Updated September 28, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)
HanseMerkur Reiseversicherung AT
Higher score in this comparison
MSIG Insurance (Thailand)
HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand): the differences
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | €1.50 | THB 299 |
| Insurance types | Travel, Pet, Gadget | Auto, Travel, Home, Health |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online form, Phone | Phone, Online claims portal, Email |
| Age range | up to 65 years of age | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Insurance types: only MSIG Insurance (Thailand) offers Auto, Home, Health.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal, Email.
- Support channels: only MSIG Insurance (Thailand) offers Chat.
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.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) suits households in Thailand that want motor, travel, home and health policies from a single insurer, and claims can start by phone, through the online claims portal or by email. Premiums start at THB 299, and support runs on email, phone and chat.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 9.1Premiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 8.8 | 9.3Higher |
| Trust | 9.5 | 9.5 |
Positions in our rankings
| Ranking | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 4 of 627 | 20 of 627 |
| Travel insurance | 2 of 278 | 12 of 278 |
Licences and countries
| Country | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed | |
| Thailand | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for MSIG Insurance (Thailand): 1.
Which one suits you
Pick HanseMerkur Reiseversicherung AT if cost matter most.
Pick MSIG Insurance (Thailand) if offer matter most.
What each covers
| Insurance types | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Gadget | Yes | No |
What we checked
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Legal entity | HanseMerkur Reiseversicherung AG | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
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.
MSIG Insurance (Thailand)
Pros
- Claims open by phone, through the online claims portal or by email: phone, online claims portal and email.
- Motor, travel, home and health sit with a single insurer: auto, travel and home.
- Help runs on email, phone, chat and a help centre: email, phone and chat.
Cons
- Premiums start at THB 299, above €0 at bunq and €25 at Linxea.
- Cover stops at the types listed, auto, travel and home, so life and pet policies sit outside the range.
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.
MSIG Insurance (Thailand)
Who it suits
- Households in Thailand holding a car, a home, health cover or travel plans: auto, travel and home
- Readers who want to open a claim by phone, online or by email: phone, online claims portal and email
- Shoppers who want help across email, phone, chat and a help centre: email, phone and chat
Who should look elsewhere
- Price-first shoppers: bunq and bunq Spain start at €0 and €0, below THB 299 here.
- Readers who want a life or savings product: Linxea starts at €25 and covers a different product line from auto, travel and home.
- Buyers who want cover that travels with them across markets: this insurer sits in TH and writes auto, travel and home.
Current offers
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | HanseMerkur Reiseversicherung AT | MSIG Insurance (Thailand) |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Thailand | No | Yes |
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.
MSIG Insurance (Thailand)
What is the entry premium?+
Premiums start at THB 299 on the seasonal disease plan, the simplest product in the range. The other lines, auto, travel and home, are priced separately, so that figure sits at the bottom of the range rather than in the middle of it.
Is MSIG a bank?+
No. insurer reads insurer, and the legal entity is MSIG Insurance (Thailand) Public Company Limited, based in Thailand. Policies are underwritten and paid by the insurer itself, so the money sits with a single company rather than a bank.
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