Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs HanseMerkur Reiseversicherung AT
CHECK24
HanseMerkur Reiseversicherung AT
Higher score in this comparison
CHECK24 vs HanseMerkur Reiseversicherung AT: the differences
| Compare | CHECK24ReviewVisitVisit | HanseMerkur Reiseversicherung ATReviewVisitVisit |
|---|---|---|
| Premium from | €0.69Lower | €1.50 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Travel, Pet, Gadget |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 300,000 EUR for inpatient treatment abroad |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online form, Phone |
| Age range | Not confirmed | up to 65 years of age |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
- Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 1999.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- CHECK24 is available in 1 more country.
- Premium from is lower at CHECK24: €0.69 vs €1.50.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form, Phone.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT suits travellers and pet owners who want one insurer for travel, pet and gadget cover, with premiums from €1.50. Support runs on phone, email and help centre, and it is an insurer rather than a broker, so cover sits with the company that sets the terms.
Score breakdown
| Area | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.8Origination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.8Premiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. |
| Offer | 9.6Higher | 8.8 |
| Trust | 8.6 | 9.5Higher |
Where these facts come from
CHECK24
- check24.de: 10 facts, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance | 17 of 627 | 4 of 627 |
| Travel insurance | 9 of 278 | 2 of 278 |
| Pet insurance | 4 of 157 | 1 of 157 |
Every fact side by side
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1977Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Loans
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €1.50lowest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
HanseMerkur Reiseversicherung AT
Pros
- Premiums start at €1.50, well under the site median of €8.31 and the insurance ranking median of €7.95.
- It is an insurer, not a broker, so insurer means the cover and the claims are handled by the same company.
- One insurer covers travel, pet and gadget, so you can hold travel, pet and gadget policies in the same place.
Cons
- Entry is capped by age, at up to 65 years of age for the overseas health cover, so older travellers may be priced or turned away.
- Cover is limited to the categories listed in travel, pet and gadget, which do not include motor, home or life policies.
- A single competitor keeps its headline entry at €25, far above €1.50, though that figure is a savings product, not a policy.
Who each suits
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
HanseMerkur Reiseversicherung AT
Who it suits
- Travellers buying a single-trip or annual policy who want an insurer behind the wording rather than a comparison site.
- Pet owners who want gadget and travel cover from the same insurer.
- Anyone who wants a low entry price and will deal with phone, email and help centre when something goes wrong.
Who should look elsewhere
- Anyone past the up to 65 years of age entry point for overseas health cover.
- If you need motor, home or life cover, since travel, pet and gadget does not list them.
- If you want to raise a claim only in an app, because online form and phone covers online form and phone.
Country by country
| Country | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Spain | Yes | No |
| Austria | Yes | Yes |
| Germany | Yes | Yes |
Questions about each
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
HanseMerkur Reiseversicherung AT
How much does a policy cost?+
Premiums start at €1.50 on the entry-level overseas health cover. That sits below the site median of €8.31 and the insurance ranking median of €7.95, so it is a low bar to enter. Trip length, destination and age shape the real price.
Who is behind the cover?+
You are contracting with an insurer, insurer, rather than a broker or a comparison site. The named company is HanseMerkur Reiseversicherung AG, based in Germany and trading since 1977. That means the terms, the claims handling and the payout all come from the same firm.
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