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Stay calm
A premium increase often seems drastic at first. But it is not an automatic reason to cancel. First check how large the adjustment really is and which benefits you get for your premium.
Hallesche premium increase 2026: options & alternatives
For adults, the Hallesche premium increase 2026 is around 7 to 22 percent depending on the plan. Here you can find out about your rights and options.
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Premium increase at Hallesche: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Hallesche
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
Below you can find two overviews of the plan adjustments of Hallesche Krankenversicherung for 2026: one for employees, self-employed and freelancers and one for doctors' plans.
Plan adjustment for employees, self-employed, freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| KS.1 | 0% | 19% | 0% | 0% | 0% | 0% | 0% |
| KS.2 | 0% | 20% | 0% | 0% | 0% | 0% | 0% |
| KS.3 | 0% | 20% | 0% | 0% | 0% | 0% | 0% |
| KS.Bonus | 0% | 15% | 0% | 0% | 0% | 0% | 0% |
| NK.1 | 19% | 20% | 10% | 10% | 10% | 10% | 10% |
| NK.2 | 19% | 20% | 10% | 10% | 10% | 10% | 10% |
| NK.3 | 19% | 21% | 11% | 11% | 11% | 11% | 11% |
| NK.4 | 19% | 20% | 11% | 10% | 10% | 10% | 10% |
| NK.Bonus | 14% | 16% | 9% | 9% | 9% | 9% | 9% |
| NK.select XL 1200 | 19% | 20% | 10% | 10% | 10% | 9% | 9% |
| NK.select XL 3000 | 21% | 17% | 9% | 9% | 9% | 9% | 9% |
| NK.select XL 600 | 19% | 21% | 10% | 10% | 9% | 9% | 9% |
| NK.select XL Bonus | 16% | 17% | 8% | 8% | 8% | 8% | 8% |
| PRIMO. Bonus Z Plus | 21% | 22% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.Bonus Z | 21% | 21% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 1 Z | 25% | 26% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 1 Z Plus | 25% | 26% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 2 Z | 25% | 25% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 2 Z Plus | 25% | 26% | 0% | 0% | 0% | 0% | 0% |
| PRIMO. SB3 Z | 25% | 25% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 3 Z Plus | 25% | 26% | 0% | 0% | 0% | 0% | 0% |
| NK.select L 1200 | 19% | 20% | 9% | 9% | 9% | 9% | 9% |
| NK.select L 3000 | 21% | 16% | 9% | 9% | 9% | 9% | 9% |
| NK.select L 600 | 19% | 21% | 9% | 9% | 9% | 9% | 9% |
| NK.select L Bonus | 15% | 17% | 7% | 7% | 7% | 8% | 8% |
| NK.select S Bonus | 28% | 22% | 14% | 13% | 11% | 9% | 7% |
| NK.select S 1200 | 40% | 29% | 22% | 19% | 16% | 12% | 9% |
| NK.select S 3000 | 43% | 37% | 22% | 16% | 12% | 7% | 2% |
| NK.seclect S 600 | 41% | 33% | 21% | 17% | 15% | 12% | 9% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MAS.1 | 0% | 0% | 15% | 16% | 16% | 16% | 15% |
| MAS.2 | 0% | 0% | 25% | 25% | 25% | 25% | 25% |
| MAS.3 | 0% | 0% | 26% | 26% | 26% | 26% | 25% |
| MAS.Bonus | 0% | 0% | 14% | 14% | 14% | 14% | 14% |
Premium adjustments 2025
The premium increases of Hallesche Versicherung 2025 take effect on January 1, 2025. Above all, plans for children and young people rise sharply, but premiums for older policyholders also rise considerably in some cases.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| KS.1 | 12% | 24% | 9% | 8% | 8% | 8% | 8% |
| KS.2 | 12% | 23% | 14% | 14% | 13% | 13% | 13% |
| KS.3 | 12% | 24% | 9% | 9% | 9% | 9% | 9% |
| KS.Bonus | 6% | 18% | 8% | 7% | 7% | 7% | 7% |
| NK.1 | 17% | 24% | 6% | 6% | 5% | 5% | 6% |
| NK.2 | 17% | 24% | 6% | 6% | 5% | 5% | 6% |
| NK.3 | 17% | 24% | 16% | 16% | 15% | 16% | 17% |
| NK.4 | 17% | 25% | 6% | 5% | 5% | 5% | 5% |
| NK.Bonus | 12% | 19% | 5% | 5% | 5% | 5% | 5% |
| NK.select XL 1200 | 17% | 24% | 9% | 9% | 9% | 9% | 9% |
| NK.select XL 3000 | 15% | 27% | 9% | 9% | 9% | 9% | 9% |
| NK.select XL 600 | 17% | 24% | 10% | 10% | 10% | 10% | 10% |
| NK.select XL Bonus | 14% | 20% | 7% | 8% | 8% | 8% | 8% |
| PRIMO. Bonus Z Plus | 0% | 0% | 4% | 5% | 6% | 7% | 8% |
| PRIMO.Bonus Z | 0% | 0% | 5% | 5% | 6% | 6% | 7% |
| PRIMO.SB 1 Z | 0% | 0% | 5% | 6% | 6% | 7% | 8% |
| PRIMO.SB 1 Z Plus | 0% | 0% | 5% | 6% | 6% | 7% | 8% |
| PRIMO.SB 2 Z | 0% | 0% | 8% | 9% | 9% | 9% | 10% |
| PRIMO.SB 2 Z Plus | 0% | 0% | 8% | 9% | 9% | 10% | 10% |
| PRIMO. SB3 Z | 0% | 0% | 10% | 10% | 10% | 10% | 11% |
| PRIMO.SB 3 Z Plus | 0% | 0% | 10% | 11% | 11% | 11% | 12% |
| NK.select L 1200 | 16% | 24% | 10% | 9% | 9% | 10% | 10% |
| NK.select L 3000 | 16% | 27% | 12% | 11% | 11% | 11% | 11% |
| NK.select L 600 | 17% | 24% | 10% | 9% | 9% | 10% | 10% |
| NK.select L Bonus | 14% | 20% | 7% | 7% | 7% | 8% | 8% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MAS.1 | 28% | 26% | 15% | 15% | 15% | 15% | 15% |
| MAS.2 | 28% | 26% | 0% | 0% | 0% | 0% | 0% |
| MAS.3 | 28% | 26% | 0% | 0% | 0% | 0% | 0% |
| MAS.Bonus | 20% | 20% | 14% | 14% | 13% | 13% | 14% |
Premium adjustments 2024
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| KS.1 | 14% | 12% | 10% | 10% | 9% | 9% | 9% |
| KS.2 | 14% | 9% | 5% | 5% | 5% | 5% | 5% |
| KS.3 | 14% | 0% | 0% | 0% | 0% | 0% | 0% |
| KS.Bonus | 9% | 9% | 9% | 9% | 9% | 9% | 9% |
| NK.1 | 4% | 22% | 7% | 8% | 8% | 9% | 10% |
| NK.2 | 11% | 9% | 9% | 10% | 10% | 10% | 11% |
| NK.3 | 4% | 5% | 0% | 0% | 0% | 0% | 0% |
| NK.4 | 4% | 22% | 15% | 15% | 15% | 14% | 14% |
| NK.Bonus | 9% | 7% | 8% | 9% | 9% | 9% | 10% |
| NK.select XL 1200 | 11% | 9% | 10% | 11% | 11% | 11% | 11% |
| NK.select XL 3000 | 4% | 19% | 9% | 10% | 10% | 10% | 10% |
| NK.select XL 600 | 4% | 5% | 10% | 11% | 11% | 11% | 11% |
| NK.select XL Bonus | 9% | 7% | 8% | 9% | 9% | 9% | 9% |
| PRIMO. Bonus Z Plus | 13% | 13% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.Bonus Z | 13% | 11% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 1 Z | 16% | 13% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 1 Z Plus | 16% | 15% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 2 Z | 16% | 10% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 2 Z Plus | 16% | 11% | 0% | 0% | 0% | 0% | 0% |
| PRIMO. SB3 Z | 16% | 25% | 0% | 0% | 0% | 0% | 0% |
| PRIMO.SB 3 Z Plus | 16% | 27% | 0% | 0% | 0% | 0% | 0% |
Plan adjustment for training plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| SB KS.1 | 0% | 0% | 3% | 4% | 0% | 0% | 0% |
| SB KS.2 | 0% | 0% | 13% | 18% | 0% | 0% | 0% |
| SB KS.Bonus | 0% | 0% | 3% | 4% | 0% | 0% | 0% |
| SB MAS.2 | 0% | 0% | 9% | 21% | 0% | 0% | 0% |
| SB MAS.3 | 0% | 0% | 4% | 4% | 5% | 5% | 4% |
| SB NK.2 | 0% | 0% | 7% | 13% | 0% | 0% | 0% |
| SB NK.Bonus | 0% | 0% | 6% | 10% | 0% | 0% | 0% |
| SB NK.select XL 1200 | 0% | 0% | 7% | 6% | 0% | 0% | 0% |
| SB NK.select XL 3000 | 0% | 0% | 7% | 6% | 0% | 0% | 0% |
| SB NK.select XL 600 | 0% | 0% | 7% | 6% | 0% | 0% | 0% |
| SB NK.select XL Bonus | 0% | 0% | 4% | 4% | 0% | 0% | 0% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MAS.1 | 22% | 16% | 0% | 0% | 0% | 0% | 0% |
| MAS.2 | 22% | 15% | 4% | 5% | 4% | 4% | 5% |
| MAS.3 | 22% | 15% | 5% | 5% | 5% | 5% | 5% |
| MAS.Bonus | 15% | 11% | 0% | 0% | 0% | 0% | 0% |
Figures in percent of the previous premiums, by entry age (years). "Guarantee" means a premium guarantee without adjustment. "Pending" means an adjustment that has been announced but whose amount has not yet been communicated.
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Switching to private health insurance is probably not advisable for you.
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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Financial stability of Hallesche compared
Hallesche is an established private health insurer based in Stuttgart. Its focus is on full cover and supplementary insurance. The following figures put the financial position into context, each compared with the insurer's own ten-year average and the industry average (as of 2024).
4.6
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
22.9%
RfB ratio
Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.
27.7%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
| Indicator | Hallesche 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 22.9% | 37.4% | 37.4% |
| RfB allocation ratio | 10.4% | 12.1% | 10.5% |
| Equity ratio | 27.7% | 29.3% | 20.9% |
| Net interest yield | 2.8% | 2.9% | 2.8% |
| Administrative cost ratio | 2.6% | 2.6% | 2.9% |
| Claims ratio | 76.1% | 75.0% | 75.1% |
| Acquisition cost ratio | 11.2% | 8.9% | 8.0% |
| Complaints ratio (per 100,000) | 4.6 | 4.9 | 2.8 |
How to read the financial position
Hallesche shows an uneven picture compared with the industry. Low administrative costs speak for stable premiums. Points to note are a provision for premium refunds below the industry average and an increased complaints ratio. Hallesche belongs to the ALH Group, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within Hallesche?
Your ageing reserves are kept in full with an internal change under § 204 VVG. Only a switch to another insurer means that the calculated reserves are lost.
On what basis does Hallesche increase the premium?
An adjustment is only permitted under the conditions of § 203 VVG. It requires a lasting change in benefit expenditure or mortality rates and must be reviewed and approved by an independent trustee.
How quickly do I need to respond?
A fixed deadline applies above all to the special right of termination under § 205 (4) VVG, namely two months after receipt of the notice. You can approach the internal change under § 204 VVG with more flexibility in timing.
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Switching to private health insurance is probably not advisable for you.
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.
Please choose a day
Loading free appointments
Your appointment is booked
The confirmation is on its way to your inbox.
