Updated September 28, 2026 · SumCue Editorial Team
die Bayerische vs HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT
die Bayerische
Higher score in this comparison
die Bayerische vs HanseMerkur Reiseversicherung AT: the differences
| Compare | die BayerischeReviewSee alternativesSee alternatives | HanseMerkur Reiseversicherung ATReviewVisitVisit |
|---|---|---|
| Premium from | €2.09 | €1.50Lower |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Travel, Pet, Gadget |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online, Post, Phone | Online form, Phone |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 to €35 | Not confirmed |
| Age range | Not confirmed | up to 65 years of age |
Same on both: Provider type (Insurer).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.4.
- Founded is lower at die Bayerische: 1858 vs 1977.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €2.09.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Online, Post.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only die Bayerische offers Chat.
Our verdict on each
die Bayerische
die Bayerische suits German households who want several kinds of cover from one insurer and would rather pay a small monthly premium than an annual one. Premiums start at €2.09 and the monthly model keeps cash flow predictable.
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 | die Bayerische | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.4Premiums start at €2.09 on a monthly model, below the €8.31 site median. | 9.8HigherPremiums 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 | 9.7Higher | 9.5 |
Pick die Bayerische if, pick HanseMerkur Reiseversicherung AT if
Pick die Bayerische if offer and insurance types matter most.
Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.
Availability and regulation
| Country | die Bayerische | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | ||
| Austria | Not confirmed |
Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1.
Where these facts come from
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | die Bayerische | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance | 59 of 627 | 4 of 627 |
| Travel insurance | 38 of 278 | 2 of 278 |
| Pet insurance | 12 of 157 | 1 of 157 |
Every fact side by side
| Fact | die Bayerische | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1858Lower | 1977 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | die Bayerische | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €1.50lowest quarter | €6.02 |
| Excess from | €0 to €35below the median | Not confirmed | €70 |
Median across 116 listed providers.
Pros and cons
die Bayerische
Pros
- Premiums start at €2.09, below the €8.31 site median
- Cover spans auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover
- Monthly payments are available, and monthly is the only payment model listed
Cons
- Claims can only be filed through online, post and phone, so no branch or in person route is listed
- The excess on the phone cover policy runs €0 to €35
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
die Bayerische
Who it suits
- Households bundling several insurance types under one provider
- Drivers, riders and pet owners wanting monthly premiums rather than annual payments
- People who prefer contacting support by phone
Who should look elsewhere
- Anyone wanting to file a claim in person, since claims run on online, post and phone
- Shoppers wanting a broader set of protection products such as income protection portfolios
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.
Current offers
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | Yes |
Questions about each
die Bayerische
What does die Bayerische cover?+
Its listed insurance types include auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover. That spread lets a household hold several policies with one insurer, and the group operates as an insurer, so policies sit with the company rather than a broker.
How much is the cheapest premium?+
Premiums start at €2.09, which is well under the €8.31 median premium across the site. The figure comes from the phone liability cover, so other policies such as motor, home or life cover sit at different price points.
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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HanseMerkur Reiseversicherung AT
die Bayerische