Updated October 17, 2026 · AssureCue Editorial Team
DA Direkt vs MSIG Insurance (Thailand)
Where DA Direkt and MSIG Insurance (Thailand) differ
| Compare |  DA Direkt |  MSIG Insurance (Thailand) |
|---|---|---|
| Premium from | €6.90 | THB 299 |
| Insurance types | Auto, Motorcycle, Dental, Health, Pet, Home | Auto, Travel, Home, Health |
| Cover limit | Dental tariff scale: max EUR 6,000 in first 4 years (Premium Plus), unlimited from year 5 | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online portal, Phone, Email, Chat | Phone, Online claims portal, Email |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- DA Direkt scores higher overall: 9.5 vs 9.3.
- Insurance types: only DA Direkt offers Motorcycle, Dental, Pet.
- Insurance types: only MSIG Insurance (Thailand) offers Travel.
- Claims channels: only DA Direkt offers Online portal, Chat.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
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.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) is an insurer selling auto, travel, home and health cover in Thailand, regulated by the Office of Insurance Commission. It suits households and small businesses that want one provider across personal and business lines, though premium starts at THB 299 and the cost score sits at 5.2.
Score breakdown
| Area | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.1Higher | 9.0 |
| Offer | 9.6Higher | 9.3 |
| Trust | 9.6 | 9.6 |
Where each is licensed and available
| Country | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Not confirmed | |
| Thailand | Not confirmed |
Additional countries for DA Direkt: 1. Additional countries for MSIG Insurance (Thailand): 1.
Where these facts come from
DA Direkt
- da-direkt.de: 10 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
How they place
| Ranking | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Car insurance | 5 of 375 | 11 of 375 |
| Home insurance | 4 of 273 | 10 of 273 |
| Health insurance | 5 of 216 | 11 of 216 |
Every fact side by side
| Fact | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | DA Deutsche Allgemeine Versicherung Aktiengesellschaft (Amtsgericht Frankfurt am Main HRB 112118) | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1923 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
Business insurance
| Fact | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
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.
MSIG Insurance (Thailand)
Pros
- One insurer across both sides: personal cover of auto, travel and home and business cover of public liability and property.
- Support runs on email, phone and chat, and claims come in through phone, online claims portal and email.
- Regulated in Thailand by the Office of Insurance Commission, so the policy is written with the named insurer.
Cons
- Personal cover runs to auto, travel and home, with no life, pet or motorcycle line listed.
- Support is limited to email, phone and chat, with no branch service listed.
- The single published entry price, THB 299, belongs to one seasonal disease plan, so quotes for other lines are not shown.
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.
MSIG Insurance (Thailand)
Who it suits
- Thai households bundling auto, travel, home and health under one policy provider.
- Small businesses needing public liability or property cover next to personal policies.
- Shoppers who want a locally regulated insurer, since TH is the home market.
Who should look elsewhere
- Shoppers chasing a free entry point: bunq lists a premium from of €0.
- Anyone after life, pet or motorcycle cover: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing Euroasia Insurance's UZS 60,000 with MSIG's, since the two sit in different markets.
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
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | DA Direkt | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Yes | No |
| Thailand | 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.
MSIG Insurance (Thailand)
What kinds of cover does MSIG Insurance (Thailand) sell?+
Personal cover runs to auto, travel and home, so auto, travel, home and health sit with the same insurer. Business cover runs to public liability and property, giving trading companies public liability and property policies without opening a second relationship.
Who regulates MSIG Insurance (Thailand)?+
MSIG Insurance (Thailand) Public Company Limited is an insurer headquartered in Thailand, and the Office of Insurance Commission regulates it there. Buying from a licensed insurer means the contract is with the company named on the policy rather than an intermediary.
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