Tchibo and HanseMerkur cooperate: Insurance with a 100-day money-back guarantee

Hamburg, May 28, 2020. Two traditional Hamburg companies are now working together: Tchibo is now offering on an ongoing basis insurance from HanseMerkur ( The offer ranges from dental and supplementary health insurance to special solutions such as a policy that covers surgery costs for dogs.

HanseMerkur, founded 145 years ago, is a multiple test winner in terms of price / performance and service. With the new Tchibo partnership, the two Hanseatic companies are expanding their offering with a new, innovative component.

100 Day Money Back Guarantee

If a Tchibo customer chooses a solution from HanseMerkur, they automatically receive a 100-day money-back guarantee. This means that he/she can calmly check whether the selected insurance meets his/her requirements – and get back the entire premium paid if he/she is not happy with it.

Tchibo acts as a so-called tied insurance intermediary and is accordingly registered with the Chamber of Commerce. The customer concludes the actual contract directly with HanseMerkur – including all Tchibo advantages. In addition to the 100-day money-back guarantee, there are always time-limited special offers. The medical questionnaire may not be required for example when concluding specific policies. Or customers receive a Tchibo gift card worth 15 euros as a thank you.

Supplementary Health Insurance “Premium”

So until May 31, 2020 there is the additional health insurance “Premium” without a health check. It contains high co-payments for dentures and glasses, takes care of chief physician treatments and one- or two-bed rooms in the event of accidents and 100 euros per year for vaccinations when traveling abroad. The supplementary protection also includes a complete travel health insurance abroad. For children and adolescents, such protection only costs 6 euros a month, for example.

Dog Surgery Insurance

If you want to protect not only yourself, but also your dog, you can get dog surgery insurance from Tchibo for as little as EUR 9.95 a month. Including free choice of doctor and clinic – worldwide.

Tchibo has been offering suitable travel insurance from HanseMerkur for its holiday offers since 2019. With the now expanded partnership, both companies want to further pool their strengths. The new insurance offers are now available on

Philipp Andrée, Managing Director Marketing and E-Commerce at Tchibo: “We are pleased to be able to offer high-quality insurance in cooperation with HanseMerkur. With this expansion of the range of services we can accompany our customers even better through every situation of everyday life. ”

The cooperation of the two companies firmly rooted in Hamburg is in the interests of the customer. “As a Mutual Insurance Company, we have been serving our customers in solidarity since 1875,” says Christian Herschler, Head of Cooperation at HanseMerkur. “With Tchibo we have found a new, strong sales partner who offers our tailor-made products with the 100-day money-back guarantee.”

Tchibo sold insurance a few years ago, but ended business in 2011. At that time, the group advertised products from insurance partners as a so-called tip provider.

About Tchibo

Tchibo stands for a unique business model. Tchibo operates almost 1,000 branches in eight countries, over 24,300 retail depots and national online shops. Through this multichannel distribution system, the company offers coffee and the single portion systems Cafissimo and Qbo as well as the weekly changing non-food ranges and services, such as travel or mobile communications. In 2018, Tchibo generated sales of EUR 3.15 billion with around 11,800 employees worldwide. Tchibo is the roasted coffee market leader in Germany, Austria, the Czech Republic and Hungary and is one of the leading e-commerce companies in Europe. The family-owned company, founded in Hamburg in 1949, received multiple awards for its sustainable business policy: in 2012 with the prize for business ethics and the environmental prize for logistics, and in 2013 with the CSR prizes of the German government and the EU. In 2016 Tchibo was recognized as Germany’s most sustainable large company.

About HanseMerkur

With annual sales of 2,049.6 million euros (2018), HanseMerkur is the only independent and group-independent insurance group at the Hamburg financial center. The 145-year-old personal insurer’s roots lie in health insurance, which remains the company’s main line of business to this day. HanseMerkur is also a specialist in the private supplementary protection of statutory health insurers and, with around 1.2 million additional insured persons, is one of the largest German providers in this segment. In private health insurance, it ranks 11th out of 41 providers. HanseMerkur is also one of the major German Travel Insurers.