Updated September 29, 2026 · AssureCue Editorial Team
HelloSafe (Atlas) vs Old Mutual
Where HelloSafe (Atlas) and Old Mutual differ
| Compare |  HelloSafe (Atlas) |  Old Mutual |
|---|---|---|
| Insurance types | Travel | Auto, Home, Life, Health, Travel, GadgetCovers more |
| Provider type | Broker | Insurer |
| Monthly payments | No | YesHas it |
| Cover limit | Emergency medical expenses EUR 500,000 - 2,500,000 | R70 000 |
| Claims channels | Phone, Email, Chat | Web, WhatsApp, USSD, Email, Phone |
| Premium from | €9 | Not confirmed |
| Age range | All ages, every nationality | Not confirmed |
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Key differences
- Old Mutual scores higher overall: 9.5 vs 8.6.
- HelloSafe (Atlas) is available in 16 more countries.
- Monthly payments: only Old Mutual.
- Insurance types: only Old Mutual offers Auto, Home, Life.
- Claims channels: only HelloSafe (Atlas) offers Chat.
- Claims channels: only Old Mutual offers Web, WhatsApp, USSD.
Our verdict on each
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.
Old Mutual
Old Mutual suits people seeking several personal insurance categories from an insurer, with monthly payments and a broad support mix. The funeral policy shown includes cover of R70 000, giving customers a clear reference point for that specific product.
Score breakdown
| Area | HelloSafe (Atlas) | Old Mutual |
|---|---|---|
| Cost | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. | 9.1Higher |
| Offer | 8.9Cover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. | 9.5Higher |
| Trust | 8.5Broker model disclosed as broker with ORIAS registration 21008038. | 9.8Higher |
How they place
| Ranking | HelloSafe (Atlas) | Old Mutual |
|---|---|---|
| Travel insurance | 7 of 295 | 78 of 295 |
Availability and regulation
| Country | HelloSafe (Atlas) | Old Mutual |
|---|---|---|
| France | ORIAS 21008038 | Not confirmed |
Additional countries for HelloSafe (Atlas): 28. Additional countries for Old Mutual: 12.
Sources behind this comparison
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
Old Mutual
- oldmutual.co.za: 7 facts, checked September 26, 2026
- oldmutual.com: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | HelloSafe (Atlas) | Old Mutual |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | Old Mutual Limited |
| Headquarters | Not confirmed | South Africa |
| Founded | Not confirmed | 1845 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | HelloSafe (Atlas) | Old Mutual | Median |
|---|---|---|---|
| Premium from | €9above the median | Not confirmed | €6.15 |
Median across 114 listed insurance providers.
Pros and cons
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
Old Mutual
Pros
- Offers auto, home, life, health, travel and gadget insurance under one insurer: auto, home and life.
- Monthly payments are available: monthly.
- Support runs through phone, email and help centre.
Cons
- Business insurance sits outside the stated personal insurance range in auto, home and life.
- Support is limited to phone, email and help centre.
Who each suits
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
Old Mutual
Who it suits
- People covering a car, home, life, health, travel or gadget.
- Customers who prefer monthly payments.
- Customers who want phone and email support.
Who should look elsewhere
- Euroasia Insurance may suit people focused on auto, home and travel.
- Hiscox UK may suit people seeking home, renters and landlord.
- Good Sam Insurance Agency may suit people seeking auto, home and renters.
Current offers
Old Mutual
Current offer
Bonus
Old Mutual Rewards Win on Repeat: Over R3 million in prizes; Grand Prize worth R100 000 in Rewards points
Spend at least R30 twice a week, maintain your streak, Open Mutual customer; T&Cs apply
Source, checked September 26, 2026
Country by country
| Country | HelloSafe (Atlas) | Old Mutual |
|---|---|---|
| Botswana | No | Yes |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| China | No | Yes |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
8 of 40 countries where either is available.
Questions about each
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.
Old Mutual
What types of personal insurance does Old Mutual offer?+
Old Mutual offers auto, home and life. This gives customers a choice of major personal protection categories from the same insurer, although the exact policy terms would depend on the selected cover.
Can insurance be paid for monthly?+
Yes. Monthly payments are available, and the stated payment model is monthly. This can help customers spread the cost of the relevant policy over the year rather than handling it as a single payment.
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