Have you recently been looking into “private insurance” and heard about the Hallesche NK.select XL Bonus plan for the first time, but don’t know what to look for to judge how “good” this plan really is for you? Let’s explore both the bright and dark sides together, so that in the end, you have a better feeling about whether this plan is right for you, or whether you should look for something else.
Beforehand
There is no insurance plan that is inherently bad. There are only plans that fit your life situation and needs, and plans that don’t. That’s why it’s essential to view these through a neutral lens and ultimately compare: Which insurance benefits do I want to use in the end, and what would I rather do without? Does this plan fit well into my budget? Are my price-performance expectations realistic?
General Information
The Hallesche NK.select XL Bonus is part of a series of plans with various benefit spectrums and is available both without and with deductibles (€600, €1,200, €3,000). It is also a “further development” of the Hallesche NK Bonus plan and has existed since 2022.
Details of the Hallesche NK.select XL Bonus Plan
Outpatient Treatment
Outpatient Treatment
Let’s start in the outpatient area with a regular doctor’s visit. First and foremost, quick appointments are prioritized, but the Hallesche NK.select XL Bonus plan also makes specialist appointments possible without referrals and telephone doctor appointments of all kinds. Furthermore, Hallesche has the largest list of preventive services and lifts the age and diagnosis restrictions of statutory insurance.
Benefits for Outpatient Treatments
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- Regular preventive check-ups: Opportunity for regular preventive examinations such as blood tests, ECGs, etc.
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- New medications: Access to the latest medications on the pharmaceutical market.
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- Therapeutic and medical aids: Therapeutic aids (physiotherapy, physical therapy, medical massages…) and medical aids (wheelchair, prostheses, health apps…) are covered 100%.
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- Vision aids: Budget of €450 for glasses, contact lenses, and frames every two years; for laser and LASIK, there’s a budget of €2,500 per eye every 5 years.
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- Alternative practitioner services: 80% and maximum €2,400 per calendar year for services from the GebüH.
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- Psychotherapy: 90% and without prior approval or session limits.
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- Fee schedule: Benefits are reimbursed even beyond the maximum rates of the fee schedule.
Inpatient Treatment
The NK.select XL Bonus offers you all the inpatient advantages of private insurance. You get a single room and can be treated by the chief physician. You can also go to a private clinic, as long as it doesn’t cost more than twice the treatment in a public clinic.
Inpatient Benefits
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- Single room and chief physician treatment
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- No worries about the fee schedule: Benefits are reimbursed beyond the maximum rates of the fee schedule.
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- Pre- and post-care as well as outpatient surgeries are covered
Dental Treatment
Reimbursements for Dental Treatments
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- Dental treatments: 100% coverage
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- Dental prostheses, inlays, implants (including bone augmentation) and orthodontics: 90% coverage
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- Material lists: Metal, ceramic, or plastic can be used for fillings.
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- Dental scale: Graduated reimbursement for dental services
Curative and Rehabilitative Treatment
Benefits for Spa and Rehabilitation
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- 3-week AHB: Within 28 days after inpatient acute treatment, with prior approval.
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- Inpatient or outpatient spa treatment: Including medical services, medications, dressing materials, therapeutic aids, spa plans, and spa taxes.
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- Spa daily allowance: €20 per day.
General Plan Details
Lump Sum Benefit
The biggest feature of the Hallesche NK tariffs is the guaranteed lump-sum benefit, which is only included in the tariff without deductible. The lump-sum benefit is highest in the NK.select XL Bonus tariff at 100€, which is reimbursed every month.
Advantages of the Lump-Sum Benefit
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- Health budget: 1200€ available to use for smaller medical bills.
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- Success-dependent premium refund: No need to submit bills initially.
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- Keep remaining balance: You can keep the remaining amount for yourself at the end of the year.
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- Preventive services: Do not affect the premium refund.
Disadvantages of the Lump-Sum Benefit
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- Self-responsible management: You must manage the budget responsibly on your own.
Performance-Related Premium Refund (BRE)
Refund Scale
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- 1 year: 1.0 MB
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- 2 years: 1.5 MB
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- 3 years: 2.0 MB
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- 4 years: 2.5 MB
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- 5 years: 3.0 MB
Worldwide Insurance
The Hallesche NK.select XL Bonus insures not only in Germany but worldwide, as long as it concerns medically necessary treatments.
Daily Sickness Allowance
The daily sickness allowance is the sickness benefit of private insurance and can be flexibly designed to cover 100% of the salary.
Major Concerns in Private Health Insurance
Return to Statutory Insurance
By the age of 55, one should decide whether to be privately or statutorily insured for the rest of their life. Before that, there are several ways to return to statutory insurance.
Costs in Old Age
It’s a myth that private insurance becomes too expensive in old age. There are measures like the “premium relief tariff” to avoid high premiums in old age.
Summary
In summary, the Hallesche NK.select XL Bonus tariff is very well suited for many people. However, before you sign up for anything, you should consider the following points:
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- Do I want to take out a premium relief tariff to avoid high premiums in old age?
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- Is it okay for me to forgo spa allowance or to take it out with another company?
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- Am I willing to manage a health budget myself?
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- How high should my daily sickness allowance be, or do I need a daily sickness allowance at all?
Learn More
If you want to learn more about these topics, you can check out our blog.
If you want to learn more about private health insurance for notaries and lawyers, click here
