HanseMerkur review
Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 28, 2026
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Our verdict
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.
Key facts
- Best for
- Households wanting auto, health, travel, pet and dental cover from a direct insurer.
- Premium from
- €3.36 (Source, checked September 28, 2026)
- Insurance types
- Auto, Dental, Health, Pet, Travel (Source, checked September 28, 2026)
- Provider type
- Insurer (Source, checked September 28, 2026)
- Monthly payments
- Yes (Source, checked September 28, 2026)
- Excess from
- €150 (Source, checked September 28, 2026)
- Claims channels
- Online (Source, checked September 28, 2026)
- Legal entity
- HanseMerkur Krankenversicherung auf Gegenseitigkeit (Source, checked September 28, 2026)
- Headquarters
- Germany (Source, checked September 28, 2026)
- Founded
- 1875 (Source, checked September 28, 2026)
- Support channels
- Email, Help-centre, Phone (Source, checked September 28, 2026)
- Pricing model
- Monthly
- Official website
- hansemerkur.de
Business insurance
- Provider type
- Insurer (Source, checked September 28, 2026)
- Premium from
- €3.36 (Source, checked September 28, 2026)
- Excess from
- €150 (Source, checked September 28, 2026)
- Monthly payments
- Yes (Source, checked September 28, 2026)
- Legal entity
- HanseMerkur Krankenversicherung auf Gegenseitigkeit (Source, checked September 28, 2026)
- Headquarters
- Germany (Source, checked September 28, 2026)
- Founded
- 1875 (Source, checked September 28, 2026)
- Support channels
- Email, Help-centre, Phone (Source, checked September 28, 2026)
Pros and cons
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.
- Support includes phone alongside email and help centre through email, help centre and phone.
- Starting premium at €3.36 sits below andsafe at €3.63 for entry comparison.
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.
- Listed premium at €3.36 sits above die Bayerische at €2.09 for entry pricing.
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.
Regulation
HanseMerkur operates as insurer. That status means the business carries insurer responsibilities for policy wording, premium handling, servicing and settlement decisions, rather than acting as an intermediary that places risk elsewhere. For readers, direct insurer placement clarifies where contractual responsibility rests when cover is arranged, altered, renewed or cancelled. It also shapes expectations around documentation, because terms, endorsements and notices come from the carrier itself. Readers comparing personal lines can use that positioning to assess accountability, continuity and administrative clarity.
Safety and regulation
Safety and regulation discussion rests on placement as insurer. Insurer status provides a clear contractual counterparty for protection, servicing and claims settlement, which helps readers understand who administers the policy throughout its life. It also means queries about eligibility, exclusions, renewals and complaints are directed to the carrier responsible for the wording. Readers should still read product documents closely, compare limits and exclusions across alternatives, and confirm how servicing and settlement duties are described in the terms before arranging cover.
What cover costs
Listed premium for HanseMerkur sits at €3.36, which provides an entry signal rather than a guaranteed quote because actual pricing reflects cover chosen, risk details and underwriting terms. Excess sits at €150, meaning eligible claims include that policyholder share before insurer payment applies, so readers should weigh lower premiums against higher out of pocket cost at claim time. Monthly payments are available, which allows annual cost to be spread into instalments, while the billing model is shown through monthly structure. Readers should confirm instalment conditions, whether payment frequency changes total cost, and how excess varies across auto, dental, health, pet and travel options.
How HanseMerkur compares
HanseMerkur vs HelloSafe (Atlas)9.3 vs 8.6
HanseMerkur vs Income Insurance9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
HanseMerkur vs KS Auxilia9.3 vs 9.4
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 9.4
9.3 vs 8.9
9.3 vs 8.9
HanseMerkur vs Explorer Travel Insurance9.3 vs 8.9
9.3 vs 9.3- 9.3 vs 9.3
9.3 vs 9.3Max Life Insurance
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2- 9.3 vs 9.1
9.3 vs 9.1
HanseMerkur vs Getsafe9.3 vs 9.1
9.3 vs 9.1
HanseMerkur vs WAS Insurance9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.8
HanseMerkur vs MoneyHero9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.6- 9.3 vs 8.4
- 9.3 vs 8.2
AXA BE
Insify IE
Where HanseMerkur is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 28, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
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.
Can cover be paid monthly?+
Yes, monthly payments are available, and the billing model is listed as monthly. Monthly payment helps spread annual cost across the year in manageable instalments. Readers should confirm whether instalment terms, fees or interest apply and whether annual payment changes the total.
Which types of cover does HanseMerkur provide?+
HanseMerkur lists cover across auto, dental and health, namely auto, dental, health, pet and travel. That breadth suits households seeking several personal lines from direct management. Readers should review limits, exclusions, waiting terms and optional extensions for the product they need.
How can policyholders contact HanseMerkur for help?+
Support is provided through email, help centre and phone, covering email, help centre and phone contact. Those routes suit readers who prefer documented queries or direct discussion. Readers should verify service hours, response times and whether product advice, claims help and technical support use separate contact routes.
How are claims submitted to HanseMerkur?+
Claims are handled through online. An online route allows submission outside office hours and keeps documents in digital form. Readers should check what evidence is required, how progress updates are supplied and which claims may still need phone follow up.
Is HanseMerkur an insurer or a broker?+
HanseMerkur operates as insurer, meaning cover is issued directly rather than arranged through brokerage. Direct insurer placement can simplify accountability for policy wording, servicing and claims decisions. Readers should still compare cover limits, exclusions, excess terms and service standards before purchase.
What background should readers know about HanseMerkur?+
HanseMerkur traces its history to 1875 and is based in Germany under the legal entity HanseMerkur Krankenversicherung auf Gegenseitigkeit stated in its own short words. Longevity and domestic domicile may reassure readers valuing continuity. Readers should still assess current product terms, pricing and service quality.
Sources
- hansemerkur.de/hansemerkur/150-jahre checked September 28, 2026
Backs: Founded
“Seit 1875 begleitet die HanseMerkur”
- hansemerkur.de checked September 28, 2026
Backs: Claims channels, Insurance types
“Report a claim online”
- hansemerkur.de/hundeversicherung checked September 28, 2026
Backs: Provider type, Excess from, Pricing model, Monthly payments, Premium from
“HanseMerkur offers insurance products including dog liability insurance and pet health insurance.”
- hansemerkur.de/impressum checked September 28, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“Siegfried-Wedells-Platz 1, 20354 Hamburg”
Compiled from 4 source pages, checked September 28, 2026. We did not open an account.
Related by the facts
HanseMerkur
Households wanting auto, health, travel, pet and dental cover from a direct insurer.