Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur vs MoneyHero
HanseMerkur vs MoneyHero: the differences
| Compare |  HanseMerkur |  MoneyHero |
|---|---|---|
| Premium from | €3.36 | HK$89.49 |
| Insurance types | Auto, Dental, Health, Pet, Travel | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Excess from | €150 | HK$2,500 |
| Cover limit | Not confirmed | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Claims channels | Online | Not confirmed |
| Age range | Not confirmed | No upper age limit on single-trip travel plans |
Same on both: Monthly payments (Yes).
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Key differences
- HanseMerkur scores higher overall: 9.3 vs 8.8.
- Founded is lower at HanseMerkur: 1875 vs 2013.
- Insurance types: only HanseMerkur offers Dental.
- Insurance types: only MoneyHero offers Home, Life, Critical illness.
- Support channels: only MoneyHero offers 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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | HanseMerkur | MoneyHero |
|---|---|---|
| Cost | 9.0HigherListed premium sits at €3.36 with monthly payments available. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 8.8Cover spans auto, dental and health with claims through online. | 9.7Higher |
| Trust | 9.8HigherDirect placement as insurer with support through email, help centre and phone. | 8.3 |
Positions in our rankings
| Ranking | HanseMerkur | MoneyHero |
|---|---|---|
| Car insurance | 1 of 393 | 27 of 393 |
| Health insurance | 2 of 215 | 20 of 215 |
| Travel insurance | 3 of 291 | 34 of 291 |
| Pet insurance | 2 of 161 | 13 of 161 |
Where these facts come from
HanseMerkur
- hansemerkur.de: 11 facts, checked September 28, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | HanseMerkur | MoneyHero |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | HanseMerkur Krankenversicherung auf Gegenseitigkeit | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | Germany | Hong Kong |
| Founded | 1875Lower | 2013 |
| Support channels | Email, Help centre, Phone | Email, Phone, Help centre, ChatCovers more |
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.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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.
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
Current offers
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | HanseMerkur | MoneyHero |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | Yes |
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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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