Hallesche Krankenversicherung
Premiums from
EUR 355/mo
Overview
Hallesche is a specialist health insurer focused exclusively on health and nursing care insurance. This specialization means their entire operation is dedicated to health coverage, resulting in consistently high ratings from independent testing organizations like Stiftung Warentest and Franke & Bornberg.
Key Facts
Founded
1934
Headquarters
Stuttgart
Customers
800,000+
Type
Full comprehensive PKV
Pros & Cons
Pros
- Part of the ALH Gruppe providing strong financial backing
- Excellent NK tariff line consistently rated top by Stiftung Warentest
- Innovative PRIMO.LIFE digital health platform
- Strong coverage for outpatient psychotherapy
- Competitive premiums for young professionals
Cons
- Smaller customer base means fewer peer experiences to reference
- Limited physical office presence outside major cities
- Brand awareness is lower than major competitors
Coverage Highlights
Top-rated NK tariff with comprehensive outpatient coverage
Chief physician and single room hospital coverage
Dental coverage up to 100% after initial years
Extensive psychotherapy and mental health coverage
PRIMO.LIFE digital health management platform
Generous preventive care budgets
Tariff Information
Hallesche's flagship NK tariff line (NK.1, NK.2, NK.3, NK.select) offers graduated coverage levels. The NK.1 is their premium product with near-complete coverage. Deductibles from 0 to 1,200 EUR.
Note for Expats
Hallesche's specialist focus means deep expertise in health insurance, though English-language services are limited. Their PRIMO.LIFE platform offers some digital tools accessible to non-German speakers. Broker support is strongly recommended.
Claims Process
Hallesche offers digital claims submission through their app and the PRIMO.LIFE platform. Processing is typically completed within 5-7 business days. They provide detailed annual statements and support direct billing at partner hospitals.
Best For
Quality-conscious expats who want top-rated tariffs from a specialist health insurer
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