Insurer profile
Merkur Versicherung Aktiengesellschaft
Merkur Versicherung AG, headquartered in Graz, is the oldest insurance company in Austria, founded in 1798. As the second-largest private health insurer in Austria, it focuses on health, life, accident, property and legal protection insurance for individuals and families, and operates in Austria and Southeast Europe.
Source- Legal entity
- Merkur Versicherung Aktiengesellschaft
- Headquarters
- Graz, Austria
- Parent group
- Merkur Wechselseitige Versicherungsanstalt Vermögensverwaltung
- Regulator
- Financial Market Authority (FMA)
- Phone
- +43 316 8034-0
- merkur@merkur.at
- Founded
- 1798
- Last verified
- May 13, 2026
Products from Merkur Versicherung Aktiengesellschaft
health
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.
life
Life Insurance
Flexible life insurance products for financial protection and retirement provision, including both fund-linked and classic variants.
life
Fund-Linked Life Insurance
Unit-linked life insurance allowing capital accumulation through international investment funds, with optional disability and care coverage.
life
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.
health
Accident Insurance
Private accident insurance providing worldwide coverage for accidents in sports, daily life and travel, with benefits for invalidity, hospital stays and rehabilitation.
property
Household Insurance
Household contents insurance covering furniture, electronics and valuables against damage, theft and burglary, with optional third-party liability coverage.
property
Home Building Insurance
Building insurance protecting homeowners against fire, water damage, storm, hail and other elemental risks affecting the structure and fixed installations.
liability
Legal Protection Insurance
Legal protection insurance covering attorney fees, court costs and expert witness fees for legal disputes in private, employment, property and traffic areas.
other
Bicycle Theft Insurance
Insurance protecting bicycles including e-bikes and fixed accessories against theft and partial theft throughout Europe, with coverage up to EUR 5,000.
travel
Travel Insurance (Annual Travel Protection Premium)
Annual travel protection insurance (underwritten by HanseMerkur Reiseversicherung AG) covering medical emergencies, trip cancellation and travel assistance for multiple trips per year.
Regulatory updates
In October 2023, the Austrian Financial Market Authority (FMA) imposed fines of EUR 4,000 and EUR 3,600 respectively against the responsible persons of Merkur Versicherung AG for a breach of information requirements in the customer information letter regarding the adjustment of premiums for health insurance similar to life insurance (Art. 135e para. 2 VAG 2016). Specifically, Merkur failed to inform insured persons of their right to reduce or cancel their coverage upon a premium increase.