Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs HanseMerkur Reiseversicherung AT
What sets them apart
| Compare |  DA Direkt |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €6.90 | €1.50Lower |
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Travel, Pet, Gadget |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online portal, Phone, Email, Chat | Online form, Phone |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | up to 65 years of age |
Same on both: Provider type (Insurer).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 9.4.
- Founded is lower at DA Direkt: 1923 vs 1977.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €6.90.
- Insurance types: only DA Direkt offers Auto, Motorcycle, Dental.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Gadget.
- Claims channels: only DA Direkt offers Online portal, Email, Chat.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only DA Direkt offers Chat.
Our verdict on each
DA Direkt
DA Direkt is a German online insurer offering several product lines. The captured material gives the clearest detail on its dental supplementary insurance, including three named tiers, reimbursement categories and network dentist features. Terms and eligibility still depend on the selected tariff and policy documents.
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.
Score breakdown
| Area | DA Direkt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.1 | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.6Higher | 8.8 |
| Trust | 9.6Higher | 9.5 |
Where they rank in our lists
| Ranking | DA Direkt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pet insurance | 4 of 167 | 1 of 167 |
Where each is licensed and available
| Country | DA Direkt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | ||
| Austria | Not confirmed |
Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1.
If neither fits
CHECK24 has premium from at €0.69, against €6.90 for DA Direkt and €1.50 for HanseMerkur Reiseversicherung AT.
CHECK24 reviewEvery fact side by side
| Fact | DA Direkt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1923Lower | 1977 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | DA Direkt | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €6.90above the median | €1.50lowest quarter | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
DA Direkt
Pros
- The dental page sets out Komfort, Premium and Premium Plus tariff choices.
- The page describes covered treatment categories and annual dental cleaning allowances.
Cons
- Reimbursement and limits vary by tariff, so the headline maximum is not a universal payout.
- The available capture does not provide every policy exclusion or a personalized premium quote.
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
DA Direkt
Who it suits
- People in Germany who want to compare supplementary dental insurance options.
Who should look elsewhere
- People who need a full policy recommendation without checking their existing statutory cover and policy terms.
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
DA Direkt
Current offer
Discount code
15% discount on car, e-car and motorcycle insurance: 15% Rabatt
Displayed on the DA Direkt homepage as an ongoing offer for Autoversicherung, Elektroauto-Versicherung and Motorradversicherung
Source, checked September 26, 2026
Country by country
| Country | DA Direkt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | Yes |
Questions about each
DA Direkt
What dental options does DA Direkt show?+
The captured product page lists Komfort, Premium and Premium Plus.
Are all dental costs reimbursed in full?+
The page advertises up to full reimbursement depending on tariff, but coverage depends on the treatment and policy conditions.
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.
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