Updated September 29, 2026 · SumCue Editorial Team
HelloSafe (Atlas) vs MSIG Insurance (Thailand)
HelloSafe (Atlas)
MSIG Insurance (Thailand)
Higher score in this comparison
HelloSafe (Atlas) vs MSIG Insurance (Thailand): the differences
| Compare | HelloSafe (Atlas)ReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | €9 | THB 299 |
| Insurance types | Travel | Auto, Travel, Home, HealthCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Emergency medical expenses EUR 500,000 - 2,500,000 | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Phone, Email, Chat | Phone, Online claims portal, Email |
| Monthly payments | No | Not confirmed |
| Age range | All ages, every nationality | Not confirmed |
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
- MSIG Insurance (Thailand) scores higher overall: 9.3 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Insurance types: only MSIG Insurance (Thailand) offers Auto, Home, Health.
- Claims channels: only HelloSafe (Atlas) offers Chat.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
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.
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 | HelloSafe (Atlas) | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 8.5Premiums start at €9 with annual payment in view. | 9.1HigherPremiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. | 9.3Higher |
| Trust | 8.5Broker entry under licence 21008038 with assisted support. | 9.5Higher |
Feature by feature
| Insurance types | HelloSafe (Atlas) | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
Where these facts come from
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
How they place
| Ranking | HelloSafe (Atlas) | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 13 of 627 | 20 of 627 |
| Travel insurance | 6 of 278 | 12 of 278 |
Every fact side by side
| Fact | HelloSafe (Atlas) | MSIG Insurance (Thailand) |
|---|---|---|
| Audience | Expats | Not confirmed |
| Legal entity | Not confirmed | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Not confirmed | Thailand |
| Support channels | Not confirmed | Email, Phone, Chat, Help centre |
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
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
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
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 | HelloSafe (Atlas) | MSIG Insurance (Thailand) |
|---|---|---|
| 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 29 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.
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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