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| Feature / category | Allianz Mar 9, 2026 Open details | HanseMerkur Mar 11, 2026 Open details |
|---|---|---|
| Overview | ||
Insurer | Allianz Deutschland AG | HanseMerkur |
Online purchase | No | No |
24/7 helpline | No | No |
| Coverage | ||
Medical expenses | €15,000 | €18,000 |
Medical transport | €1,000 | €1,500 |
Personal liability | €20,000 | €15,000 |
| Key conditions | ||
Assistance call deadline | Pre-authorization is recommended for expensive treatment plans. | Call support before major surgery or extended hospitalization. |
Chronic conditions | Chronic conditions may be subject to waiting periods and sub-limits. | Chronic conditions can be covered after waiting periods depending on the tariff. |
Purchase while abroad | Purchase is available while resident in Germany. | Purchase is available for eligible German residents. |
| Proof and next steps | ||
Direct payment policy | Approved network reimbursements can be settled faster through digital claims channels. | Claims are usually reimbursed, with selected partner billing supported in some cases. |
Last verified | Mar 9, 2026 | Mar 11, 2026 |