Updated September 29, 2026 · AssureCue Editorial Team
Getsafe vs HanseMerkur
Getsafe vs HanseMerkur: the differences
| Compare |  Getsafe |  HanseMerkur |
|---|---|---|
| Premium from | €2.90Lower | €3.36 |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Auto, Dental, Health, Pet, Travel |
| Provider type | Broker | Insurer |
| Excess from | €0Lower | €150 |
| Claims channels | App, Phone, Chat | Online |
| Cover limit | Up to 4x the official German vet fee rate | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- HanseMerkur scores higher overall: 9.3 vs 9.1.
- Founded is lower at HanseMerkur: 1875 vs 2015.
- Getsafe is available in 1 more country.
- Premium from is lower at Getsafe: €2.90 vs €3.36.
- Excess from is lower at Getsafe: €0 vs €150.
- Insurance types: only Getsafe offers Home, Life, Income protection.
- Insurance types: only HanseMerkur offers Auto.
- Claims channels: only Getsafe offers App, Phone, Chat.
- Claims channels: only HanseMerkur offers Online.
- Support channels: only Getsafe offers Chat.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
HanseMerkur
HanseMerkur suits households seeking cover for auto, dental, health, pet and travel under direct insurer management with monthly payments available, while listed premiums sit at €3.36 with excess at €150. Support spans email, help centre and phone and claims run through online for straightforward administration.
Score breakdown
| Area | Getsafe | HanseMerkur |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. | 9.0Listed premium sits at €3.36 with monthly payments available. |
| Offer | 9.5Higher | 8.8Cover spans auto, dental and health with claims through online. |
| Trust | 8.6 | 9.8HigherDirect placement as insurer with support through email, help centre and phone. |
Licences and countries
| Country | Getsafe | HanseMerkur |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
Available in 1 country for both. Additional countries for Getsafe: 1.
What each covers
| Insurance types | Getsafe | HanseMerkur |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Dental | Yes | Yes |
| Income protection | Yes | No |
How they place
| Ranking | Getsafe | HanseMerkur |
|---|---|---|
| Health insurance | 18 of 215 | 2 of 215 |
| Travel insurance | 26 of 291 | 3 of 291 |
| Pet insurance | 11 of 161 | 2 of 161 |
| Dental insurance | 8 of 50 | 1 of 50 |
Every fact side by side
| Fact | Getsafe | HanseMerkur |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Getsafe Digital GmbH | HanseMerkur Krankenversicherung auf Gegenseitigkeit |
| Headquarters | Germany | Germany |
| Founded | 2015 | 1875Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Help centre, Phone |
Where each stands against the rest
| Fact | Getsafe | HanseMerkur | Median |
|---|---|---|---|
| Premium from | €2.90below the median | €3.36below the median | €5.97 |
| Excess from | €0below the median | €150above the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
HanseMerkur
Pros
- Operates as insurer, so cover, servicing and claims sit under direct management.
- Lists cover across auto, dental and health, including auto, health, travel, pet and dental in a single portfolio.
- Monthly payments are available, with billing model shown as monthly for budgeting flexibility.
Cons
- Excess sits at €150, which adds upfront cost on eligible claims.
- Claims run through online only, which limits how claims can be started.
- Support runs through email, help centre and phone only, without live chat for urgent queries.
Who each suits
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
HanseMerkur
Who it suits
- Households seeking several personal lines together, with cover across auto, dental and health.
- Readers who value direct insurer management, as HanseMerkur operates as insurer.
- Budget planners wanting instalments, since monthly payments are available under monthly.
Who should look elsewhere
- Readers wanting live chat support may prefer checking andsafe, since HanseMerkur support runs through email, help centre and phone only.
- Readers seeking cover outside auto, dental, health, pet and travel may look at Hiscox, as HanseMerkur lists auto, dental and health.
Country by country
| Country | Getsafe | HanseMerkur |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
HanseMerkur
What is the starting premium at HanseMerkur?+
Listed premium for HanseMerkur sits at €3.36. Actual pricing varies by cover type, excess selected, personal details and underwriting terms, so readers should obtain a tailored quote for auto, health, travel, pet or dental cover before comparing.
What excess applies to HanseMerkur cover?+
Excess at HanseMerkur sits at €150. The excess shapes claim costs because policyholders meet that share before insurer payment applies. Readers should check which claims carry excess, whether options differ by product and how excess affects renewal pricing.
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