HanseMerkur insurance group
The HanseMerkur Insurance Group with its head office in Hamburg can already look back on a long history. Its predecessor companies, Hanseatische Krankenversicherung VVaG and Hanse-Krankenschutz VVaG, were established in 1875 and 1936 respectively. As a medium-sized personal insurer independent of any group, HanseMerkur has been offering its customers security, predictability and reliability since 1969. This financially secure and growth-oriented company has achieved its present independent and strong position in the market and developed into an efficient medium-sized personal insurer thanks to various acquisitions of existing customer lists and its dynamic sales activities.
With 1,744 employees and self-employed agency owners working in its head office and in its sales force, HanseMerkur generated an annual turnover in 2009 of 962.2 million Euros and holds capital assets of more than 3.6 billion Euros.
The insurance group’s roots lie in health insurance, which, with a premium income of 640.4 million Euros in 2008, is still the company’s largest area of activity. As a specialist in the field of private complementary insurance, HanseMerkur
Krankenversicherung AG has established a name for itself throughout the whole of Germany.
In 1989, the company was the first private health insurer that offset reductions in its ES tariff in benefits as part of a reform of the state insurance scheme by the then health minister Blum. However, HanseMerkur has also established its position in the market through its innovative all-round health insurance premium rates that offer additional benefits for women, children and high-earning employees and the self-employed. Its leading role in reimbursing the costs of naturopathic medical treatment, for which demand is increasing ever more strongly, should also be mentioned.
HanseMerkur is also leading the way with its active health management and an advisory service for its customers, for example its health telephone helpline to specialist doctors at local rates and one of the most comprehensive health portals on the internet.
In association with the health insurers DAK and HEK, the Hamburg Savings Bank and the drug-store chain Budnikowsky, HanseMerkur is also one of the largest providers of private complementary health insurance cover. Since 2004, more than four million contracts for spectacles insurance developed for the optician chain Fielmann have been signed. With its website www.riestermeister.de, HanseMerkur not only offers one of the most comprehensive information portals on the internet about provision for old age, but also enables the highest guaranteed “Riester pension” (a government-sponsored supplementary pension scheme) with the lowest contribution to be completed online. HanseMerkur is also the second largest travel insurer in Germany (www.hmrv.de) and the only independent insurance company in the financial centre Hamburg that is independent of any group and that operates throughout the whole of Germany.