Updated September 29, 2026 · SumCue Editorial Team
HelloSafe (Atlas) vs Linxea
HelloSafe (Atlas)
Linxea
Higher score in this comparison
HelloSafe (Atlas) vs Linxea: the differences
| Compare | HelloSafe (Atlas)ReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Premium from | €9Lower | €25 |
| Insurance types | Travel | Life |
| Monthly payments | No | YesHas it |
| Claims channels | Phone, Email, Chat | Phone, Email, Post |
| Age range | All ages, every nationality | 18+ |
| Cover limit | Emergency medical expenses EUR 500,000 - 2,500,000 | Not confirmed |
Same on both: Provider type (Broker).
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
- Linxea scores higher overall: 8.7 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at HelloSafe (Atlas): €9 vs €25.
- Monthly payments: only Linxea.
- Insurance types: only HelloSafe (Atlas) offers Travel.
- Insurance types: only Linxea offers Life.
- Claims channels: only HelloSafe (Atlas) offers Chat.
- Claims channels: only Linxea offers Post.
Our verdict on each
HelloSafe (Atlas)
HelloSafe suits expats seeking travel cover through a broker model with helpful support across phone, email and chat for trip planning. Premiums start at €9 with emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000, while monthly payments stay unavailable for annual plans and cover remains travel focused.
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 | HelloSafe (Atlas) | Linxea |
|---|---|---|
| Cost | 8.5HigherPremiums start at €9 with annual payment in view. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. | 8.9HigherLife cover linked to funds and bonds with variable pricing at 3% |
| Trust | 8.5Broker entry under licence 21008038 with assisted support. | 8.8HigherOversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Pick HelloSafe (Atlas) if, pick Linxea if
Pick HelloSafe (Atlas) if premium from matter most.
Pick Linxea if trust and monthly payments matter most.
Licences and countries
| Country | HelloSafe (Atlas) | Linxea |
|---|---|---|
| France | ORIAS 21008038 | ORIAS 07031073 |
Available in 1 country for both. Additional countries for HelloSafe (Atlas): 27.
If neither fits
KS/AUXILIA has premium from at €5.04, against €9 for HelloSafe (Atlas) and €25 for Linxea.
KS/AUXILIA reviewHow they place
| Ranking | HelloSafe (Atlas) | Linxea |
|---|---|---|
| Insurance | 13 of 627 | 7 of 627 |
Every fact side by side
| Fact | HelloSafe (Atlas) | Linxea |
|---|---|---|
| Audience | Expats | Expats |
| Pricing model | Not confirmed | Low fees |
Savings
| Fact | HelloSafe (Atlas) | 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 | HelloSafe (Atlas) | Linxea | Median |
|---|---|---|---|
| Premium from | €9above the median | €25highest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
HelloSafe (Atlas)
Pros
- Emergency medical expenses at Emergency medical expenses EUR 500,000 - 2,500,000 give clear headroom for travel medical needs
- Premiums start at €9, which sits near the middle of travel premiums across the site
- Support across email, chat and phone gives choice for questions and claims while travelling
Cons
- Life cover is not among its travel, so households wanting life protection alongside travel need a second provider
- Home and motor cover are not among its travel, which keeps the range narrow for households wanting bundled policies
- HelloSafe acts as broker, so policy terms and claims depend on the partner insurer behind each plan
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
HelloSafe (Atlas)
Who it suits
- Expats seeking travel cover that is open to All ages, every nationality and arranged online
- Travellers who value emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000 with support across email, chat and phone
Who should look elsewhere
- Households wanting life cover should look at Polizza Vita con Bonus, which focuses on life rather than travel
- Travellers seeking very low entry premiums could compare TravelSecure, which lists premiums starting at €5 against €9
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 | HelloSafe (Atlas) | Linxea |
|---|---|---|
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
8 of 28 countries where either is available.
Questions about each
HelloSafe (Atlas)
What does HelloSafe travel insurance cost?+
Premiums start at €9 for HelloSafe travel cover. The exact amount you pay depends on destination, duration, age and selected medical limits. You should compare the entry premium against emergency cover and trip features before choosing.
Can I pay for HelloSafe cover monthly?+
Monthly payments are listed as unavailable for annual travel cover. That means you pay for the selected period in a lump sum at purchase. If spreading cost across the year matters, compare providers that allow monthly payments.
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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