Updated September 28, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)
What sets them apart
| Compare |  HanseMerkur Reiseversicherung AT |  MSIG Insurance (Thailand) |
|---|---|---|
| Premium from | €1.50 | THB 299 |
| Insurance types | Travel, Pet, Gadget | Auto, Travel, Home, Health |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online form, Phone | Phone, Online claims portal, Email |
| Age range | up to 65 years of age | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Insurance types: only MSIG Insurance (Thailand) offers Auto, Home, Health.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal, Email.
- Support channels: only MSIG Insurance (Thailand) offers Chat.
Our verdict on each
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.
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 | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 9.0 |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.5 | 9.6Higher |
Where they rank in our lists
| Ranking | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Travel insurance | 2 of 291 | 15 of 291 |
What each covers
| Insurance types | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Gadget | Yes | No |
Availability and regulation
| Country | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed | |
| Thailand | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for MSIG Insurance (Thailand): 1.
Sources behind this comparison
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, 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 | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Legal entity | HanseMerkur Reiseversicherung AG | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
Business insurance
| Fact | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
Pros and cons
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.
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
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
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
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 | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Thailand | No | Yes |
Questions about each
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.
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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