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Updated September 29, 2026 · SumCue Editorial Team

ERGO Group Deutschland vs MyPhysicianPlan

ERGO Group Deutschland scores 9.3 and MyPhysicianPlan 8.7 out of 10. Compare their differences and shared features below.
ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.3/10
Visit
MyPhysicianPlan

MyPhysicianPlan

8.7/10
Visit

Where ERGO Group Deutschland and MyPhysicianPlan differ

ERGO Group Deutschland vs MyPhysicianPlan
CompareERGO Group DeutschlandERGO Group DeutschlandReviewVisitVisitMyPhysicianPlanMyPhysicianPlanReviewVisitVisit
Premium from€3.90$75
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers moreHealth, Travel
Provider typeInsurerBroker
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)$50K-$200K
Age rangeUnder 36 (13% start bonus for young people)up to 99 years
Claims channelsOnline, PhoneNot confirmed

Same on both: Monthly payments (Yes).

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

  • ERGO Group Deutschland scores higher overall: 9.3 vs 8.7.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.

Our verdict on each

ERGO Group Deutschland

ERGO Group Deutschland is a German insurer whose home contents policy starts at €3.90 a month, and it suits households that want motor, home, life, health and travel cover with a single provider. Monthly payments are available, and the provider is listed in the Vermittlerregister.

Read the full ERGO Group Deutschland review

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.

Read the full MyPhysicianPlan review

Score breakdown

ERGO Group Deutschland vs MyPhysicianPlan
AreaERGO Group DeutschlandMyPhysicianPlan
Cost9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available.8.7Premiums start at $75 with monthly payments available for budgeting
Offer9.1Higher8.4Cover spans health and travel with limits of $50K-$200K for medical needs
Trust9.5Higher8.8Operated by MyPhysicianPlan, Inc. based in US with phone contact

Where they rank in our lists

ERGO Group Deutschland vs MyPhysicianPlan
RankingERGO Group DeutschlandMyPhysicianPlan
Insurance18 of 6272 of 627
Health insurance7 of 2001 of 200
Travel insurance10 of 2781 of 278

Where each is licensed and available

ERGO Group Deutschland vs MyPhysicianPlan
CountryERGO Group DeutschlandMyPhysicianPlan
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for MyPhysicianPlan: 1.

What we checked

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

MyPhysicianPlan

  • myphysicianplan.com: 7 facts, checked September 29, 2026

Every fact side by side

ERGO Group Deutschland vs MyPhysicianPlan
FactERGO Group DeutschlandMyPhysicianPlan
Pricing modelMonthlyMonthly
Legal entityERGO Group AGNot confirmed
HeadquartersGermanyNot confirmed
Support channelsEmail, Chat, PhoneNot confirmed

Pros and cons

ERGO Group Deutschland

Pros

  • Monthly payments are available, so a policy can start without a large upfront sum.
  • A single insurer for auto, home and life cover, so a household can place several risks in the same place.
  • Support reaches you on email, chat and phone, so chat sits alongside email and phone.

Cons

  • Email is not among its claims channels (online and phone), so a loss has to go in through the other routes listed there.
  • The provider writes for its own market of DE, so a quote comes from a single national market.
  • The young customer bonus described in Under 36 (13% start bonus for young people) narrows the saving to one age group.

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

ERGO Group Deutschland

Who it suits

  • Households in Germany who want motor, home and health risks with a single insurer.
  • Customers who prefer to pay monthly rather than settle the premium upfront.
  • Younger policyholders, since Under 36 (13% start bonus for young people) shows a start bonus aimed at young customers.

Who should look elsewhere

  • Readers who want an everyday account rather than a German policy: bunq starts at €0.
  • Anyone shopping the Spanish market: bunq Spain shows a premium from €0.
  • People looking for a savings product rather than cover: Linxea's premium begins at €25.

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

Current offers

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs MyPhysicianPlan
CountryERGO Group DeutschlandMyPhysicianPlan
GermanyYesNo
United StatesNoYes

Questions about each

ERGO Group Deutschland

What does ERGO charge as a starting premium?+

The Hausratversicherung Smart home contents policy starts at €3.90 a month. That is below the site median of €8.31, so the entry price sits in the cheaper part of the personal insurance range on this measure, though other lines and higher cover levels cost more.

Can I pay monthly rather than in one payment?+

Yes, monthly payments are available. The home contents policy runs on a monthly model, so the premium is spread over the year instead of being settled at the outset, starting from €3.90. That suits anyone who prefers a predictable monthly amount over a larger one-off cost.

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.

Other options to compare

ERGO Group Deutschland

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MyPhysicianPlan

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