HALLESCHE

What HALLESCHE does

HALLESCHE (legal name: Hallesche Krankenversicherung auf Gegenseitigkeit) is a German mutual private health insurer (PKV) founded in 1934 and headquartered in Stuttgart, operating as a member of the ALH Gruppe financial services conglomerate. The company underwrites full private health insurance for individuals (employees, self-employed, civil servants, medical professionals, students, and international clients) and a growing book of corporate health insurance (Betriebliche Krankenversicherung) under the FEELfree family of products. Its portfolio also includes supplementary lines — dental (Zahnzusatz, including the Stiftung Warentest 'Sehr gut' rated GIGA.Dent), hospital (Krankenhauszusatz), nursing care (Pflegezusatz, including OLGAflex and FÖRDERbar), daily sickness allowance (Krankentagegeld), and foreign travel health insurance (Auslandsreisekrankenversicherung). A specialized 'Medizinerkonzept' serves doctors and dentists.

The company operates a digital platform spanning the fin4u customer portal, the Hallesche4u mobile app, online product calculators, and integrations with German digital health infrastructure including electronic prescriptions (E-Rezept), electronic patient records (ePA), digital therapeutics (DiGA), and physician video consultations (Videosprechstunde). Technology governance is handled via Usercentrics consent management, Tealium IQ tag management, and on-premise German-hosted analytics.

As a Versicherungsverein auf Gegenseitigkeit, Hallesche is owned by its policyholders rather than external shareholders, with surpluses retained for member benefit. Revenue is generated through recurring monthly and annual insurance premiums, priced individually based on age, health status, and chosen tariff. Distribution combines direct website sales, an in-house call center (0711 6603-6603), the ALH Gruppe advisory network, a dedicated business customer sales division, and a multi-channel paid acquisition stack across Google, Meta, LinkedIn, Microsoft, Outbrain, Seedtag, and FinanceAds affiliates.

Name

HALLESCHE

Legal name

Hallesche Krankenversicherung auf Gegenseitigkeit

Website

https://hallesche.de

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

101–250 employees

Short description

Hallesche is a German mutual private health insurer (PKV), founded 1934 and part of the ALH Gruppe, offering full and supplementary health insurance plus digital services to individuals, medical professionals, civil servants, international clients, and corporate clients in Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Oberursel

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Private Health Insurance Premiums: Hallesche generates revenue primarily through private health insurance (PKV) premiums charged to policyholders. Premiums are based on the insured person's risk profile, age, and chosen tariff. As a mutual insurance association (Versicherungsverein auf Gegenseitigkeit), surpluses are retained for policyholder benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels11 records

Core offering

Hallesche Krankenversicherung is a German mutual private health insurer that sells full Private Krankenversicherung (PKV) coverage, supplementary insurance products (dental, hospital, nursing care, daily sickness allowance), foreign travel health insurance, and corporate health insurance (bKV). The company also offers a digital services layer including the fin4u customer portal, the Hallesche4u mobile app for invoice submission, video doctor consultations, e-prescription (E-Rezept) and electronic patient record (ePA) integration. It operates exclusively on the German market, with a specialized Medizinerkonzept for physicians and dentists.

Product overview

HALLESCHE is a private health insurance company (Private Krankenversicherung) operating within the ALH Group, offering a comprehensive portfolio of insurance products and digital services. The core offering consists of full private health insurance coverage for various customer segments (employees, self-employed, civil servants, medical professionals, students, and international clients), supplemented by a range of add-on insurance products including dental, hospital, nursing care, daily sickness allowance, and foreign travel health insurance. The company differentiates through specialized products like the Medizinerkonzept for doctors and dentists, as well as a comprehensive corporate health insurance (bKV) offering with products such as FEELfree:up, FEELfree, and FEELcare. Digital services are a key component of the offering, including the fin4u customer portal for contract management, the Hallesche4u mobile app for invoice submission, electronic prescription (E-Rezept), electronic health record integration (Hallesche4u ePA), video consultation services with doctors, and access to approved digital health applications (DiGA). The product portfolio is completed by option tariffs providing future conversion rights to private health insurance.

Differentiator

Problem solved

Functional benefit

Brands

• Hallesche4u: Mobile app for submitting medical bills digitally to Hallesche
• fin4u
• FEELfree
• FEELcare
• FEELfree:up
• Work and Care
• Vorsorge-Schecks
• AIRbag
• Kolumbus
• OLGAflex
• FÖRDERbar
• ZahnZusatz
• Clinic
• Krankentagegeld

Products and services

• Private Krankenversicherung (Full Private Health Insurance) Full private health insurance coverage offering comprehensive medical protection with customizable plans (e.g., NK.select XL + URZ, PVN) for employees, self-employed, civil servants, and medical professionals, including doctor choice, hospital stays, and ambulatory treatment.
• Zahnzusatzversicherung (Dental Supplemental Insurance) Supplemental dental insurance covering additional dental treatments beyond standard health insurance, including dentures, prophylaxis, and major dental procedures; available to policyholders as add-on coverage.
• Krankenhauszusatzversicherung (Hospital Supplemental Insurance) Supplemental hospital insurance that provides additional coverage for hospital stays including private or single rooms, treatment by chief physicians, and enhanced hospital services for insured individuals.
• Pflegezusatzversicherung (Nursing Care Supplemental Insurance) Supplemental nursing care insurance covering additional care services beyond statutory long-term care insurance, including products OLGAflex and FÖRDERbar (subsidized variant), for individuals planning for future long-term care needs.
• Krankentagegeld (Daily Sickness Allowance Insurance) Daily sickness benefit insurance providing income replacement to insured individuals during periods of illness-related inability to work, supplementing lost earnings from the employer or statutory sick pay.
• Auslandsreisekrankenversicherung / Kolumbus (Foreign Travel Health Insurance) Foreign travel health insurance under the Kolumbus brand offered in three duration tiers — short-term (up to 8 weeks), medium-term (up to 1 year), and long-term (over 1 year) — covering medical emergencies abroad for individuals traveling outside Germany.
• Betriebliche Krankenversicherung (bKV) - Corporate Health Insurance Corporate health insurance solution for German employers offering supplementary health benefits to their workforce. Product range includes FEELfree, FEELfree:up, FEELcare, Work and Care (expat assignments), AIRbag (employer contribution support), and Vorsorge-Schecks (preventive care vouchers), with a dedicated firm portal for HR administration.
• Medizinerkonzept (Physician and Dentist Insurance Concept) Specialized private health insurance concept designed for doctors and dentists with coverage tailored to the professional exposure and needs of medical practitioners, including option tariffs that allow medical students to convert to PKV later.
• Optionstarife (Option Tariffs) Option tariffs that grant the holder the right to convert to private health insurance (PKV) at a later date without re-underwriting, available to individuals such as medical students who are not yet ready to enter full PKV.

Quantifiable outcome

• Awarded 'Sehr gut' by Assekurata for tariff quality (NK.select XL + URZ) in PKV full insurance (03/2024)
• +4 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ALH Gruppe (Alte Leipziger Holding AG)coreOthers · 16 June 2025Hallesche is a member of the ALH Gruppe, a financial services group also comprising Alte Leipziger Lebensversicherung a.G., Alte Leipziger Versicherung AG, Alte Leipziger Bauspar AG, Alte Leipziger Trust Investment-Gesellschaft mbH, Alte Leipziger Treuhand GmbH, Alte Leipziger Pensionskasse AG, Alte Leipziger Pensionsfonds AG, and Alte Leipziger Pensionsmanagement GmbH. Cross-company shared services include IT, HR, legal, compliance, and data protection. The group operates joint databases for customer master data under data processing agreements.
• FinanceAds GmbH & Co. KGminorGTM or Marketing PartnerFinanceAds provides affiliate and partner marketing tracking to evaluate which traffic sources (partner sites, advertising) lead to customer actions (clicks, inquiries, contract conclusions) and to calculate affiliate commissions.
• Trustpilot A/SminorGTM or Marketing PartnerTrustpilot provides a voluntary customer review platform. Hallesche offers an opt-in review function on its website and app — no active solicitation of reviews is conducted.
• OmbudsMann Private Kranken- und PflegeversicherungcoreOthersFor disputes related to Hallesche Krankenversicherung a.G., customers can contact the independent ombudsman for private health and nursing care insurance (Postfach 060222, 10052 Berlin; tel: 0800/255 04 44).

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bayern-Versicherung / Bayerische Beamtenkrankenkasse: BBKK is a German mutual health insurer specializing in PKV for civil servants and employees. Comparable product set with a strong supplementary/dental franchise; competes for the same Beihilfe-eligible customer base Hallesche targets.
• Barmenia Krankenversicherung: Barmenia is a mid-sized German mutual insurer with a strong PKV and supplementary health portfolio, including dental and travel. Direct competitor in the same tariff and broker channels, comparable scale.
• SDK (Süddeutsche Krankenversicherung): SDK is a mutual German health insurer focused on PKV and supplementary products, with strong civil-servant and corporate positioning. Closely comparable mutual structure and product mix.
• Allianz Private Krankenversicherung: Allianz's PKV division offers a full suite of private health and supplementary insurance to German individuals and corporates. Largest PKV player by premium volume; competes head-to-head with Hallesche in the same distribution channels.
• Gothaer Krankenversicherung: Gothaer is a German insurance group with a PKV subsidiary offering full and supplementary private health insurance to individuals and corporates. Comparable product breadth and distribution approach.
• Debeka Krankenversicherung: Debeka is one of the largest private health insurers in Germany, operating as a mutual insurer (VVaG) with a similarly broad PKV and supplementary product portfolio and a strong civil-servant franchise. Directly comparable to Hallesche in legal structure, product breadth, and German domestic focus.
• AXA Krankenversicherung: AXA's German health insurance arm offers PKV full coverage and supplementary products (dental, hospital, daily sickness) to individuals and corporates. Direct competitor in tariff structure, customer segments, and broker/advisor channels.
• DKV (Deutsche Krankenversicherung / ERGO): DKV, part of ERGO Group (Munich Re), is a leading German private health insurer with full PKV, supplementary, and travel health products. Closely comparable product set and distribution mix.
• Continentale Krankenversicherung: Continentale is a German mutual insurance group offering PKV, supplementary, and corporate health products. Directly comparable in mutual structure, product set, and target customers.
• Signal Iduna Krankenversicherung: Signal Iduna is a mutual insurance group offering PKV, supplementary, and corporate health products in Germany. Comparable mutual structure and comparable tariff and customer mix to Hallesche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights1 record

Customer concentration

• Xx.com/alhgruppe

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HALLESCHE