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Hallesche Private German Health Insurance
Edited by
Sadie Voss
Content Lead & Editor
Sadie Voss is the Lead Editor for How-to-Germany.com. As an expat who carved her own way into Berlin from the United States, Sadie is deeply...
- English Support: Partially available, but most processes and documents remain German-focused
- Digital / Claims Handling: Digital tools for claims and contract management, combined with an advisor-based setup
- Best For: Expats who prefer a structured tariff system with predefined benefit levels and controlled flexibility within a fixed framework
Hallesche Private Health Insurance Overview
Hallesche is a specialized private German health insurer within the Alte Leipziger–Hallesche group. Its main focus is comprehensive private health insurance, supported by supplementary cover and income protection products such as daily sickness benefits.
Hallesche’s private health insurance is built around 3 parallel tariff lines. These are not freely modular plans where every benefit is selected separately. Instead, each tariff line comes with predefined benefit levels and internal variations.
This makes Hallesche relatively structured: the main differences come from the selected tariff design, rather than from combining many separate components.
- Structured tariff lines with predefined benefit levels
- Strong focus on private health insurance
- Separate solutions for medical professionals and international professionals
- Digital claims and contract management tools
- Daily sickness benefits must be arranged separately
- Extended international coverage is not automatically included
- Some tariff changes may require switching tariffs
- Personal advice is still central to the setup process
Supplementary products are mainly designed to complement statutory health insurance. They can cover areas such as dental care, hospital upgrades, long-term care, travel health insurance, and vision care. These products are separate from the comprehensive private health insurance tariffs.
Daily sickness benefits are also separate. They are available for employees and self-employed people, but they are not included automatically in the core health insurance tariffs.
The same applies to extended international coverage. Standard tariff coverage may be enough for shorter stays abroad, but longer stays usually need a separate German travel health insurance coverage solution.
Hallesche combines traditional advisor-led tariff selection with digital tools for claims submission and contract management. The setup is usually not a purely self-service process.
For medical professionals, Hallesche offers a structured concept that supports different career stages, from university to German self-employed visa coverage. This is not a separate tariff line. Instead, it combines option tariffs, later access to full private health insurance, and adjustments to income protection over time.
Hallesche also offers a dedicated solution for international professionals or those with German job hunter visas. The Hi.Germany tariff is designed for expats and follows a simplified structure for temporary stays in Germany.
Key Health Insurance Tariffs
Hallesche’s private health insurance is divided into several tariff lines. These differ not only in overall benefit levels, but also in how coverage is structured across outpatient care, hospital treatment, dental care, deductibles, and bonus arrangements.
The NK.select concept is the most flexible structure within Hallesche’s system. It is organized into 3 levels: S, L, and XL. These levels define the scope of benefits across core areas such as outpatient care, inpatient care, and dental treatment.
Within NK.select, some rules affect how care is accessed and reimbursed. In the S tariff, a primary care model applies. Specialist treatment is fully covered only when coordinated through a general practitioner.
The S tariff can be less flexible for people who want direct specialist access. Full reimbursement for specialist treatment generally depends on coordination through a general practitioner.
Medication reimbursement also differs between the S and L tariffs. Generics are fully covered, while original drugs are subject to defined annual limits. Depending on the tariff, these limits can reach up to €4,000 per year.
Adjustments inside the NK.select family are possible through the FLEX option. This allows changes to the level of coverage or deductible at defined points or life events without a new health assessment.
Alongside NK.select, Hallesche also offers tariff lines such as PRIMO and KS. These are more static. They still include different price and benefit levels, but those differences are created through predefined variants rather than through an ongoing adjustment system.
Target groups are generally handled within the existing tariff structure. Medical professional coverage, German private student health insurance, and self-employed plans are not usually placed into completely separate product families. Instead, their needs are addressed through option tariffs, adjusted conditions, or additional modules.
Core tariffs include international coverage, but the scope is limited. Coverage within Europe is generally not time-restricted, while stays outside Europe are usually limited to one month. Longer stays require separate travel health insurance.
Health Insurance for International Professionals
Hallesche offers a dedicated solution for international professionals with temporary residence in Germany: the Hi.Germany concept.
Unlike Hallesche’s standard private health insurance tariffs, Hi.Germany has a simplified structure designed for fixed-term stays of up to 5 years. It is especially relevant for expats who need private health insurance to meet German Schengen insurance visa requirements or temporary residence permit requirements.
Hi.Germany is designed for international professionals who plan to live in Germany temporarily and need a private health insurance solution that fits visa and residence permit requirements.
Core coverage is provided through the Hi.Medical tariffs. These are full private health insurance tariffs, not emergency-only plans. They include outpatient and inpatient care and are available in 2 plan levels.
Higher-level benefits, such as psychotherapy, one- or two-bed hospital rooms, and treatment by a senior physician, are only available in the more comprehensive plan. The structure remains mostly predefined, with limited selectable elements such as deductibles.
Private dental insurance Germany coverage works differently. It is not included in the Hi.Medical core plan and must be arranged separately through one of the optional Hi.Dental tariffs.
Hi.Germany separates medical and dental cover. This differs from Hallesche’s regular private health insurance tariffs, where dental benefits are usually integrated into the main tariff.
The product includes a simplified application process and English-language support. If the stay in Germany becomes long-term, policyholders can switch into one of Hallesche’s standard private health insurance tariffs.
Expat Reality Check
- Structured tariff system with defined variations: Clear internal logic within each tariff line without relying on fully modular setups
- Controlled flexibility within selected tariffs: Adjustments are possible within predefined frameworks such as NK.select
- Dedicated solution for temporary stays: Hi.Germany offers a separate option for expats with limited residence in Germany
- System not immediately intuitive: Multiple tariff lines with internal variations make comparisons less straightforward
- Primary care model in entry-level tariffs: Direct access to specialists is possible, but reimbursement may be reduced (for example, to 75%) if treatment is not coordinated through a general practitioner.
- Limited reimbursement for non-generic medication: In certain tariffs, coverage for non-generic drugs is subject to annual caps of up to €4,000, which may be insufficient for high-cost treatments
- Key extensions arranged separately: Income protection and extended international coverage must be added as separate modules
Dental and Vision Coverage
In Hallesche’s regular comprehensive private health insurance tariffs, dental and vision benefits are part of the core benefits. The exact scope depends on the selected tariff line and tariff level.
NK.select illustrates this structure well: dental treatment is covered at 100%, while dental prosthetics and implants are reimbursed on a graduated scale, typically around 70%, 80%, or 90%, depending on the selected level. Professional dental cleanings are included, but frequency limits apply in the lower and mid-level options.
Vision benefits are included as well, but they are capped. In NK.select, reimbursement for glasses or contact lenses reaches up to €450 every 2 years in the highest level, with lower allowances in the other levels. This makes vision a defined benefit rather than open-ended coverage.
For statutory insured individuals, Hallesche offers separate supplementary insurance. Dental coverage is available through dedicated dental policies. Vision benefits are included in broader outpatient supplementary plans that also cover selected additional areas such as medical aids, treatment abroad, or alternative care.
Alternatives to Hallesche Private Health Insurance
Traditional private health insurers in Germany primarily differ in how they structure their tariffs and allow adjustments over time.
- Allianz: Offers a highly flexible system with multiple ways to adapt coverage across individual benefit areas
- AXA: Provides a broad tariff landscape with clearly tiered plans and detailed differentiation between coverage levels
- Generali: Follows a more structured model based on predefined tariff combinations with limited flexibility after enrollment
Digital providers, by contrast, emphasize simplified access, English-language support, and fully digital processes.
- ottonova: Fully digital insurer with app-based management for applications, contracts, and claims
- Feather: Expat-focused provider with English-first onboarding and a simplified access model to private health insurance
- Getsafe: Digital platform offering private health insurance via partner insurers with a streamlined and user-friendly interface
Hallesche sits between these approaches, combining predefined tariff structures with rule-based flexibility rather than a fully modular system.
Conclusion
Hallesche follows a structured tariff approach based on predefined benefit levels rather than a fully modular system. Differences arise within and across tariff lines, and NK.select introduces a more flexible framework for adjustments.
Key elements such as income protection and extended international coverage are handled outside the core tariffs, and certain design features – including primary care coordination or capped reimbursement for non-generic medication – directly influence how benefits are accessed in practice.
For expats, this results in a system that offers clear internal logic but requires a closer look at tariff details to fully understand how coverage works in specific situations.
Frequently Asked Questions
Yes. In tariffs such as NK.select, a fixed monthly bonus of up to €1,200 per year is available. This amount is offset against submitted medical expenses, so smaller claims do not eliminate the entire bonus. This differs from models in which bonuses are paid only if no claims are submitted.
Yes. However, in some tariffs, for example, NK.select S, treatment by specialist doctors is reimbursed at a lower rate if not coordinated through a general practitioner.
Hallesche tariffs are structured around predefined levels. In concepts such as NK.select, adjustments within the tariff family are possible at defined points without a new health assessment.
70597 Stuttgart