Updated September 29, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs Linxea
HanseMerkur Reiseversicherung AT
Higher score in this comparison
Linxea
Where HanseMerkur Reiseversicherung AT and Linxea differ
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Premium from | €1.50Lower | €25 |
| Insurance types | Travel, Pet, Gadget | Life |
| Provider type | Insurer | Broker |
| Claims channels | Online form, Phone | Phone, Email, Post |
| Age range | up to 65 years of age | 18+ |
| Monthly payments | Not confirmed | Yes |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Not confirmed |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.7.
- 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 €25.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Pet, Gadget.
- Insurance types: only Linxea offers Life.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only Linxea offers Email, Post.
Our verdict on each
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.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 8.8 | 8.9HigherLife cover linked to funds and bonds with variable pricing at 3% |
| Trust | 9.5Higher | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Availability and regulation
| Country | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Austria | Not confirmed | |
| France | Not confirmed | ORIAS 07031073 |
| Germany | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for Linxea: 1.
Where they rank in our lists
| Ranking | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Insurance | 4 of 627 | 7 of 627 |
A third option
bunq Spain has premium from at €0, against €1.50 for HanseMerkur Reiseversicherung AT and €25 for Linxea.
bunq Spain reviewSources behind this comparison
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
Linxea
- linxea.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Not confirmed | Low fees |
| Legal entity | HanseMerkur Reiseversicherung AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Savings
| Fact | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €100 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
| Regulators | Not confirmed | ORIAS |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | Linxea | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | €25highest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
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.
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
Who each suits
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.
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
Current offers
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | HanseMerkur Reiseversicherung AT | Linxea |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Germany | Yes | No |
Questions about each
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.
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
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