Hallesche's Supplementary Health Insurance: Plans, Benefits, and Costs

Hallesche has organized its employer-sponsored health insurance offerings into five plan families—FEELfree, FEELfree_friends, FEELfree_plus, FEELfree:up, and FEELfree:up_plus—which together comprise 66 plan options, including combinable modules. What they all have in common is the budget-based approach: Employers select a budget level between 300 and 1,500 euros per year per person, from which insured employees can access outpatient and dental services. Through add-ons such as dental prosthetics, dental treatment, alternative practitioners, vision aids, daily hospital allowance, or Preventive Care Plus, the basic package can be expanded to include inpatient coverage, preventive care, or supplemental long-term care coverage, allowing companies to tailor the scope of coverage to their budget and target audience.

Within the selected budget, outpatient expenses are reimbursed at 100 percent until the annual budget limit is reached. Sublimits apply to certain types of services, such as vision aids, which can only be billed up to a limited portion of the total budget. Where other payers, such as statutory health insurance, are required to provide advance payment—for example, for certain outpatient surgeries at a hospital—their benefits must first be utilized in full and documented before the supplementary health insurance (bKV) steps in to provide additional coverage. Alternative practitioners, osteopaths, and chiropractors are reimbursed up to the maximum amounts specified in the fee schedule for alternative practitioners; for osteopathy and chiropractic, reimbursement may exceed these amounts.

For inpatient care, there are coverage options available that include elective services such as accommodation in a single or double room, private medical treatment by the chief physician, and coverage for one accompanying person for children. In the dental area, depending on the selected coverage option, dental treatment and dental prosthetics can be covered, while professional teeth cleaning and teeth whitening are already included in the benefits catalog. In addition, preventive care modules such as “Preventive Care Plus,” “Preventive Care Premium,” “Dental Prophylaxis,” or “Exhaustion Prevention” can be added. Digital services such as video consultations, a specialist appointment service, a medical hotline, and a second medical opinion are available free of charge to insured individuals and—depending on the module—to family members as well.

Employers with 10 or more employees can set up Hallesche’s supplementary health insurance (bKV). No advance payment from the statutory health insurance is required for basic benefits, which simplifies day-to-day administration. The range of five plan options, each with five budget tiers and additional modules, allows the plan to be tailored precisely to the company’s workforce size and budget.

Family members can be included in the coverage, including through the FEELfree_friends plan, which is specifically designed for this purpose. If an employee leaves the company, private continuation of coverage is only possible through Hallesche’s modular plans, not through the budget plan itself.

With its wide range of plan options and flexibly combinable modules, this offering is suitable for both smaller businesses with 10 or more employees and larger companies that wish to establish a differentiated supplemental health insurance program tailored to specific target groups. Externally, the plan has been rated, among others, by Assekurata with an A+, by Morgen & Morgen with the highest rating of “Excellent” (5/5), by Ascore as “Outstanding,” and by the IVFP as “Excellent.”

• FEELfree (Member) (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options
• FEELfree_friends (Family) (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options
• FEELfree_plus (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options
• FEELfree:up (Budget Plan): Budget tiers: 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options · for companies with 10 or more employees
• FEELfree:up_plus (Budget Plan): Budget tiers 300 / 600 / 900 / 1,200 / 1,500 EUR/year · 5 plan options
• Modules: Medications and Bandages (Module), bKV-K Inpatient (Rate Level I/II), FEELcare (company-sponsored supplemental long-term care), Alternative Practitioners (Module), Daily Hospital Allowance (Module), Daily Sickness Allowance bKV-KT (Continuation of Coverage ZbKV-KTAN), Vision Aids (Module), Inpatient Care for Work-Related Accidents, Inpatient Care for Accidents, Vacation Travel, Preventive Care for Fatigue Prevention, Preventive Care Plus, Preventive Care Premium, Preventive Dental Care, Dental Treatment (Module), Dental Prosthetics (Module)

• Preventive screenings: covered differently depending on the plan
• Alternative practitioners: regulations vary depending on the insurance plan
• Alternative Medicine: Regulations Vary Depending on the Plan
• Osteopathy: included
• Medications and medical supplies: covered differently depending on the plan
• Medications: Regulations vary depending on the plan
• Assistive devices: Regulations vary depending on the plan
• Vaccinations: included depending on the plan
• Travel vaccinations: included depending on the plan
• Vision aids: with a sub-limit within the health care budget
• Professional teeth cleaning: included
• Teeth Whitening: Included
• Daily Hospitalization Benefit: Rules Vary by Plan
• Optional services in hospitals: regulations vary depending on the plan
• Digital Health Services: Video Consultations (MD Medicus) · Specialist Appointment Service · Medical Hotline · Second Medical Opinion
• Budget carryover: governed by different rules depending on the pay scale
• Upon leaving the company: regulations vary depending on the collective bargaining agreement
• Services for Family Members: Regulations Vary Depending on the Plan
• Family Coverage: Rules Vary Depending on the Plan

Premiums for Hallesche’s supplementary health insurance (bKV) are primarily based on the selected budget tier: The higher the agreed-upon annual budget—ranging from 300 to 1,500 euros per person—the more extensive the reimbursable benefits and the higher the premium. Within the budget, outpatient expenses and—depending on the modules selected—dental expenses are reimbursed at 100 percent up to the full budget amount; reimbursement for the current calendar year ends only once this limit is reached.

Any unused budget expires at the end of the year and is not carried over to the following year. If, however, the budget is fully utilized, the individual’s base budget automatically increases by 50 euros each calendar year, up to a maximum additional amount of 200 euros. If the budget increased in this manner is not fully utilized in a given year, it reverts to the original base budget. In the event of a work-related accident requiring hospitalization, the base budget doubles for the current year and the following year.

Additional coverage options, such as dental prosthetics, daily hospital allowance, or optional inpatient services, are treated as separate premium components and are calculated independently of the base premium, as they have their own benefit limits and reimbursement rules.

• Assekurata: A+ · 2026 — Rating
• Morgen & Morgen: Excellent (5/5) · 2025 — Rating
• Ascore: Outstanding · 2024 — Rating
• IVFP: Excellent · 2024 — Rating