Updated September 29, 2026 · AssureCue Editorial Team
CosmosDirekt vs HelloSafe (Atlas)
What sets them apart
| Compare |  CosmosDirekt |  HelloSafe (Atlas) |
|---|---|---|
| Premium from | €1.73Lower | €9 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | Online, Phone | Phone, Email, Chat |
| Age range | up to 64 years | All ages, every nationality |
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at CosmosDirekt: €1.73 vs €9.
- Monthly payments: only CosmosDirekt.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only HelloSafe (Atlas) offers Email, Chat.
Our verdict on each
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Score breakdown
| Area | CosmosDirekt | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.4HigherEntry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. |
| Offer | 9.1Higher | 8.9Cover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. |
| Trust | 9.6Higher | 8.5Broker model disclosed as broker with ORIAS registration 21008038. |
Positions in our rankings
| Ranking | CosmosDirekt | HelloSafe (Atlas) |
|---|---|---|
| Travel insurance | 9 of 291 | 7 of 291 |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €1.73 for CosmosDirekt and €9 for HelloSafe (Atlas).
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | CosmosDirekt | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | CosmosDirekt | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €9above the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
Who each suits
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
Questions about each
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
Other options to compare
CosmosDirekt vs Income InsuranceHelloSafe (Atlas) vs Income Insurance
CosmosDirekt vs MyPhysicianPlanHelloSafe (Atlas) vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
CosmosDirekt vs HanseMerkur Reiseversicherung ATHelloSafe (Atlas) vs HanseMerkur Reiseversicherung AT
CosmosDirekt vs MSIG Insurance (Thailand)HelloSafe (Atlas) vs MSIG Insurance (Thailand)
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