Simple & Clear: We provide clarity and transparency, with benefits and terms that are easy to understand, alongside straightforward processes and procedures.
Plans to Suit Your Needs & Budget: From the locations where you are covered to the monetary limits and scope of benefits, the choice is yours.
Telehealth: This convenient service offers members unlimited access to expert opinions from qualified doctors and medical advice on various conditions, diagnoses, and treatments over the phone or through a mobile app.
Member Assistance Programme (EAP) / Well-Being: We provide counselling (in person, via video, telephone, or chat) in over 200 languages for issues related to Family, Life, Health, Money, and Work through our website or app platform.
Reduced Risk & Increased Certainty: Your policy will be pooled with all other groups of 1 to 9 lives insured by us (community-rated), meaning that if a member develops or suffers from any serious or costly medical condition, it will not result in punitive price increases at renewal.
No Need to Pre-authorise: Everything is managed when visiting network providers. For visits to providers outside the network, there’s no need to waste time seeking pre-authorisation, as claims will be payable if medically necessary and covered.
Second Opinion: We understand that decisions regarding your health and proposed treatments can be among the most significant you will ever make, which is why all members are entitled to a second opinion.
24/7, 365 Days a Year Helpline: Our multilingual team of medical experts and professionals is always available to advise and guide members.
Mobile App: This handy technology allows you to check details about your plan, make and monitor claims, and locate providers and specialists in specific areas at any time.
Global Direct Billing: All members can utilise Henner’s Global Network, granting access to direct billing with over 60,000 providers in 190 countries.
World-Class Treatment & Care: All plans provide access to leading medical providers and care within the selected geographic coverage area.
Portability: Members can change their country of residence without needing to change their insurance.
Unbeatable Value for Money: As a mutual organisation, HanseMerkur is not driven by the necessity to generate profits for shareholders, ensuring that the quality and level of cover and service provided for the price are unparalleled.
Covered Means Covered: You will receive exactly what you have paid for, with no hidden clauses, no prohibitive sub-limits, and no unfair exclusions.
