Public limited company (AG)

HanseMerkur private health insurance. A large Hamburg insurer whose app works in English, with roots going back to 1875.

HanseMerkur logo

HanseMerkur's health insurer belongs, through a holding, to a Hamburg mutual whose roots go back to 1875. Its app works in English; for applications, documents and the hotline in German, we stay your English-speaking contact.

Legal form
Public limited company (AG)
Group
HanseMerkur Holding SE, owned by a mutual founded in 1875
Our favourites
  • Entry KVP or KVS with a deductible
  • Medium KVP or KVS
  • Max AZP

Contact

Online portal
Self-service runs through the ServiceApp
Contract and claims
+49 40 4119-1100Monday to Friday, 8 am to 8 pm

Service in English

App
English
Application
German only
Documents
German only
Hotline
German only

For expats

Is HanseMerkur a good choice for expats?

HanseMerkur is a large Hamburg insurer with 334,332 people in full cover (2025). Its app works in English, so you can submit your medical bills without German. For applications, contracts and the hotline in German, we stay your English-speaking contact. We recommend three HanseMerkur tariffs, one each for Entry, Medium and Max cover. In a free call, we compare HanseMerkur with the rest of the market.

Our favourites

Which HanseMerkur tariffs do we recommend?

  1. Entry

    KVP

    or KVS with a deductible

    Full cover with a shared room in hospital and dental treatment at 100% with dentures and orthodontics at 80%, without a deductible (KVP) or with one of €500 or €1,000 a year (KVS).

  2. Medium

    KVP or KVS

    with EKV2 and PSV

    The Entry cover with EKV2, which raises the benefits, and PSV, which brings a single or two-bed room and treatment by the senior consultant in hospital.

  3. Max

    AZP

    with EGO2 and PS3, PSV optional

    No deductible, dental treatment at 100% and orthodontics at 80% with higher reimbursement for dentures through EGO2, a shared room in hospital through PS3, and a single or two-bed room with the senior consultant through PSV as an option.

In English

How well does HanseMerkur work in English?

The HanseMerkur app works in English, so you can submit your medical bills in the app without German. Applications, contracts and letters are in German, and the hotline, 040 4119-1100, Monday to Friday from 8 am to 8 pm, works in German. That is where we come in: we stay your English-speaking contact, call HanseMerkur for you and explain every letter for as long as you are insured.

Service in English

App
English
Application
German only
Documents
German only
Hotline
German only

Ownership

Who owns HanseMerkur?

HanseMerkur sells its private health insurance through HanseMerkur Krankenversicherung AG, a public limited company founded in 2008. Its sole shareholder is HanseMerkur Holding SE, and the holding in turn belongs to HanseMerkur Krankenversicherung auf Gegenseitigkeit, a mutual insurer founded in 1875. So the company you sign with is a public limited company, and the group at the top belongs to a mutual. Since 2008, the mutual's health insurance business has run through this company. Whatever the legal form, the law sets a minimum share of the surplus for policyholders.

History

The story of HanseMerkur

HanseMerkur began in 1875 in Stellingen, then a village outside Hamburg, where nine men founded a sickness and burial fund for the workers of the local leather factories and workshops. It called itself "the support of the sick" and was a private self-help fund. In 1931 it began working with the Hanseatische Ersatzkasse and took the name Hanseatische Krankenversicherung von 1875; from 1940 the name "Merkur" came in after it took over the Merkur Ersatzkasse in Nuremberg. A merger with Hanse-Krankenschutz in 1969 created the Hanse-Merkur Krankenversicherung, which then grew into a group with life insurance from 1972, general insurance from 1974 and travel insurance. The name has been spelt HanseMerkur since 2000. In 2008 the mutual founded HanseMerkur Krankenversicherung AG and transferred its health insurance business to it. In 2025 the company insured 334,332 people with full cover, and the whole group took €3.33 billion in premiums with 1,847 employees.

FAQ

Questions about HanseMerkur

Ask us anything
Does HanseMerkur have an English hotline?
The HanseMerkur hotline works in German, while its app works in English. We stay your English-speaking contact and call HanseMerkur for you when needed.
Is HanseMerkur a mutual insurer?
The company that sells the tariffs is a public limited company, HanseMerkur Krankenversicherung AG. Through a holding, it belongs to a mutual insurer founded in 1875.
What can I do if my HanseMerkur premium goes up?
You can switch to another HanseMerkur tariff with comparable cover and keep your savings for old age, which German law guarantees. For benefits that the new tariff adds, a surcharge, a waiting period or an exclusion may apply. We check your options with you before you switch.

Is HanseMerkur right for you?

Jonas MarxFounder, licensed insurance broker

In a free 30-minute call on Zoom, we compare HanseMerkur with the rest of the market for your situation.

    Sources and status ·
    1. [1]HanseMerkur, service phone (number, hours, bills via the app); contact page (email addresses)
    2. [2]HanseMerkur, imprint (legal name, register)
    3. [3]HanseMerkur Krankenversicherung AG, annual accounts 2025 (334,332 insured people in full cover, sole shareholder)
    4. [4]HanseMerkur Krankenversicherung auf Gegenseitigkeit, annual accounts 2025
    5. [5]HanseMerkur, "150 Jahre": a look back (1875, 1931, 1940, 1969) and "Machermut" (2000, 2008)
    6. [6]HanseMerkur, company page (group employees and premium income 2025)
    7. [7]§§ 150 and 151 VAG, § 22 KVAV (minimum share of the surplus); § 204 VVG (tariff switch with the same insurer)
    8. [8]Favourite tariffs: TheGoodBroker comparison system, 15 October 2026