HanseMerkur
About the Insurer
HanseMerkur is an independent mutual insurance company headquartered in Hamburg and is one of the top-performing providers in the supplementary health insurance market.
With the BKBT and BKBT-E plans, HanseMerkur offers annual budgets ranging from €300 to €1,700 —one of the highest maximum budgets among leading supplemental health insurance providers. An optional premium waiver in the event of a claim can be added (BKBT-E): In the event of illness, the premium is waived entirely. The BKB/800 plan complements the portfolio with a fixed base budget.
As a specialist in health insurance and a non-profit insurance company with no corporate interests, HanseMerkur stands for quality and reliability.
What sets this provider apart
What sets HanseMerkur apart from the rest:
- High budget of up to €1,700: A high maximum limit among the major standard supplementary health insurance providers.
- Premium Waiver in the Event of a Claim (BKBT-E): No premiums are due in the event of illness—a unique feature in the budget insurance market.
- Independence as a VVaG: No corporate interests—decisions made in the best interests of policyholders.
- Health insurance specialist: 100% focused on health insurance products; not a generalist.
Additional insurance benefits
Facts at a Glance
BKBT / BKBT-E / BKB
€300 / €600 / €900 / €1,200 / €1,500 / €1,700
Companies with high healthcare budget requirements and high standards of quality, particularly in northern Germany
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