1. In the health insurance

1.1 Digital health applications (DiGA)
Due to a change within German Digital Law (DigiG), the statutory health insurance now also covers the higher risk class IIb in addition to the existing low-risk digital health applications (DiGA). The aim is to improve the use of digital health applications in more complex treatment procedures, such as in the field of diabetes care or telemedical monitoring. Our insured persons should not be worse off than members under statutory health insurance. Therefore, we clarify in our terms and conditions that we also cover for digital health applications of higher risk class IIb in the future.

1.2 List of remedies:
Most comprehensive insurance tariffs have maximum amounts for remedies. We adjust these maximum amounts in the list of remedies to the increased price level. We also supplement and update individual items in the list of remedies (e.g. Physical therapy, Speech therapy, Ergotherapy, Inhalations, Massages, Packs, hydrotherapy, baths, Cold and heat treatment, Electrotherapy, Miscellaneous). In this way, we maintain the value of the high-quality insurance cover.

1.3 Transitional care in hospital:
The Hospital Care Improvement Act (KHVVG) has changed the benefit of transitional care in hospitals: transitional care can now also be provided in another hospital. Originally, it could only be provided in the hospital where the insured person had previously been treated. Our insured persons should not be worse off than members under statutory health insurance.  Therefore, we clarify in our tariffs for general hospital services that transitional care can also be provided in another hospital.

1.4 Tariff DOGP Basic:
In the tariff DOGP Basic we clarify that the payment of a lump sum for delivery is not included in the insurance coverage.

1.5 Tariff ELA:
In the tariff ELA insured persons generally have full coverage for temporary stays in Germany of up to three months. We clarify in our terms and conditions that digital health applications are covered during temporary stays in Germany.

1.6 Clarification accompanying persons:
In the Inpat- and Expat-tariffs, the definition of family members has been standardized, and addition is included for “accompanying persons”. This serves to improve transparency. 

2. In daily sickness benefits insurance
We insure the actual income from regular employment. Please note that this does not refer to other types of income. We also clarify the period within which the daily sickness allowance can be adjusted without a risk assessment in the event of an increase in net income and that - as a result of change in continued salary payments – the waiting period can be shortened for employees. 

3. In compulsory nursing care insurance
As a further consequence of the latest amendment to the law, from July 2025 onwards, the maximum amount for benefits for “home care in the event of a caregiver being unable to provide care” (replacement care) and “short-term care” will be combined into a joint annual amount per calendar year. Additionally, the maximum entitlement for preventative care will increase from 6 to 8 weeks. Benefits for preventative care and short-term care used between January 1, 2025 and June 30, 2025 will be counted toward the total annual amount for the calender year 2025. Moreover, various other wordings are changed editorially.
These changes apply uniformly industry wide.

No, an objection is not possible. The changes are made on the basis of § 203 (3) of the Insurance Contract Act (VVG). The independent trustee has approved them. The regulations will thus become part of the contract on January 1, 2026, and are binding.

Compulsory private nursing care insurance is offered in a standardized form by all private health insurers due to a legal obligation. The insurance cover corresponds to compulsory social nursing care insurance (SGB XI). In recent years, there have been numerous legal changes that have affected the insurance conditions and the list of nursing care/aids. The changes took effect on July 1, 2025.

The changes are made on the basis of § 203 para. 3 of the German Insurance Agreement Act (VVG). The independent trustee has approved them. The regulations will therefore become part of the contract as of January 1, 2026 and are binding. Editorial changes do not require approval by the independent trustee.

You are receiving the changes to the terms and conditions because you have insured at least one tariff for which the insurance terms and conditions are changing. We ask for your understanding that you will also receive information on tariffs that you have not insured. Unfortunately, it was not possible to compile an individual list of the tariffs actually insured.

Have there been any changes to your spouse's income? Or does your child's income now exceed the current income limit? 
An important aspect for members of solidarity communities for whom the contribution to the solidarity community is reduced due to (imminent) need for assistance: In future, they will pay half of the maximum social nursing care insurance contribution.

You can find out which changes may be relevant for the contribution classification in the information sheet “General information sheet on compulsory nursing care insurance" here in this pdf.
Please read the information sheet carefully and inform us immediately of any changes that may be relevant for the contribution classification: Hallesche Krankenversicherung, 70166 Stuttgart.