Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs MoneyHero
What sets them apart
| Compare |  DA Direkt |  MoneyHero |
|---|---|---|
| Premium from | €6.90 | HK$89.49 |
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Excess from | Not confirmed | HK$2,500 |
| Claims channels | Online portal, Phone, Email, Chat | Not confirmed |
| Age range | Not confirmed | No upper age limit on single-trip travel plans |
Same on both: Monthly payments (Yes).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 8.8.
- Founded is lower at DA Direkt: 1923 vs 2013.
- Insurance types: only DA Direkt offers Motorcycle, Dental.
- Insurance types: only MoneyHero offers Travel, Life, Critical illness.
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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | DA Direkt | MoneyHero |
|---|---|---|
| Cost | 9.1Higher | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.6 | 9.7Higher |
| Trust | 9.6Higher | 8.3 |
Availability and regulation
| Country | DA Direkt | MoneyHero |
|---|---|---|
| Germany | Not confirmed | |
| Hong Kong | Not confirmed |
Additional countries for DA Direkt: 1. Additional countries for MoneyHero: 1.
Feature by feature
| Insurance types | DA Direkt | MoneyHero |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | No | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Critical illness | No | Yes |
Sources behind this comparison
DA Direkt
- da-direkt.de: 10 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
How they place
| Ranking | DA Direkt | MoneyHero |
|---|---|---|
| Car insurance | 5 of 375 | 32 of 375 |
| Home insurance | 4 of 273 | 26 of 273 |
| Health insurance | 5 of 216 | 22 of 216 |
| Pet insurance | 4 of 167 | 15 of 167 |
Every fact side by side
| Fact | DA Direkt | MoneyHero |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | Germany | Hong Kong |
| Founded | 1923Lower | 2013 |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Help centre, Chat |
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.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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.
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
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
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | DA Direkt | MoneyHero |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | 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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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