Anyone arriving in Germany from abroad quickly discovers that the health system is above all a bureaucratic matter. Visa, residence permit, employer subsidy – without the right proof of insurance, not a single piece of paper moves.
Hi.Germany by Hallesche Krankenversicherung (ALH Group) exists for precisely this gap: German private comprehensive health insurance tailored to international professionals, freelancers and expats who live and work in Germany with a fixed-term residence permit of up to five years.
The decisive difference from many international plans: Hi.Germany is a German private health insurance plan from a German insurer. That considerably simplifies dealings with authorities, the employer subsidy and a later switch within Hallesche.
Book a free initial consultationCreate your Hi.Germany quote now
Budget-friendly basic cover for outpatient treatment and inpatient hospital care. Sensible if your health is stable and you want to keep the premium low.
Full cover including a single room, chief physician treatment, naturopathic treatment and psychotherapy. The last point is decisive for many expats: arranging psychotherapy inside an unfamiliar health system is difficult without the corresponding module.
Both Medical tiers can be combined with dental cover. Dental treatment is one of the most frequent and most expensive items that basic plans cover only to a limited extent – in most cases the module is worth it.
A good fit if: you have a fixed-term residence permit, work in Germany or are active as a freelancer, want to use the employer subsidy and prefer a German contract structure.
Less suitable if: you are employed subject to social insurance below the income threshold – statutory insurance generally applies then. Comprehensive cover is also oversized for short visits or a semester abroad; for that, look at Care Concept. If you only use Germany as a stopover and travel internationally a great deal, Cigna Global or Foyer Global Health may have the better structure.
Would you like to calculate a non-binding quote for Hi.Germany online right away? Use Hallesche's digital application route:
If you would rather talk first – for example about pre-existing conditions, family members or an unclear status question – contact us on WhatsApp (+49 151 28937141) or via the contact form. Supplementary modules to statutory insurance are described under supplementary insurance to statutory health insurance.
For international professionals, freelancers and expats living and working in Germany with a fixed-term residence permit of up to five years. Anyone employed subject to social insurance below the income threshold generally falls under statutory insurance instead.
Yes. The plan has no minimum contract term and provides a monthly right of cancellation. That matters particularly if your project ends early, you change countries or you later move into statutory health insurance.
The plan is fully eligible for an employer subsidy. This means your employer contributes to the premium within the statutory framework, as it would with statutory health insurance.
Hi.Medical S is the budget-friendly basic cover for outpatient and inpatient treatment. Hi.Medical L adds a single room, chief physician treatment, naturopathic treatment and psychotherapy. Both tiers can be combined with Hi.Dental cover.
A switch into Hallesche's regular plans is provided for. That is one of the advantages over purely international solutions: you do not have to start again with a new insurer if your stay becomes permanent.
Want to know whether Hi.Medical S or L fits you and how large your employer subsidy would be? Book a free initial consultation or start the insurance check.
We broker Hi.Germany by Hallesche to international professionals and freelancers settling in Germany – with clear guidance on visa, employer subsidy and the path afterwards.
Residence permits have deadlines. We answer via WhatsApp, video call or phone – in German and English.
You see what separates S from L, what Hi.Dental adds and how the deductible affects your premium.
Employed, freelance or posted – first we clarify whether private comprehensive cover is the right route at all.
When your residence permit is extended or you move into regular Hallesche plans, we accompany the transition.
