Insurer profile
Merkur Versicherung Aktiengesellschaft
Merkur Versicherung Aktiengesellschaft · Austria
Overview
Merkur Versicherung AG, headquartered at the Merkur Campus in Graz, is the oldest insurance company in Austria, founded in 1798. It is an all-lines insurer with a core focus on private health insurance, complemented by life, accident, property and legal protection cover, and is active in Austria and Southeast Europe through subsidiaries. In 2025 the Merkur Group's total premium volume exceeded EUR 1 billion for the first time, and in early October 2026 the group completed the merger of its life insurance subsidiary Merkur Lebensversicherung AG into Merkur Versicherung AG, bundling its life and health insurance expertise into a single legal entity.
Source16
Products in this market
1
Offer pages
Company details
- Parent group
- Merkur Wechselseitige Versicherungsanstalt Vermögensverwaltung
- Regulator
- Financial Market Authority (FMA)
- Phone
- +43 316 8034-0
- [email protected]
Products from Merkur Versicherung Aktiengesellschaft
Property2
Household Insurance
Household contents insurance covering furniture, electronics and valuables against damage, theft and burglary, with optional third-party liability coverage.
Home Building Insurance
Building insurance protecting homeowners against fire, water damage, storm, hail and other elemental risks affecting the structure and fixed installations.
Health3
Private Health Insurance (Supplemental)
Supplemental private health insurance providing hospital special class coverage, free choice of doctor and specialist, and reimbursement of medical costs beyond statutory coverage.
Accident Insurance
Private accident insurance providing worldwide coverage for accidents in sports, daily life and travel, with benefits for invalidity, hospital stays and rehabilitation.
Health Prevention Program (ego4you)
Preventive health program included as a component of eligible health insurance tariffs, offering health checks, hotel-based wellness stays, fitness and early-detection services every two years.
Life7
Life Insurance
Flexible life insurance products for financial protection and retirement provision, including both fund-linked and classic variants.
Fund-Linked Life Insurance
Unit-linked life insurance allowing capital accumulation through international investment funds, with optional disability coverage.
Fund-Linked Life and Disability Insurance
Combined fund-linked life insurance with disability income protection, providing a disability pension and lifelong financial security in case of early need for care.
Merkur GreenLife Fund-Linked Life Insurance
Fund-linked life insurance investing premiums in sustainability-screened investment funds, with a flexible death benefit of 5% to 200% of the premium sum.
Funeral Insurance (Bestattungsversicherung)
Lifelong death-benefit insurance with a selectable sum insured between EUR 3,000 and 15,000, no health check, and coverage of repatriation and funeral costs.
Happy Kids Child Provision
Fund-linked savings plan for children with premium waiver if the insured adult dies during the agreed insurance period, from EUR 25 per month.
Occupational Pension Provision
Employer-arranged classic life insurance group policy offering tax-advantaged retirement savings at preferential group conditions.
Regulatory updates
In October 2023, the FMA imposed fines of EUR 4,000 and EUR 3,600 on the responsible persons of Merkur Versicherung AG for breaching information requirements in customer letters on health-insurance premium adjustments, as Merkur failed to inform policyholders of their right to reduce or cancel coverage upon a premium increase. On 6 August 2026, the FMA approved under Article 29(1) of the Insurance Supervision Act 2016 (VAG 2016) the merger of the life subsidiary Merkur Lebensversicherung Aktiengesellschaft (FN 46082v) into Merkur Versicherung Aktiengesellschaft (FN 38045z) as the transferring and acquiring companies respectively; the merger was formally completed in early October 2026, ending the integration process that began with Merkur's 2021 acquisition of the former Nürnberger Versicherung Österreich. Separately, since 1 January 2026 the FMA has taken over supervision of financial sanctions compliance from the Austrian National Bank (OeNB) for all insurance branches, extending its oversight of Merkur and other insurers beyond the previous anti-money-laundering remit for life insurance.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from HanseMerkur for the Austria market, with online purchase and 24/7 assistance.
Last verified Aug 25, 2026