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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeSolid Hallesche plan for the self-employed without a deductible, with a guaranteed bonus of €100 per month and basic inpatient cover in a multi-bed room.
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The Hallesche NK.select S Bonus is in our selection for the self-employed because it combines a low-cost entry without a deductible with an unusual bonus model. We rate the premium level at 8 out of 10 points, meaning the premium is low. Instead of a classic annual payout, Hallesche credits €100 each month as a guaranteed bonus and pays it out directly. If you claim benefits during the year, the accumulated bonus is offset against the reimbursement. The letter S stands for a deliberately lean inpatient module. The plan covers a multi-bed room and standard doctor treatment, not a single room or a private doctor. We rate the benefit level at 7 out of 10 points, family friendliness and claims handling at 8 out of 10 points each, and premium stability at 6 out of 10 points in the middle range.
The guaranteed bonus of €100 per insured month is paid out monthly instead of once a year. If you claim benefits, the entire annual bonus is offset against the reimbursement. Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not affect this. The requirement is paying the premium by direct debit.
Through the Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung →, a newborn is covered free of premium until the end of the first year of life if the child is insured in the plan NK.select S 1200 and the contract is not canceled before the third year of life. The requirement is that the parent has been insured in the plan for at least eight months before the birth.
The plan has no fixed deductible at all. It compensates for claim-free periods through the monthly bonus. This makes ongoing costs predictable as long as you submit few bills.
Five key figures from our plan analysis, each on a scale from 1 to 10. They are based on the plan terms, the premium histories and our experience from advisory practice.
How much the cover really pays in a serious case.
How reliably premiums have developed in the past.
How quickly and fairly bills are reimbursed.
Terms for children and co-insured family members.
10 means a comparatively low premium. Low values stand for a higher premium.
The core benefits from the plan terms, grouped by area. Open an area to see the details.
Outpatient care decides your choice of doctor and the reimbursement of private doctors' fees. The plan works with a family doctor principle: if the first treatment is arranged through it, you get full reimbursement.
Family doctor principle: 100 percent for first treatment by a family doctor or a telemedicine doctor, otherwise 75 percent
Reimbursement up to the maximum rates of the GOÄ
Telephone and video consultations with doctors at 100 percent
Statutory programs without an age limit, plus further checkups according to Hallesche's list
80 percent up to €4,000 of invoices per year, 100 percent above that, generics at 100 percent
80 percent up to €4,000 of invoices per year, 100 percent above that
Open catalog of medical aids at 100 percent from €350 through the insurer, otherwise 80 percent up to €4,000 per year
70 percent without a limit on the number of sessions, without prior approval
Up to €150, new entitlement after 2 years or from a change of 0.5 diopters
In hospital this plan is deliberately kept lean. It covers the standard case in a multi-bed room with standard and affiliated doctor treatment, not the private optional hospital services.
Multi-bed room
Standard and affiliated doctor services, affiliated doctor up to the maximum rates of the GOÄ
No substitute daily hospital allowance, as no single or two-bed room and no private doctor treatment are insured
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
Reimbursed, without prior approval
After prior approval, without it in emergencies and defined cases
Covered for children up to age 16
The plan reimburses dental treatment in full, but with dentures at 70 percent a noticeable share of your own remains. What you need to know are the dental benefit limits, which start low.
100 percent, including root canal and periodontal treatment, professional teeth cleaning once a year at 100 percent
70 percent, including crowns, bridges and veneers
70 percent, including bone grafting
70 percent
Reimbursement up to the maximum rates
At most €500 in the 1st year, €1,000 up to the 2nd, €1,500 up to the 3rd, €2,000 up to the 4th year, €4,000 per year from the 5th year, no limit after an accident
The plan has no fixed deductible. It compensates for claim-free periods through the bonus, which is paid monthly but offset against the reimbursement in years with claims.
No fixed deductible in the plan
€100 per insured month, paid out monthly
If you claim benefits, the entire annual bonus is offset against the reimbursement
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not affect the bonus
Premium payment by direct debit
In addition to the monthly bonus there is a second, performance-based refund after claim-free years. Both rely fully on having no claims, and preventive care does not count against you.
€100 per month, €50 per month until the end of the year in which the insured person turns 20
€300 after 1, €400 after 2, €500 after 3, €600 after 4, €700 after 5, €800 after 6 claim-free years
Receive the same performance-based refund
If cover starts during the year, no performance-based refund is paid in the first year
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
Beyond the core benefits, the family and travel rules shape everyday life. Here the plan is strong on the Kindernachversicherung and has limits on repatriation.
One child free of premium until age 1 if the child is insured in the plan NK.select S 1200 and the contract is not canceled before age 3
Children can be insured alone from age 6
Not reimbursed
Outside Europe up to 6 months, can be extended by 2 months, repatriation is not reimbursed
Follow-up rehabilitation as well as outpatient and inpatient health cures are reimbursed
The NK.select S Bonus is comprehensive outpatient and inpatient insurance, and the Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer. is added. Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → is not included. As a self-employed person you have no continued pay during illness, so Krankentagegeld from a chosen day belongs in every calculation. We set the right daily rate in our advice.
All benefit details come from the insurer's plan terms and are summarized in simplified form. Only the insurance conditions are binding. In a consultation we check the details for your situation.
No plan is the right choice for everyone. This is what speaks for this combination, and this is what you should know.
Low starting premium (8 out of 10 points) with no fixed deductible at all.
Guaranteed bonus of €100 per month, paid out directly and monthly if you make no claims.
Family-friendly (8 out of 10 points): one child is covered free of premium until the end of the first year of life.
Fast claims handling (8 out of 10 points), outpatient psychotherapy without a limit on the number of sessions and without approval.
Medicines and remedies with a high annual limit and full reimbursement from €4,000, digital health applications included.
The inpatient module is deliberately lean: a multi-bed room and standard doctor, no single or two-bed room and no private doctor. If you want the chief physician, you need a higher level.
Alternative practitioner benefits are not reimbursed, repatriation from abroad is not reimbursed either, and fertility treatment is not included.
The bonus is not a pure gift. In years with claims, the entire annual bonus is offset against the reimbursement.
Dentures are reimbursed at 70 percent, and the dental benefit limits start low at €500 in the first year. For outpatient care a family doctor principle applies.
A plan without a deductible only pays off if your application is accepted cleanly. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
The plan suits the self-employed and freelancers who want a low-cost entry without a deductible, are satisfied with standard cover in a multi-bed room and expect few bills, because then the monthly bonus pays off.
It is less suitable if you expect a single or two-bed room with a private doctor, reimbursement for alternative practitioners or repatriation from abroad. For these cases we show you better alternatives from our comparison in our advice.
Hallesche credits you €100 per insured month as a guaranteed bonus and pays it out monthly. If you claim benefits during the year, the entire accumulated annual bonus is offset against your reimbursement. Preventive care, vaccinations, prophylaxis and professional teeth cleaning are excluded from this. The requirement is paying the premium by direct debit.
You can claim the basic share of your premium, meaning cover at the level of statutory basic care, as pension and insurance expenses for tax purposes. We explain the details and maximum amounts under deducting private health insurance from tax.
Within Hallesche you can switch to similar plans using the right to change plan under § 204 VVG, for example to a level with a single or two-bed room. You keep your ageing reserves. However, this plan has no simplified right to switch to higher-level plans and no option right.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Hallesche's specific adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
The five key figures come from our ongoing plan analysis. They are based on the plan terms, the published premium histories and our experience with claims handling from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
The LKH plan for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who the strong plan with a high refund suits.
View plan →The Allianz combination with a top-up plan for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The ARAG plan with a fixed deductible for the self-employed reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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