HanseMerkur Reviews 

I chose HM as my private insurance 6 years ago thanks to an insurance broker who was speaking english, and for me that was an essential requirement. Everything went fine until that guy was working for them. After that they stopped answering me at any questions, ether in english or in german.
They have absolutely no respect about their customers. Please stay away from them.

I can't rate the claim process, but be warned that they entice you into a yearly insurance so that they can automatically renew it without sending you a reminder. There's no simple way to cancel the automatic renewal on their website, so you are going to need to contact them.

Never buy their insurance. I bought a ticket with Eurowings which was 100% insured (including missed flight, cancelled flight, delayed flight, change of travel plans, etc) by Hanse Merkur. Due to corona virus, I couldn't make my flight. I filed an insurance claim asking for a refund. However, they told me that I am not eligible for insurance claim since the government had provided a travel advisory and hence it was not their responsibility. I asked them as to why they sold me the insurance in the first place and they blatantly said that this was their business model. This company runs insurance fraud. In the US, we could have sued them for good. Here, apparently, their employees told me that they are covered under german labour law and hence no action can be taken against them.

terrible company with a bad management. i was a customer for about 4,5 year and everything was fine. well i never had any issue. and then i had one chase. my heart starting hurting so i went to the hospital and all. the aftermath...Hansemerkur refuses to pay. they said a week before my hospital visit i lost my insurance because of ...well they never actually said. but i am still fighting for my money. i strongly dont recomment this firm. just avoid it. i hope there are better ones out there

Horrible cheating customers. They first sold insurance saying that they will exclusively cover travel during corona virus even though no travel restrictions were applied. When I cancelled my flight due to ill health, they declined my insurance claim stating that their company is not liable to cover any claims during corova virus out break.

Anyone reading this, we should consider filing a class action lawsuit against this company. Useless company!

Not paying back the cost of insurance for a trip cancelled by organizer!

Most dishonest service ever. HM confirmed that my pregnant wife would be fully eligible for health insurance on my partner contract. Once the contract was signed HM changed their mind and informed me that they will not cover the cost for the birth... Lying to customers is never a winning recipe

Be aware of this fraudulent insurance company ! I booked a flight with the company Eurowings with a covered insurance option from HanseMerkur .
This scam company canceled this insurance without my permission before the flight and i was not able to get the flight with the corona circumstances .
I can't understand why they dont mentioned that it is not possible to get a insurance BEFORE the buying procedure , the company played this false game together with Eurowings ,, no doubt !!
Where can we go to have some justice and punish this inhuman treatment ?

lots of paid negative bots here. I had 2 incidents and they paid everything. I didn t have to pay a cent or forward it while I was in Australia.

Safed me of 12k AUD debt.

I am not paid and not pre biased to give them kudos.

if i could i would give it 0 stars. Worst costumer service ever. The worst insurance company I have ever tried, they are professional cheaters.

if i could i would give it 0 stars. Worst costumer service ever. Dodgy in general.

Strange people who really don't want to understand the situation.
I got a car on rent and got their " Miet­wagen-Versi­che­rung" for a week. Before termination of the contract I extend my car for another week and they were unable to extend the contract because they cant understand that someboady can really extend his/her rent a car.

This put you in a difficult situation because now if something was happened last week, they can say that we cant assure and therefore its not covered. Also if anything happens to the car in next days they can say that this damage happend probably after extension and we cant cover that. All of the amount which I paid is simply wasted.

One very easy thing which they are unable to understand is that you extended your rent a car and for the same contract you need an extension which is very understandable.

My Simple advise to anybody who is interested in buying, please dont use it because in case you need your car for more then planned days all of your insurance amount will be wasted.

Will never ever think about them and definitely would like to inform as much people as possible to avoid them.

it took them 3 weeks to send a simple BAföG-Bescheinigung. Therefore i got one month no BAföG. Before I was at Techniker Krankenkasse. There I could directly download it without E-mails, calling ...

As an foreigner a friend suggested I sign up with HanseMerkur.
To clear things up, I am able to speak German very well, however writing is a bit harder for me. Apologies for writing in English.

The people from HanseMerkur are such an unfriendly bunch of people. I only had once the pleasure of someone nice on the phone, unfortunately from there it only went south. They don't compensate for your costs and always find a way out to not pay. This makes me wonder why I have an insurance at all.

Absolutely unreliable! My luggage was totally lost a year ago, but even after I had done all they asked (like a list of all items, when purchased, price, receipst etc) they never paid for it.

Please do not take an health insurance with this company. They do not care about you and will do whatever they can to get as much money as they can from you.

(I wrote my comments in two languages for ease of reference
Ich schreibe meine Erfahrungen in zwei Sprachen für einfache Referenzen der anderen)

Not recommendable. The company (under the name of Care Concept) is trying to delay my reimbursement of doctors' treatment costs indefinitely, and thus suspected of cheating. I had been to two different eye doctors that are totally independent of each other. When I tried to apply for a reimbursement of treatment cost of only the second eye doctor, the health insurer request that a questionnaire to be filled out not only by the second eye doctor responsible for the treatment, but also by the first eye doctor, which had nothing to do with the treatment. If these conditions are not met, then it is not possible for me to have my treatment reimbursed. Now the second eye doctor, with whom I had received the treatment, has already completed the questionnaire and sent it back to the health insurer. However, the first eye doctor had refused to do so, as according to him, he had nothing to do with my treatment at the second eye doctor. So without the filled-out questionnaire of the first doctor, the health insurance company can then forever delay my reimbursement and thus save the reimbursement costs (more than 600 euro, and i'm just a poor student), to the detriment of their customer.

Nicht zu empfehlen. Die Firma (unter Namens Care Concept) versucht meine Rückerstattung der Behandlungskosten bei Arzten zu unbestimmter Zeit zu verzörgern (möglicher Betrugsfall !). Ich habe zwei unterschiedliche Augenpraxen besucht, die total voneinander unabhängig sind. Wenn ich die Rückerstattung der Kosten aus nur der zweiten Augenpraxis beantragt, fordert die Krankenkasse dazu auf, dass ein Fragenbogen nicht nur durch die für die Behandlung zuständige zweiten Augenpraxis ausgefüllt wird, sondern auch durch die ersten Augenpraxis, die mit der Behandlung gar nichts zu tun hat. Wenn diese Bedingungen nicht erfüllt werden, dann ist es nicht möglich, meine Rückerstattungsgeld zurück zu bekommen. Jetzt hat die zweite Praxis, bei der ich lediglich die Behandlung erhalten hat, schon den Fragenbogen ausgefüllt und zurückgeschickt. Die erste Praxis hat aber so verweigert, da sie für die Behandlung bei der zweiten Praxis gar nichts zu tun hat. Infolgerdessen bedeutet es, dass die Krankenkasse meine Rückerstattung (mehr als 600 euro, und ich bin nur armer Student) für immer verzögern und damit die Kosten der Firma einsparen kann, zum Schaden ihren Kunden.

GARBAGE INSURANCE DO NOT TAKE IT!
HAVE A COMPLAIN FOR 2 MONTHS, NO SOLUTION YET

Signed up with Hanse for our family private healthcare here in Germany and so far experience has been very bad. Claims takes ages and they do whatever they can to not refund albeit we pay a huge amount every month for a family of five.

I am having the same experience as everyone else, written to them emailed them about a cancellation on a policy for my wife. I was insured with Saga paid in 12 days. 2 months on still waiting to hear back from this awful company apart from two badly written auto replies nothing.
I must add to my previous review. They have finally paid up in full which has surprised me as I have had no meaningful correspondence from them. Apart from a letter asking for my bank details.