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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeStrong Hallesche plan for employees with a single room, private doctor and reimbursement above the maximum rates of the fee schedule, plus a guaranteed bonus of €100 per month that is paid out directly if you make no claims.
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The Hallesche NK.select XL Bonus is in our selection for employees because it combines a high benefit level with an unusual refund model. 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 plan therefore mainly rewards people who submit little, and in years with many claims it works like a buffer rather than a real extra benefit. The plan is especially strong for families, which shows in family friendliness of 9 out of 10 points: 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 →, one child is covered free of premium until the end of the first year of life. For the benefit level we see broad coverage at 8 out of 10 points, from a single room and private doctor to reimbursement above the maximum rates of the fee schedule, and we rate claims handling at 8 out of 10 points. For premium stability we deliberately stay in the middle range at 6 out of 10 points, because Hallesche has not shown a consistently calm history in the past.
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 , 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 XL 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.
For outpatient, inpatient and dental care the plan also reimburses fees above the maximum rates of the GOÄ and GOZ. That is exactly where many specialists bill, and in a serious case this line decides your own share. On top of that come a single room and private doctor treatment in hospital.
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 free choice of doctor in everyday life and the reimbursement of private doctors' fees. The most important line is the fee schedule: the plan also reimburses above the maximum rates of the GOÄ, and that is where many specialists bill.
Free choice of doctor, no primary doctor principle
Reimbursement also above the maximum rates
Programs introduced by law without an age limit, plus further checkups according to Hallesche's list
Reimbursed, plus medicine-like nutritional products where strictly necessary
100% up to the maximum amounts in Hallesche's price and benefit directory, including occupational therapy, speech therapy and podiatry
Open catalog of medical aids at 100%, digital health applications in the statutory directory at 100%, beyond that 80% up to €1,600 per year
80% up to €2,400 per calendar year according to the GebüH, naturopathic treatment at 100%
Up to €450 for glasses and contact lenses (again after 2 years or from a change of 0.5 diopters), up to €2,500 per eye for surgical vision correction including Lasik
90% without a limit on the number of sessions, without prior approval
Telephone and video consultations with doctors at 100%
In hospital the gap between basic cover and premium cover is clearest. This plan fully covers the optional hospital services and pays a substitute daily allowance if you do without them.
Single room
Private doctor treatment, GOÄ also above the maximum rates
€50 if you do without a single and two-bed room, €20 if you do without the single room, €60 if you do without private doctor treatment
Reimbursement, for general hospital services limited to 2 times the costs of a hospital that bills at regular rates
Reimbursed without prior approval
After prior approval, without approval in an emergency and for surgery
Outpatient surgery as well as treatment before and after a hospital stay are reimbursed
Covered for children up to age 16
Dentures are one of the most common reasons for a claim. The plan reimburses dental treatment in full, but for dentures and orthodontics a small share of your own remains. What you need to know are the dental benefit limits in the first years.
100%, including root canal and periodontal treatment, prophylaxis and professional teeth cleaning
90%, including crowns, bridges and veneers
90%, including bone grafting
90%
Reimbursement also above the maximum rates of the GOZ and GOÄ
At most €1,500 in the 1st calendar year, €3,000 in the first 2, €4,500 in the first 3, €6,000 in the first 4 years, no limit from the 5th year (from the 4th with a documented dental bonus booklet), 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 comfort, especially when your life situation changes.
One child free of premium until age 1 if the child is insured in the plan NK.select XL 1200 and the contract is not canceled before age 3
Children can be insured alone from age 6
100% after prior approval for organic infertility, woman before age 40, with limits on the number of attempts
Outside Europe up to 6 months, can be extended by 2 months, medically necessary repatriation included
Follow-up rehabilitation as well as outpatient and inpatient health cures, plus €20 per day for up to 28 days after a hospital stay of at least 14 days
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 part of this plan. It covers outpatient, inpatient and dental benefits, 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. As an employee you need Krankentagegeld from the end of continued pay during illness, usually from the seventh week. We add 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.
Broad benefit level (8 out of 10 points for benefit coverage) with a single room, private doctor and reimbursement above the maximum rates of the fee schedule, for outpatient and inpatient care.
Very family-friendly (9 out of 10 points): one child covered free of premium until the end of the first year of life, plus fertility treatment and a companion in hospital.
Guaranteed bonus of €100 per month, paid out directly and monthly if you make no claims.
Outpatient and inpatient psychotherapy without prior approval of benefits, medical aids through an open catalog at 100 percent.
Fast claims handling (8 out of 10 points), dental treatment including professional teeth cleaning at 100 percent.
The bonus is not a pure gift. In years with claims, the entire annual bonus is offset against the reimbursement, so the advantage mainly applies if you make no claims.
We rate premium stability at only 6 out of 10 points. Hallesche's history in this plan segment has not been consistently calm, and you should factor in future adjustments.
The dental benefit limits cap dental benefits in the first four years at €1,500 to €6,000, with a documented dental bonus booklet the limit no longer applies from the fourth year. If you plan larger dentures soon, you should take this into account. A dental findings report does not lift the limit.
The plan has neither an option right for higher-level cover nor a simplified right to change plan. The statutory right to switch under § 204 VVG still applies.
A strong plan 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 employees above the JAEG JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → who want a high benefit level and expect few bills, because then the monthly bonus pays off. For families it is one of the stronger options in our selection, from covering a child free of premium to fertility treatment.
It is less suitable if you regularly expect treatment and bills, because the offsetting then wipes out the bonus. If you put maximum premium stability first, you should also check the alternatives from our comparison.
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.
Yes. As a privately insured employee you receive the employer contribution of half your premium, up to the statutory maximum. The contribution applies no matter which plan you choose.
Within Hallesche you can switch to similar plans using the right to change plan under § 204 VVG, and you keep your ageing reserves. However, this plan has no simplified right to switch to higher-level plans and no option right, so the benefit level should fit from the start.
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.
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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.
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