Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs MSIG Insurance (Thailand)
What sets them apart
| Compare |  ERGO Group Deutschland |  MSIG Insurance (Thailand) |
|---|---|---|
| Premium from | €3.90 | THB 299 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Auto, Travel, Home, Health |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online, Phone | Phone, Online claims portal, Email |
| Monthly payments | Yes | Not confirmed |
| Age range | Under 36 (13% start bonus for young people) | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
- Insurance types: only ERGO Group Deutschland offers Life, Motorcycle, Dental.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal, Email.
- Support channels: only MSIG Insurance (Thailand) 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.
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 | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.0 |
| Offer | 9.1 | 9.3Higher |
| Trust | 9.6 | 9.6 |
Feature by feature
| Insurance types | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
Availability and regulation
| Country | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Not confirmed | |
| Thailand | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for MSIG Insurance (Thailand): 1.
Where they rank in our lists
| Ranking | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Car insurance | 7 of 393 | 11 of 393 |
| Home insurance | 6 of 272 | 10 of 272 |
| Health insurance | 6 of 215 | 11 of 215 |
| Travel insurance | 10 of 291 | 15 of 291 |
| Business insurance | 8 of 150 | 12 of 150 |
| Public liability insurance | 4 of 51 | 5 of 51 |
Where these facts come from
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 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
Every fact side by side
| Fact | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Germany | Thailand |
| Support channels | Email, Chat, Phone | Email, Phone, Chat, Help centreCovers more |
Business insurance
| Fact | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Cover types | Public liability, Cyber, PropertyCovers more | Public liability, Property |
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
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
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
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
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
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 | ERGO Group Deutschland | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Yes | No |
| Thailand | No | Yes |
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.
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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