Hansemerkur
HanseMerkur is a 150-year-old, Hamburg-based private German insurance carrier offering health, dental, travel, pet, accident, liability, property, and retirement insurance to consumers, civil servants, self-employed individuals, and corporate clients via direct, online, and partnership channels including DAK-Gesundheit.
- Company typePrivate
- Founded1876
- HeadquartersHamburg, Germany
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Hansemerkur does
HanseMerkur (legal entity: HanseMerkur Krankenversicherung AG) is a Hamburg-headquartered, privately held German insurance carrier founded in 1875/1876 and operating for approximately 150 years. The company underwrites a broad portfolio of insurance products across private health, dental supplement, nursing care, health supplement (outpatient, inpatient, cancer), travel, pet (dog and cat health, surgery, owner liability), accident, personal liability, household contents, residential building, term life, occupational disability, motor vehicle, bicycle, motorcycle, e-scooter, rental car, legal protection, and retirement products (Riester, Rürup, private pension, company pension, fund-based CHF capital). It also offers the Krebs-Scan supplementary insurance and the PanTum Detect blood test as part of a cancer early-detection product line.
The technology platform consists of conventional insurance administration software, online quote calculators and self-service portals, a digital ServiceApp (iOS/Android) for mobile claims and document submission, and a digital mailbox. There is no evidence of proprietary AI/ML models, patents, or research assets in the supplied data. HanseMerkur distributes through direct sales (phone hotline, online), a field sales force for corporate clients, a network of local partners (Partner vor Ort), and a deep partnership stack: DAK-Gesundheit (co-branded "Plus" product suite for ~5.7M statutory policyholders), Hamburger Sparkasse (Haspa), Fielmann, Tchibo, DAS FUTTERHAUS, reifen.com, BUDNI, Husqvarna, and the main sponsorship of Hamburger SV (HSV) football club extended through 2028.
The business model is subscription/recurring premium-based across all product lines, with monthly billing in most categories (e.g., dog liability from €3.36/month, cat health from €14.28/month, dog health from €28.19/month) and annual per-trip pricing for travel cancellation (from €49 per trip). The customer base spans self-employed individuals, employees, civil servants (Beamte) and their families, pet owners, travelers, employers purchasing corporate health insurance (bKV), and retirement planners. The company is independently operated, with no disclosed parent, no external funding rounds, and no M&A activity in the supplied data; it does disclose participation in a real estate joint venture (Holsten-Quartier, with Swiss Life Asset Management and Otto Wulff) and won multiple independent awards in 2024-2026, including consecutive Focus Money "Fairster Tierversicherer" rankings, Stiftung Warentest "sehr gut" ratings for dental tariffs, and Innovation Gold for Krebs-Scan.
Hansemerkur firmographics
Firmographics- Name
- Hansemerkur
- Legal name
- HanseMerkur Krankenversicherung AG
- Website
- https://hansemerkur.de
- Company type
- Private
- Founded year
- 1876
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- HanseMerkur is a 150-year-old, Hamburg-based private German insurance carrier offering health, dental, travel, pet, accident, liability, property, and retirement insurance to consumers, civil servants, self-employed individuals, and corporate clients via direct, online, and partnership channels including DAK-Gesundheit.
- Ownership category
- akta.pro rank
Hansemerkur industry classification
Industry- Product category
- Personal Lines Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210)
- SIC
- Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)
- akta.pro secondary industries
- International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ), Umbrella & Excess Liability Insurance (FSAJAKAK)
Keywords
Where Hansemerkur is headquartered
LocationHeadquarters
- HQ city
- Hamburg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Hansemerkur business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Private Health Insurance: Private health insurance products for self-employed, employees, civil servants, civil servant candidates, children, and students. Revenue generated through recurring premium payments.
- Dental Insurance: Supplementary dental insurance and dental prevention insurance. Covers up to 100% of costs for dental treatments.
- Travel Insurance: International health insurance, travel cancellation insurance, and travel insurance packages for various traveler segments including au pairs, students, and long-term expats.
- Pet Insurance: Comprehensive pet insurance including dog and cat health insurance, dog and cat surgery insurance, and pet liability insurance. Premiums vary by animal type, breed, age, and coverage level.
- Nursing Care Supplementary Insurance: Supplementary nursing care insurance and private nursing care insurance.
- Cancer Screening Insurance: Cancer early detection supplementary insurance including Krebs-Scan and PanTum Detect blood test.
- Accident and Liability Insurance: Personal accident insurance and private liability insurance products.
- Occupational Disability Insurance: Occupational disability insurance and civil service disability insurance.
- Pension and Retirement Products: Retirement products including Riester pension, Rürup pension, private pension insurance, company pension schemes, and fund-based capital investment.
- Property Insurance: Household contents insurance and residential building insurance.
- Motor Vehicle Insurance: Automobile, bicycle, motorcycle, and rental car insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Dog Liability Insurance - starting from 3.36 EUR/month |
| Subscription | Monthly | Cat Surgery Insurance - starting from 4.32 EUR/month |
| Subscription | Monthly | Cat Health Insurance - starting from 14.28 EUR/month |
| Subscription | Monthly | Dog Surgery Insurance - starting from 7.38 EUR/month |
| Subscription | Monthly | Dog Health Insurance - starting from 28.19 EUR/month |
| Subscription | Monthly | Outpatient Supplementary Insurance - starting from 10.60 EUR/month |
| Subscription | Monthly | Outpatient Supplementary Insurance Special - starting from 7.75 EUR/month |
| Subscription | Annual | Travel Cancellation Insurance - 49 EUR per trip |
| Subscription | Monthly | Optional Dental Add-on for Pet Insurance |
| Subscription | Monthly | Optional Pet Assistance Add-on - 5.95 EUR/month |
| Subscription | Monthly | Optional Vorsorge Plus Add-on - 11.90 EUR/month |
Go-to-market motion2 records
Distribution channels10 records
Marketing channels9 records
Hansemerkur product offering
Product offeringCore offering
HanseMerkur is a Hamburg-based German insurance company selling subscription-based insurance products across health (private, supplementary dental, nursing care, cancer screening), travel (foreign health, cancellation), pets (dog and cat health, surgery, owner liability), retirement (Riester, Rürup, private pension, company pensions), and personal lines (accident, liability, vehicle, household, occupational disability, term life). Products are priced via recurring monthly premiums with tiered tariff options (e.g., Komfort, Premium, Premium Plus) and deductible choices, and are sold direct (phone, online, app), through field sales for corporate clients, and via deep partnerships with DAK-Gesundheit, Haspa, Fielmann, Tchibo, DAS FUTTERHAUS and other retailers.
Product overview
Hansemerkur is a German insurance company offering a comprehensive portfolio of insurance and financial products. The core offerings include Private Krankenversicherung (private health insurance) for various target groups, Zahnzusatzversicherung (dental supplement insurance), Krankenzusatzversicherung (health supplement insurance with outpatient, hospital, and cancer modules), and Krebsfrüherkennung (cancer screening services). The company provides extensive travel insurance including Auslandskrankenversicherung (foreign health insurance) and Reiserücktrittsversicherung (trip cancellation). Their pet insurance division (Tierversicherung) offers specialized products including Hundekrankenversicherung (dog health insurance), Hunde-OP-Versicherung (dog surgery insurance), Katzenkrankenversicherung (cat health insurance), and Katzen-OP-Versicherung (cat surgery insurance), as well as Hundehaftpflicht (dog owner liability). Additional products include Altersvorsorge (retirement planning with Riester-Rente, Rürup-Rente, and company pension schemes), Betriebliche Krankenversicherung (company health insurance), Unfallversicherung (accident insurance), and property/liability products. The company supports customers through a ServiceApp for digital document submission and claims management. Products are available across multiple distribution channels including online, direct sales, and partnerships such as DAK-Gesundheit.
Differentiator
Problem solved
Functional benefit
Products and services
- Private Krankenversicherung (Private Health Insurance) Private health insurance offering for individuals who are not (or not fully) covered by Germany's statutory system, with tailored tariff variants for self-employed, employees, civil servants, Beamtenanwärter, children, and students. Sold primarily direct via phone, online, and field sales.
- Zahnzusatzversicherung (Dental Supplement Insurance) Supplementary dental insurance for policyholders with statutory coverage, providing up to 100% reimbursement for dental treatments, prostheses, inlays, and implants at private doctor rates. Includes child dental variants and preventive dental tariffs.
- Pflegezusatzversicherung (Nursing Care Supplement Insurance) Supplementary and private nursing care insurance products covering long-term care costs not reimbursed by the statutory system, sold via direct channels and through DAK-Gesundheit PlusFörderpflege.
- Krankenzusatzversicherung (Health Supplement Insurance) Modular supplementary health insurance covering outpatient, inpatient, hospital per-diem, sick-pay, hearing and vision, glasses, and cancer insurance add-ons for individuals with statutory health coverage.
- Krebsfrüherkennung / Krebs-Scan (Cancer Screening Insurance) Supplementary insurance covering cancer early detection procedures, including the Krebs-Scan diagnostic add-on and the PanTum Detect blood test for cancer screening.
- Auslandskrankenversicherung (Foreign/Travel Health Insurance) Travel health insurance products covering medical treatment costs abroad, with dedicated variants for tourists, au pairs, students, long-term expats, and incoming foreign guests. Includes emergency assistance services.
- Reiserücktrittsversicherung (Trip Cancellation Insurance) Travel cancellation insurance covering the cost of trip cancellation or interruption, with example pricing of 49 EUR per trip for travelers up to age 65.
- Tierversicherung (Pet Insurance) Comprehensive pet insurance covering dog and cat health, surgery, and owner liability, sold in Komfort, Premium, and Premium plus tiers with optional dental and Pet Assistance add-ons. Distributed direct, online, and through pet retail partners such as DAS FUTTERHAUS.
- Hundehaftpflicht (Dog Owner Liability Insurance) Liability insurance for dog owners covering third-party damages caused by the insured dog, with tariffs starting from 3.36 EUR per month and an optional poison-bait extension.
- Altersvorsorge (Retirement Planning) Retirement planning products including Riester-Rente, Rürup-Rente, private pension insurance, company pension schemes (Betriebliche Altersvorsorge), and fund-based capital investment denominated in CHF, plus reinvestment options.
- Betriebliche Krankenversicherung (Company Health Insurance) Group health insurance packages (bKV) offered to German employers as an employee benefit, distributed through a dedicated corporate sales motion.
- Unfallversicherung (Accident Insurance) Personal accident insurance sold in Best Gold, Smart Premium Partner, and Premium 60 Plus variants to provide financial protection in case of accidents.
- Private Haftpflichtversicherung (Private Liability Insurance) Personal liability insurance protecting policyholders against third-party claims for property damage or bodily injury, sold via direct and partner channels.
- Risikolebensversicherung (Term Life Insurance) Term life insurance paying out a predefined sum to dependents upon the policyholder's death, used for family income protection.
- Kfz- und Fahrrad-Versicherung (Motor Vehicle and Bicycle Insurance) Vehicle insurance covering cars, motorcycles, bicycles, e-scooters, and rental cars, including complementary mobility coverage variants.
- Hausrat- und Wohngebäudeversicherung (Household Contents and Residential Building Insurance) Household contents insurance plus residential building insurance covering personal property inside the home and the physical building structure.
- Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance including a civil-service-specific Dienstunfähigkeitsversicherung variant, protecting income in case the policyholder can no longer work in their profession.
- Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering the cost of legal disputes and attorney fees for individuals across private, employment, traffic, and other legal contexts.
- HanseMerkur ServiceApp Standalone mobile application that enables existing HanseMerkur policyholders to submit medical and veterinary bills, change bank details and residence, access a digital mailbox, and use related health services—serving as a digital servicing channel rather than a separately priced insurance product.
Quantifiable outcome
- Fairster Tierversicherer (Fairest Pet Insurer) awarded 'Very Good' by Focus Money in 2026 among 41 tested providers
- +7 more outcomes
Companies that use Hansemerkur
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles7 records
Hansemerkur technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Hansemerkur partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered flagship, core, secondary and minor.
- Hamburger SV (HSV)flagshipMain sponsor and partner of HSV (Hamburger Sport-Verein), one of Germany's most well-known football clubs. Partnership includes support for professional players, HSV women's team, Young Fans, youth development programs, and HSV eSports. Partnership extended until 2028.
- DAK-GesundheitflagshipStrategic partnership offering exclusive insurance products and benefits to DAK-Gesundheit's approximately 5.7 million policyholders. Products include PlusZahn (dental), PlusSehen (vision), PlusFamilie (family), PlusGesundheit (health), PlusKlinik (hospital), PlusVorsorge (prevention), PlusVerdienstausfall (income loss), Fit & Travel, PlusReise, PlusReise 365, PlusFörderpflege (nursing care), and PlusSterbegeld (funeral costs).
- Haspa (Hamburger Sparkasse)corePartnership with Hamburger Sparkasse, one of Germany's largest savings banks, for cross-selling insurance products to Haspa's customer base in the Hamburg region.
- FielmanncorePartnership with Fielmann AG, a leading optical retailer in Germany, for vision-related insurance products and cross-selling opportunities to Fielmann's customer base.
- TchibosecondaryPartnership with Tchibo GmbH, a major German retail company, for insurance product distribution through Tchibo's extensive retail network.
- DAS FUTTERHAUScorePartnership with DAS FUTTERHAUS, a leading pet supply retailer in Germany, for pet insurance product distribution to pet owners shopping at DAS FUTTERHAUS locations.
- reifen.comsecondaryPartnership with reifen.com, an online tire and automotive parts retailer, for automotive insurance product distribution.
- BUDNIminorRegional retail partnership with BUDNI, a drugstore chain in the Hamburg area, for insurance product distribution.
- HusqvarnaminorPartnership with Husqvarna, a leading manufacturer of outdoor power products, for insurance products related to garden and outdoor equipment.
- Swiss Life Asset ManagementcoreJoint development project participation in Holsten-Quartier consortium for real estate development, contributing to housing supply in Hamburg.
- Otto WulffcoreJoint development project participation in new construction projects for housing development in Hamburg.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Hansemerkur competitors and assessment
Company assessmentBroad incumbents
- Allianz SE: Germany's largest insurer offering health, life, P&C, and asset management products. A broad incumbent in the same insurance market where HanseMerkur competes, with overlapping product lines including supplementary health and life insurance.
- Munich Re: Global reinsurer and primary insurer (ERGO) operating across health, life, and P&C. Comparable in product breadth and German market presence, with overlapping health, pet, and travel insurance lines.
Direct peers
- HUK-Coburg: Large German mutual-style insurer offering health, liability, motor, household, and pet insurance. Closely comparable business model and product mix to HanseMerkur, competing in the same German mid-market segments.
- DEURAG: German legal protection insurer (part of the SIGNAL IDUNA Group). Comparable in the niche of specialty insurance products for German consumers, similar size and distribution approach.
- ARAG SE: German insurer specializing in legal protection, health, and accident insurance. Direct peer in the supplementary insurance and niche coverage space where HanseMerkur also operates.
- BarmeniaGothaer: Resulting entity from the Barmenia and Gothaer merger, offering health, life, and P&C insurance in Germany. Directly competes with HanseMerkur in supplementary health and life insurance.
- Signal Iduna: German mutual insurer offering health, life, pension, and P&C products. Comparable in mutual-style structure and supplementary health offerings, especially for civil servants and self-employed.
- Debeka: Germany's largest private health insurer with a strong focus on civil servants. Directly comparable to HanseMerkur in the supplementary health and Beamte insurance segments.
Emerging players
- Getsafe: Digital-first German InsurTech offering liability, household, and pet insurance through a mobile app. Represents the emerging digital-native competitive threat to HanseMerkur's traditional distribution model.
- Lovys: Digital insurance platform offering modular home, pet, and life insurance in Europe. An emerging player whose digital subscription model intersects with HanseMerkur's pet and household product lines.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Hansemerkur social profiles
Digital presenceHansemerkur financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hansemerkur leadership team
Management profileNumber of profiles
Hansemerkur funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hansemerkur M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hansemerkur
What does Hansemerkur do?
HanseMerkur is a Hamburg-based German insurance company selling subscription-based insurance products across health (private, supplementary dental, nursing care, cancer screening), travel (foreign health, cancellation), pets (dog and cat health, surgery, owner liability), retirement (Riester, Rürup, private pension, company pensions), and personal lines (accident, liability, vehicle, household, occupational disability, term life). Products are priced via recurring monthly premiums with tiered tariff options (e.g., Komfort, Premium, Premium Plus) and deductible choices, and are sold direct (phone, online, app), through field sales for corporate clients, and via deep partnerships with DAK-Gesundheit, Haspa, Fielmann, Tchibo, DAS FUTTERHAUS and other retailers.
Is Hansemerkur a public or private company?
Hansemerkur is a private company. It is classified as unknown and is currently operating.
When was Hansemerkur founded?
Hansemerkur was founded in 1876. It employs 101 to 250 people.
Where is Hansemerkur based?
Hansemerkur is headquartered in Hamburg, Germany, in the Europe region.
How does Hansemerkur make money?
Eleven revenue lines are on record. Private Health Insurance is the primary driver. The others are dental Insurance, travel Insurance, pet Insurance, nursing Care Supplementary Insurance, cancer Screening Insurance, accident and Liability Insurance, occupational Disability Insurance, pension and Retirement Products, property Insurance and motor Vehicle Insurance.
Who are Hansemerkur's main competitors?
Broad incumbents on record are Allianz SE and Munich Re. Direct peers are HUK-Coburg, DEURAG, ARAG SE, BarmeniaGothaer, Signal Iduna and Debeka. Emerging players are Getsafe and Lovys.
Does Hansemerkur have an API?
No public API is recorded for Hansemerkur.
What industry is Hansemerkur in?
Hansemerkur's product category is Personal Lines Insurance. Its primary akta.pro industry code is FSAJAKAA, Accident & Supplemental (Non-Life) Insurance, with a secondary code of FSAIAKAJ, International/Expat Critical Illness & Hospital Indemnity. Its NAICS code is 52411 and its SIC code is 6331.