Hallesche supplementary insurance – the GKV upgrade

Statutory health insurance? Time for an upgrade!

Not every expat in Germany needs private full insurance. With a standard employed job you usually end up in statutory health insurance (GKV).

The catch: GKV provides solid basic care but has noticeable gaps. Cost-efficiency rules often mean standard treatment, long waits and high out-of-pocket costs. Hallesche supplementary plans close those gaps easily.

Key upgrades for your GKV setup

• Dental (Hi.Dental): Statutory cover often pays only a small share for dental prosthetics. For implants, inlays or professional cleaning without worry, this is your cost protection.
• Hospital upgrade: Turn your GKV hospital stay into a private room with chief physician choice when it matters.
• Sick pay plus (income protection): After 6 weeks of illness employer sick pay ends. Statutory sick pay is much lower than your net income. We close that gap so rent keeps getting paid.
• Outpatient upgrade: Subsidies for glasses, contact lenses or alternative therapies your statutory fund typically does not cover.

Why Spreefinanz?

We are not a dusty insurance corner shop. We review your country of origin, residence status and real plans in Germany to build the right setup – fully digital, straightforward and on equal terms.

Close the gaps – request advice now

Calculate and apply online

Choose the right supplementary plan – one click opens the Hallesche (ALH Group) digital application with Spreefinanz attribution. All plans are also listed on Insurance Check.