommodates mature travellers who face tighter age rules elsewhere
Cons
- Support runs on phone only, which limits choice if you prefer chat or email contact
- Cover focuses on health and travel only, so households wanting auto or home cover may prefer AXA
- Premiums start at $75, which sits above TravelSecure at €5 for trip only needs
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
MyPhysicianPlan
Who it suits
- Travellers wanting health plus travel cover in health and travel rather than life cover from Polizza Vita con Bonus
- People who value monthly payments and phone contact via phone over chat led service from AXA
Who should look elsewhere
- Households seeking life cover should consider Polizza Vita con Bonus, which focuses on life rather than health and travel
- Trip only buyers sensitive to entry price may prefer TravelSecure at €5 rather than MyPhysicianPlan at $75
Country by country
| Country | CHECK24 | MyPhysicianPlan |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
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.
MyPhysicianPlan
How much does MyPhysicianPlan cost to start?+
Premiums start at $75 for MyPhysicianPlan cover. The exact amount you pay will depend on the plan options selected, the level of cover chosen and personal circumstances. Monthly payments are available, which can help spread the cost rather than requiring payment in a lump sum.
Can I pay for MyPhysicianPlan in instalments?+
Monthly payments are available with MyPhysicianPlan, which suits travellers who prefer to budget through regular instalments. This structure aligns with its monthly model and can make planning medical and travel protection more predictable. Terms around billing dates and plan changes should be checked before applying.
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