Updated September 28, 2026 · AssureCue Editorial Team

Absa vs HanseMerkur Reiseversicherung AT

Absa scores 9.4 and HanseMerkur Reiseversicherung AT 9.4 out of 10. Compare their differences and shared features below.

Absa

9.4/10

Facts checked September 26, 2026.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

Absa vs HanseMerkur Reiseversicherung AT: the differences

Absa vs HanseMerkur Reiseversicherung AT
Compare
AbsaAbsa
ReviewSee alternativesSee alternatives
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
Premium fromZAR 115€1.50
Insurance typesAuto, Home, Life, Health, Travel, Pet, GadgetCovers moreTravel, Pet, Gadget
Cover limitR6,000,000300,000 EUR for inpatient treatment abroad
Claims channelsPhone, Email, Online portal, Self service appOnline form, Phone
Age range3 months to 89 yearsup to 65 years of age
Monthly paymentsYesNot confirmed

Same on both: Provider type (Insurer).

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Key differences

  • HanseMerkur Reiseversicherung AT is licensed in 1 more country.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only Absa offers Auto, Home, Life.
  • Claims channels: only Absa offers Email, Online portal, Self service app.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Support channels: only Absa offers Community.

Our verdict on each

Absa

Absa suits South African households that want car, home, life, health, travel, pet and gadget cover from one insurer rather than separate insurers, with monthly payments available. Pet cover starts at ZAR 115, and life cover runs to a limit of R6,000,000.

Read the full Absa review

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT suits travellers who want a low entry price from an insurer rather than a broker, with premiums starting at €1.50. The trade-off is a firm built around travel, with cover set at 300,000 EUR for inpatient treatment abroad for inpatient treatment abroad and entry ending at up to 65 years of age.

Read the full HanseMerkur Reiseversicherung AT review

Score breakdown

Absa vs HanseMerkur Reiseversicherung AT
AreaAbsaHanseMerkur Reiseversicherung AT
Cost9.19.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.
Offer9.7Higher8.8
Trust9.6Higher9.5

Where they rank in our lists

Absa vs HanseMerkur Reiseversicherung AT
RankingAbsaHanseMerkur Reiseversicherung AT
Travel insurance80 of 2952 of 295
Pet insurance37 of 1671 of 167

What each covers

Absa vs HanseMerkur Reiseversicherung AT
Insurance typesAbsaHanseMerkur Reiseversicherung AT
AutoYesNo
HomeYesNo
LifeYesNo
HealthYesNo
TravelYesYes
PetYesYes
GadgetYesYes

Licences and countries

Absa vs HanseMerkur Reiseversicherung AT
CountryAbsaHanseMerkur Reiseversicherung AT
AustriaNot confirmed
GermanyNot confirmed
South AfricaNot confirmed

Additional countries for Absa: 1. Additional countries for HanseMerkur Reiseversicherung AT: 2.

What we checked

Absa

  • absa.co.za: 12 facts, checked September 26, 2026

HanseMerkur Reiseversicherung AT

  • hansemerkur.at: 10 facts, checked September 26, 2026

Every fact side by side

Absa vs HanseMerkur Reiseversicherung AT
FactAbsaHanseMerkur Reiseversicherung AT
AudienceSeniorsNot confirmed
Pricing modelMonthlyNot confirmed
Legal entityAbsa Bank LimitedHanseMerkur Reiseversicherung AG
HeadquartersSouth AfricaGermany
FoundedNot confirmed1977
Support channelsEmail, Phone, Help centre, CommunityCovers morePhone, Email, Help centre

Pros and cons

Absa

Pros

  • One insurer holds auto, home and life, so several personal lines sit in the same place.
  • Monthly payments are available, and monthly is the payment model on pet cover.
  • Support runs on email, phone and help centre, and claims start on phone, email and online portal.

Cons

  • The starting premium of ZAR 115 is a pet figure, so it does not set the price of a car or home policy.
  • Cost scores 5.6 out of ten and the premium ranks 107 of 252 brands, so the price signal sits mid-table.
  • Support runs on email, phone and help centre with no live chat listed, while claims add phone, email and online portal.

HanseMerkur Reiseversicherung AT

Pros

  • Entry premiums start at €1.50, under the €8.37 recorded across the site.
  • The company is an insurer, so HanseMerkur Reiseversicherung AG carries the risk on travel, pet and gadget cover and settles its own claims.
  • Support runs on phone, email and help centre, and claims can be opened on online form and phone, so a call or a form covers both.

Cons

  • Inpatient treatment abroad is capped at 300,000 EUR for inpatient treatment abroad, so a long stay or a private room runs into your own pocket.
  • Eligibility ends at up to 65 years of age, which closes the policy for older travellers.
  • Claims start on online form and phone, with no written claims address given.

Who each suits

Absa

Who it suits

  • Households in ZA wanting several personal lines with one insurer rather than separate ones.
  • Seniors, listed under seniors, and families with young children, since travel cover runs for ages 3 months to 89 years.
  • Pet owners paying monthly, as monthly payments are available and pet cover starts at ZAR 115.

Who should look elsewhere

  • Readers shopping on the starting price alone, since bunq lists €0 and Euroasia Insurance quotes UZS 60,000.
  • Buyers after renters or motorcycle cover, which Good Sam Insurance Agency lists in auto, home and renters.

HanseMerkur Reiseversicherung AT

Who it suits

  • Travellers buying a single trip policy who want the cover handled by the insurer rather than a broker
  • Households that want travel and pet cover from the same group
  • People who would rather report a claim by phone or on an online form

Who should look elsewhere

  • Travellers past up to 65 years of age, who will find the entry age closed and need another provider
  • Drivers, renters or life buyers: Good Sam Insurance Agency lists auto, home and renters
  • Shoppers shopping the Swiss market, where bonus.ch opens at CHF 0

Current offers

Absa

Current offer

  • Bonus

    Get your first three Life Cover premiums back after six months: First three Life Cover premiums refunded

    If you are an Absa Transactional Banking customer registered for Digital Banking. Subject to terms and conditions.

    Source, checked September 26, 2026

  • Bonus

    Eyenu Nonke Funeral Plan: Funeral cover of up to R30 000 for you, your spouse and immediate family members

    Source, checked September 26, 2026

  • Discount code

    Get up to 40% of your motor premiums back for driving well: Up to 40% of motor premiums returned

    Source, checked September 26, 2026

Country by country

Absa vs HanseMerkur Reiseversicherung AT
CountryAbsaHanseMerkur Reiseversicherung AT
AustriaNoYes
GermanyNoYes
South AfricaYesNo

Questions about each

Absa

How much does Absa insurance cost?+

The published starting premium is ZAR 115, and it applies to pet insurance. Monthly payments are available, so that figure can be spread through the year rather than paid in one sum. Every other line is quoted per policy.

Which kinds of insurance does Absa offer?+

Absa is an insurer, and its auto, home and life list covers car, home, life, health, travel, pet and gadget. Car cover is sold as comprehensive car insurance, so the personal lines can sit with one company instead of several.

HanseMerkur Reiseversicherung AT

What does a HanseMerkur policy start at?+

Entry premiums run from €1.50 for the travel line, and pet and gadget cover sit in the same group. Across the site the typical entry premium is €8.37, while the travel ranking sits at €7.93, so the opening price is low in both.

Who regulates HanseMerkur Reiseversicherung AT?+

It is an insurer, supervised in Austria by FMA Finanzmarktaufsicht and in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Because the cover is underwritten by the insurer rather than arranged through a broker, the premium goes to the firm that carries the risk.

Other options to compare

Other matchups

Absa

Absa

Higher score in this comparison

9.4/10See alternatives

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