Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur vs HelloSafe (Atlas)
HanseMerkur vs HelloSafe (Atlas): the differences
| Compare |  HanseMerkur |  HelloSafe (Atlas) |
|---|---|---|
| Premium from | €3.36Lower | €9 |
| Insurance types | Auto, Dental, Health, Pet, TravelCovers more | Travel |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Claims channels | Online | Phone, Email, Chat |
| Excess from | €150 | Not confirmed |
| Cover limit | Not confirmed | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Age range | Not confirmed | All ages, every nationality |
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Key differences
- HanseMerkur scores higher overall: 9.3 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at HanseMerkur: €3.36 vs €9.
- Monthly payments: only HanseMerkur.
- Insurance types: only HanseMerkur offers Auto, Dental, Health.
- Claims channels: only HanseMerkur offers Online.
- Claims channels: only HelloSafe (Atlas) offers Phone, Email, Chat.
Our verdict on each
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.
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Score breakdown
| Area | HanseMerkur | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.0HigherListed premium sits at €3.36 with monthly payments available. | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. |
| Offer | 8.8Cover spans auto, dental and health with claims through online. | 8.9HigherCover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. |
| Trust | 9.8HigherDirect placement as insurer with support through email, help centre and phone. | 8.5Broker model disclosed as broker with ORIAS registration 21008038. |
Availability and regulation
| Country | HanseMerkur | HelloSafe (Atlas) |
|---|---|---|
| France | Not confirmed | ORIAS 21008038 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for HelloSafe (Atlas): 27.
Where they rank in our lists
| Ranking | HanseMerkur | HelloSafe (Atlas) |
|---|---|---|
| Travel insurance | 3 of 291 | 7 of 291 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.36 for HanseMerkur and €9 for HelloSafe (Atlas).
HanseMerkur Reiseversicherung AT reviewWhat we checked
HanseMerkur
- hansemerkur.de: 11 facts, checked September 28, 2026
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
Every fact side by side
| Fact | HanseMerkur | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | HanseMerkur Krankenversicherung auf Gegenseitigkeit | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1875 | Not confirmed |
| Support channels | Email, Help centre, Phone | Not confirmed |
Where each stands against the rest
| Fact | HanseMerkur | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €3.36below the median | €9above the median | €5.97 |
| Excess from | €150above the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
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.
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
Who each suits
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.
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
Country by country
| Country | HanseMerkur | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
Questions about each
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.
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
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