Updated September 28, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT

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

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

What sets them apart

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
Premium from€3.90€1.50Lower
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionTravel, Pet, Gadget
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)300,000 EUR for inpatient treatment abroad
Claims channelsOnline, PhoneOnline form, Phone
Age rangeUnder 36 (13% start bonus for young people)up 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.
  • Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €3.90.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Support channels: only ERGO Group Deutschland offers Chat.
  • Support channels: only HanseMerkur Reiseversicherung AT offers Help centre.

Our verdict on each

ERGO Group Deutschland

ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.

Read the full ERGO Group Deutschland 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

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
AreaERGO Group DeutschlandHanseMerkur Reiseversicherung AT
Cost9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.
Offer9.1Higher8.8
Trust9.6Higher9.5

Positions in our rankings

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
RankingERGO Group DeutschlandHanseMerkur Reiseversicherung AT
Travel insurance10 of 2912 of 291

Which one suits you

Pick ERGO Group Deutschland if offer matter most.

Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.

A third option

CHECK24 has premium from at €0.69, against €3.90 for ERGO Group Deutschland and €1.50 for HanseMerkur Reiseversicherung AT.

CHECK24 review

Where these facts come from

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

HanseMerkur Reiseversicherung AT

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

Every fact side by side

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
FactERGO Group DeutschlandHanseMerkur Reiseversicherung AT
Pricing modelMonthlyNot confirmed
Legal entityERGO Group AGHanseMerkur Reiseversicherung AG
HeadquartersGermanyGermany
FoundedNot confirmed1977
Support channelsEmail, Chat, PhonePhone, Email, Help centre

Business insurance

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
FactERGO Group DeutschlandHanseMerkur Reiseversicherung AT
Cover typesPublic liability, Cyber, PropertyNot confirmed

Where each stands against the rest

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
FactERGO Group DeutschlandHanseMerkur Reiseversicherung ATMedian
Premium from€3.90below the median€1.50lowest quarter€5.97

Median across 109 listed insurance providers.

Pros and cons

ERGO Group Deutschland

Pros

  • Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
  • Monthly payments are available, so the cost spreads across the year rather than landing in one bill
  • Support runs on email, chat and phone, so you can reach a person on chat, email or phone

Cons

  • The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
  • The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
  • Support runs on email, chat and phone only, with no branch or broker option listed

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

ERGO Group Deutschland

Who it suits

  • Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
  • Renters or flat owners who want monthly payments instead of a single annual bill
  • Small businesses that need public liability, cyber or property cover alongside personal lines

Who should look elsewhere

  • Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
  • People wanting pet or renters insurance, as neither appears in auto, home and life
  • Anyone who wants branch or in person service, since support runs on email, chat and phone only

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

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
CountryERGO Group DeutschlandHanseMerkur Reiseversicherung AT
AustriaNoYes
GermanyYesYes

Questions about each

ERGO Group Deutschland

What does ERGO Group Deutschland cost to start with?+

The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.

Can I pay monthly instead of in one payment?+

Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.

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

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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