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Embea Krebsversicherung review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Embea Krebsversicherung is a German broker with a single product: cancer cover, with benefits of Up to EUR 150,000 and premiums paid monthly. It suits households that want a straightforward critical illness policy to cover a diagnosis, and readers who would rather judge a single cover limit than compare broad health plans.

Key facts

Best for
A cancer policy with a clear payout amount, priced monthly through a registered German intermediary.
Insurance types
Critical-illness↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
Up to EUR 150,000↗
Claims channels
Online-form, Email, Phone↗
Legal entity
Embea GmbH↗
Headquarters
Germany↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
embea.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataTrustpilotLinkedIntrustedshops.de

Pros and cons

Pros

  • A narrow but clear offer: critical illness cover with benefits of Up to EUR 150,000 on a covered diagnosis.
  • The policy is priced monthly, matching the monthly model, so the cost spreads across the year rather than landing as a large upfront payment.
  • Claims can be submitted through online form, email and phone, so a confirmed diagnosis can be reported straight away.

Cons

  • Cover is limited to critical illness, so anyone after health, life or property cover has to look elsewhere.
  • Embea is a broker and not the risk carrier, so the insurer named in the policy sets the payout terms.
  • Support is limited to email, phone and help centre, with no live chat listed.
Embea Krebsversicherung

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Households in Germany who want cancer cover with a named payout amount and premiums spread monthly.
  • Buyers who care more about the size of the benefit than about the shape of the health plan.
  • People who want a registered intermediary on paper, with an entry in the IHK Berlin register.

Who should look elsewhere

  • Anyone wanting health and life cover in the same policy: Oney Préstamos ES lists health, life and gadget.
  • Savers rather than claimants: Linxea lists life, a long-term saving product.
  • Households after car, home or travel cover: EuroAsia Insurance lists auto, home and travel.

Safety of your money

Embea is a broker, so the cover sits with the insurer behind the policy rather than with the brand on the page. It is registered with IHK Berlin as an insurance intermediary, under the register entry D-RP8H-JKDUI-22. Read the wording of the insurer named in the policy before signing, since that insurer is who pays the benefit on a diagnosis.

Who runs it

Embea Krebsversicherung is run by Embea GmbH, registered in Germany. Support runs on email, phone and help centre, so help is available by phone, by email and through a help centre. The IHK Berlin intermediary entry is D-RP8H-JKDUI-22, the place to check the registration standing behind the broker.

How Embea Krebsversicherung compares

Where Embea Krebsversicherung is available

Available
Germany
Licence in Germany
IHK Berlin (registered insurance intermediary under Sec. 34d (1) GewO) (D-RP8H-JKDUI-22), checked September 26, 2026
Licence in Germany
Deutscher Industrie- und Handelskammertag (DIHK) e.V. (supervisory authority under Sec. 11a (1) GewO), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Embea Krebsversicherung actually cover?+

The policy is critical illness cover, listed under critical illness. The amount insured reaches Up to EUR 150,000, and the wording sets the conditions, the covered diagnoses and the waiting period before the benefit is paid. Embea places the policy with an insurer, so read that wording before you commit.

How are premiums paid?+

Premiums are paid monthly, and the policy runs on the monthly model, so the cost is spread over the year instead of a larger single payment. For context, the median starting premium across the insurance listings on SumCue is €8.31, which gives a rough yardstick for a cancer policy.

Is Embea a regulated company?+

Embea is a broker registered with IHK Berlin as an insurance intermediary, under the register entry D-RP8H-JKDUI-22. Because it intermediates rather than carrying the risk, the insurer named in your policy is the party that pays the benefit.

How do I make a claim?+

Claims can be submitted by online form, email and phone, so a confirmed diagnosis can be reported without delay through the online form, email or phone. Have the medical confirmation to hand, since the benefit is triggered by the diagnosis rather than by the claim date.

What support is available?+

Support runs on email, phone and help centre, meaning help by email, by phone and through a help centre. That covers most questions on cover, premiums and the claims route. Live chat and app-based support are not among the channels listed.

How does it compare with broader health or life cover?+

Oney Préstamos ES lists health, life and gadget and Linxea lists life, so both reach further than illness cover, though neither is aimed squarely at a cancer diagnosis. Embea stays on critical illness and lets you weigh the policy on Up to EUR 150,000.

Where is the company based?+

The company is Embea GmbH, registered in Germany, so the contract and the claims process sit under German rules. Premiums and claims are handled in the same country, which matters if a claim is filed while you are living elsewhere.

Sources

  • embea.com checked September 26, 2026

    Backs: Insurance types

  • embea.com/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Licences

    “Embea GmbH Friedrichstraße 114A 10117 Berlin”

  • embea.com/krebsversicherung checked September 26, 2026

    Backs: Cover limit, Pricing model, Monthly payments, Support channels

    “E-Mail service@embea.com ... Telefon 030 / 417 355 35 ... Fragen & Antworten https://embea.zendesk.com/hc/de-de”

  • embea.com/leistungsfall-melden checked September 26, 2026

    Backs: Claims channels

    “Schaden online melden; E-Mail service@embea.com; Telefon 030 / 417 355 35”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Related by the facts

Embea Krebsversicherung

Embea Krebsversicherung

A cancer policy with a clear payout amount, priced monthly through a registered German intermediary.

8.9/10Visit