We advise our customers on existing private health insurance policies. Our advice is always comprehensive and always 100 percent free of charge. We represent the interests of our customers vis-à-vis private health insurance companies. We do not... sell insurance policies. Your PKV pays for our advice. Without terminating your private health insurance. Rights such as old-age provisions are retained. PKV tariff optimization and tariff changes in accordance with § 204 VVG are an opportunity to control costs. When optimizing rates, it's not just about the cheapest option at the moment, but also about the long-term financial viability of private health insurance.
The ProvenExpert Quality Seal is awarded to service providers who have received at least 10 customer reviews with a recommendation rate of 90% or higher.
The advice given here is independent, fast and fair. During discussions, you always get the feeling that the interests and well-being of the customer are paramount and that every effort is made to find the best solution. Communication with the insurance company was surprisingly fast and smooth. And the whole service is free of charge! Simply top! My insurance is now cheaper, but not worse. Can and will only recommend hc Consulting AG! 👍
Communication with hc Consulting consists of one/two sentence answers from the "Chairman of the Supervisory Board". When he was supposed to find out crucial information for me - and after several weeks I asked him to check with the insurance company again - he resigned from the mandate without further notice. Completely useless.
Mr. Halm supported me very professionally with the tariff change. My questions were answered patiently. The response to telephone inquiries was super fast. Thanks to Mr. Halm, the tariff changeover took place under almost the same conditions as before, which means I am now saving a few euros a month.
Thank you very much, Mr. Halm, I will be very happy to recommend you to others. Always happy to do so!
I was amazed by the high level of expertise of my consultant, Mr. Halm. He was able to answer all the questions from the FF in full, explain the context and incorporate individual wishes into the various options. The whole process was uncomplicated and didn't take much time. The change of tariff for health insurance went just as smoothly.
The change of tariff worked well. The suggestions were good. I just had to follow up because the health insurance company hadn't responded to the application.
Professional, very competent advice. Prompt implementation with very short response times. Highly recommended without reservation. I have never experienced this level of perfection before.
I only used hc "for a rate change within my private health insurance. I did not realize beforehand how easy it was to implement. I am very satisfied. A clear recommendation - especially as this process was also free of charge for me. I am also recommending it to friends and acquaintances.
Herr Halm ist sehr hilfsbereit, Betreff meine Fragen ausführlich/sachlich professionell erklärt,
sehr freundlich. Ich habe mit HanseMerkur, mit Herrn Ferdinand Halm sehr gute Erfahrungen gemacht.
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Profile active since 23/01/2016 | Last update: 08/07/2025
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