Hansemerkur Insurance Review 2022 – that will be the topic of this article.
Evaluate Hansemerkur Insurance as a choice in 2022, alongside considerations from the RL360 Regular Savings Plan Review.
This article follows on from previous review articles I have conducted on the likes of Morgan Price, Regency for Expats and UniLife.
If you would like to contact me, use the WhatsApp function below or email me – advice@adamfayed.com.
Whether you are going on a weekend trip or moving to the other side of the world, you need to prepare yourself to be taken care of if you need medical attention.
This article will highlight some of the importance of personal insurance such as travel insurance and health insurance, as well as things to consider before moving or traveling abroad, and also review one of the insurance companies called HanseMerkur, which offers different services.
Personal insurance is the collective name for the different types of insurance products available to cover personal items that you may own, such as your car (auto insurance) or your home and personal property (home insurance), or your activities, such as your vacation (travel insurance).
It can also cover different variations within these categories, such as young driver insurance and convicted driver insurance or custom home insurance. Some of these products are required by law and some are optional.
For travel insurance, there are two main types of policies; One-time trip covering a single vacation, or an annual policy covering multiple trips over 365 days.
There may be restrictions on the number of trips, duration and destination of your trips, but these details should be checked with the service provider before taking out insurance.
In addition, homeowner insurance provides financial protection against natural disasters. A standard home insurance policy provides insurance for the home itself, along with the items in it.
There are a lot of personal insurance options, but in this article we will be mainly focused on travel and health insurance, which HanseMerkur Company offers to its customers. Now let’s try to figure out what company is it and what services it provides with.
Innovative products, financial sustainability and an understanding of tradition are qualities that customers and distribution partners value at HanseMerkur.
It is a financially sound, medium-sized personal insurance company and the only independent and group independent insurance in the financial center of Hamburg with operations throughout the country. As a “mutual insurance association” the company only commits itself to its clients and employees, not to shareholders or investors.
This principle guides the company’s actions, it is part of the corporate culture and is expressed in a clear relationship. The old Hanseatic principle of the noble businessman is fundamental to traditional Hanseatic insurance like HanseMerkur.
The motto “Hand in hand … HanseMerkur” reflects this self-image. It is about partnerships within the company, between employees and managers, as well as board members, as well as honest efforts towards customers.
The leading principle translates the spirit of the community into a deeply human principle, because by their words ‘with mutual support – hand in hand – everything just works better’.
For more than 40 years, HanseMerkur Reiseversicherung has been known for its quality high-class travel insurance.
In order for you to personally measure our performance and the competitiveness of our products, we encourage the regular comparison of our products with those of other insurance companies.
Over the years, HanseMerkur’s strategy has been to continually strengthen financial strength, which is extremely important for customers and participants in the personal insurance industry.
This is the only way they were able to develop into a modern national insurance group with 2,159 employees in the office and in the field, including 762 permanent agents with premium income of 1,971.1 million euros and capital investments of 8,044.7 million euros.
The company will continue the path of financial sustainability in the future for the benefit of the insured and employees in the office and in the field, and thus serve the goal of the long-term independence of the HanseMerkur Group.
The growth course of recent years has given the financial strength that allows them to develop all the main lines of business simultaneously under the management of a managing holding company with a single group structure.
By having an operating holding company that controls the group companies, they gain flexibility in raising capital, generate profitability, strengthen partnerships and make acquisitions.
The size and structure of the mid-sized company ensures that they can respond quickly and flexibly to customer and market needs.
As already mentioned, HanseMerkur company is focused on 2 main aspects, which are health and travel insurances. First of all let’s review the health insurance that the company provides.
If you have statutory health insurance and are wondering whether comprehensive private health insurance is the right decision for you, HanseMerkur will help you.
Do you want affordable and at the same time high-performance private supplementary health insurance that perfectly covers all areas that are important to you or that optimally complements your personal health care, again HanseMerkur will help you.
The company tries to satisfy your individual requirements. Below is a list of private full and supplementary health insurance:
As you can see HanseMerkur surprises in every step, you’ll get a lot of health insurance options for millions of needs, it is even impossible to list all of them, there is also private health insurance for self-employed, employees, children, servants and trainees, students, etc.
Very few people want to compromise on health, because after all, it is the most important good. Private health insurance (PKV) therefore offers you many advantages and services with which you receive optimal care:
The next great feature of the company is the travel insurance that it offers. Here the list of travel insurance options is again very big. HanseMerkur’s travel insurance has received numerous awards. So that you can experience the best time of the year carefree and carefree, they will offer you with the various insurances tailor-made solutions for your very personal protection when traveling – worldwide.
You can conveniently take out any of their travel insurance policies online and look forward to your well-deserved break without having to worry about the costs of travel cancellation or illness.
What travel insurance options are available?
As suspected HanseMerkur offers more insurance options such as wedding, seminar, ticket, visa travel, young travel, group travel insurance.
But one of the greatest things is travel cancellation insurance, which is literally the best option that HanseMerkur could think of. Protect yourself against cancellation costs with our travel cancellation insurance.
They offer you the best possible insurance cover should you have to cancel your trip. With the travel cancellation insurance you secure your booked trip before the start of your journey and with the holiday guarantee you secure a travel interruption during your vacation – worldwide.
It is worth taking out annual travel cancellation insurance for two or more trips. This can of course also be combined with the holiday guarantee at favorable conditions.
With the annual travel cancellation insurance, you can travel carefree as often as you like throughout the year. If you can’t start your trip, don’t be left with high travel cancellation costs.
By taking out travel cancellation insurance with HanseMerkur, you secure many advantages, including:
Despite of being focused on travel and health insurance wide range options, HanseMerkur also offers many more different insurance variants, which we will review now.
Accident insurance. A sudden accident can turn your life upside down in an unforeseen way. While the statutory accident insurance only covers accidents during work or school hours and on the direct way there and back, accidents in leisure time or in the household – after all, 3/4 of all accidents occur in the private sector – are not insured.
In the event of serious accidents, private accident insurance helps to compensate for loss of income or to convert living space to make it suitable for the disabled.
By taking out accident insurance with HanseMerkur, you secure many advantages. This includes:
Household insurance. When it comes to the monetary value of own home, many people first think of things like a TV, PC or jewelry. But what about your furniture, your book collection and your clothes?
Take a look around your own four walls and keep in mind that carpets, dishes and towels also cost money to buy. This quickly accumulates a large sum that makes it clear why household insurance is important.
Household contents insurance protects your own property and, in many cases of damage, reimburses the cost of replacing it. The scenarios are diverse: break-ins and robbery, fires, damage from tap water, storms and hail.
Even if HanseMerkur cannot replace personal memories for you, you can be sure to return to normal as soon as possible after a claim with the help of household insurance.
Dog-OP insurance. A dog is more than just a pet – it is a loyal companion, playmate and ensures that you are always in the fresh air. As a family member, he will go through thick and thin with you and make you laugh every day.
Despite the best care, something can always happen to your dog. An accident or an unexpected illness can quickly become a financial problem. So that you do not have to worry about money in this situation, HanseMerkur offers you dog surgery insurance side. You will not only be reimbursed for the cost of the operation up to the limit of performance, but also for treatment and accommodation after the operation.
HanseMerkur’s dog surgery insurance can impress with its comprehensive range of services:
HanseMerkur is a great nationwide insurance company, which can offer you so many options for your glasses, for your pet and for your house. This is a great service, with a very big and professional team, which is ready to insure your security in any life case.
Conclusion
HanseMerkur aren’t a bad option in the market, depending on your needs.
There are superior options out there but this isn’t the worst option, by any means, in the market.
Further Reading
Is there a reason why everybody can’t be a millionaire? Most people assume that getting there is an impossible task, but is that true?
This article answers that question in more detail.