Hallesche

Overview

Hallesche is part of the ALH Group (together with Alte Leipziger) and is based in Stuttgart. While not the largest insurer, Hallesche has carved out a strong niche especially among freelancers and self-employed professionals. Their tariffs are designed with the self-employed in mind, offering flexibility and competitive pricing for those who don't have an employer contributing to their premiums. Hallesche is also known for competitive family rates, making it popular with self-employed parents.

Pros & Cons

Coverage Highlights

• Tailored tariffs for freelancers and self-employed
• Hospital coverage with private room and specialist options
• Strong outpatient and preventive care coverage
• Good dental plans with high reimbursement
• Competitive family and children's rates
• Flexible deductible options to manage monthly costs

Tariffs & Pricing

Hallesche's NK tariff line is specifically designed for self-employed customers who pay the full premium without employer contribution. Deductible options range from €0 to €1,200+, allowing freelancers to balance monthly outflow against out-of-pocket risk. For families, Hallesche's children's tariffs are competitively priced. Employees can also benefit from Hallesche's standard tariffs, though the insurer's main competitive edge is in the self-employed segment.

Claims Process

Claims processing is reliable, with most outpatient claims handled within 7-10 business days. Hallesche offers an app for digital claims submission, though it's less polished than those of larger competitors. Direct hospital billing is available with partner clinics.

For Expats