{"id":4847,"date":"2026-09-19T01:42:35","date_gmt":"2026-09-19T00:42:35","guid":{"rendered":"https:\/\/workdone.works\/?p=4847"},"modified":"2026-10-31T19:12:24","modified_gmt":"2026-10-31T19:12:24","slug":"how-your-health-insurer-co-finances-your-retirement-preparation","status":"publish","type":"post","link":"https:\/\/workdone.works\/en\/how-your-health-insurer-co-finances-your-retirement-preparation\/","title":{"rendered":"How your health insurer co-finances your retirement preparation"},"content":{"rendered":"<section class=\"l-section wpb_row height_custom\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p dir=\"ltr\"><em>Note: the online course is currently available in German only and is aimed at people with German statutory health insurance.<\/em><\/p>\n<p dir=\"ltr\">The last working day is often well planned: handover, farewell party, perhaps a gift from the team. What comes afterwards rarely is. From one day to the next, a structure disappears that has set the rhythm of everyday life for decades \u2013 and with it often a piece of identity, social network and daily routine. Resilience for retirement preparation accompanies you through this transition instead of leaving you alone afterwards. Over eight weeks, with only around 45 minutes per week, you get structure, tools and clarity for one of the biggest changes in life.<\/p>\n<p dir=\"ltr\">The course has been reviewed under \u00a720 SGB V (German Social Code) and certified by the Central Testing Office for Prevention (ZPP). Eight modules, six phases per module \u2013 arrival, knowledge, reflection, exercise, transfer, conclusion \u2013 plus interactive workbooks, guided audio journeys and body scans, drag-&amp;-drop exercises and a final quiz per module. Not just listening, but direct application.<\/p>\n<p dir=\"ltr\">What to expect in terms of content:<\/p>\n<p dir=\"ltr\"><strong>01<\/strong> From working life to retirement \u2013 understanding the transition, shaping the farewell, developing new roles<br \/>\n<strong>02<\/strong> Mindful media consumption \u2013 using digital media consciously and protecting mental energy<br \/>\n<strong>03<\/strong> Mindfulness and meditation \u2013 inner calm and composure in dealing with change<br \/>\n<strong>04<\/strong> Body awareness and self-care \u2013 more energy, balance and well-being in everyday life<br \/>\n<strong>05<\/strong> Building resilience \u2013 ABC model, reframing, gratitude journal, the positivity effect<br \/>\n<strong>06<\/strong> Self-leadership \u2013 time management, priorities, boundaries, planning the perfect week<br \/>\n<strong>07<\/strong> Discovering new things \u2013 creativity, hobbies and curiosity as sources of joy in life<br \/>\n<strong>08<\/strong> Meaning &amp; goals in life \u2013 ikigai, values ranking, the letter to your future self<\/p>\n<p dir=\"ltr\">The course is suitable for anyone 1\u201310 years before retirement, as well as for people who are already retired and want to shape their new phase of life more consciously. On completion, you receive a personal, printable certificate and keep 12 months of access to the course platform.<\/p>\n<p dir=\"ltr\"><strong>Now the part that makes buying easy:<\/strong> you pay the course fee once and in advance \u2013 but you are not left to carry it alone. Because the course is ZPP-certified, most German statutory health insurers contribute to the costs, and some cover the majority. The process is simple: you buy and complete the course, automatically receive your certificate of participation, and submit it together with the invoice to your health insurer. The subsidy is then paid into your account. You can see exactly how much your insurer pays in the refund calculator below.<\/p>\n<p dir=\"ltr\">Retirement is not a gap that fills itself. Resilience for retirement preparation gives you the preparation this phase of life deserves \u2013 and a noticeable part of your money back via your health insurer. Buy now, keep the refund in view, and get ready for the next chapter.<\/p>\n<\/div><\/div><div class=\"w-html\"><style>\n:root {\n  --p:       #856fab;\n  --p-dk:    #5f4a8a;\n  --p-lt:    #a691c4;\n  --p-pale:  #e7e2ee;\n  --navy:    #3d3060;\n  --off:     #f6f5f8;\n  --text:    #313233;\n  --mid:     #54545b;\n  --muted:   #6f6f78;\n  --border:  #e6e3ec;\n  --shadowM: 0 20px 60px rgba(133,111,171,.18);\n}\n.erst-checker { max-width: 640px; margin: 0 auto; background: var(--off); border: 1px solid var(--border); border-radius: 16px; padding: 36px 32px; box-shadow: var(--shadowM); font-family: inherit; }\n.erst-checker-eyebrow { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; color: var(--p); }\n.erst-checker h3 { text-align: center; font-size: 20px; color: var(--navy); margin: 6px 0 6px; }\n.erst-checker-sub { text-align: center; font-size: 14px; color: var(--muted); margin-bottom: 24px; font-weight: 300; }\n.erst-label { display: block; 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font-size: 22px; }\n.erst-checker .btn--hero-buy { margin-top: 20px; }\n.btn--hero-buy { display: block; width: 100%; text-align: center; background: var(--p); color: #fff; font-size: 15px; font-weight: 600; padding: 15px; border-radius: 4px; cursor: pointer; transition: all .22s; border: none; font-family: inherit; box-shadow: 0 6px 20px rgba(134,112,172,.4); text-decoration: none; }\n.btn--hero-buy:hover { background: var(--p-dk); color: #fff !important; transform: translateY(-2px); }\n.erst-disclaimer { font-size: 11px; color: var(--muted); margin-top: 14px; text-align: center; }\n.article-cta { margin-top: 36px; text-align: center; }\n.article-cta a { display: inline-block; background: var(--p); color: #fff !important; text-decoration: none; font-weight: 600; font-size: 15px; padding: 14px 32px; border-radius: 4px; box-shadow: 0 6px 20px rgba(134,112,172,.35); transition: all .22s; font-family: inherit; }\n.article-cta a:hover { background: var(--p-dk); transform: translateY(-2px); }\n@media (max-width: 640px) {\n  .erst-checker { padding: 28px 20px; }\n}\n<\/style>\n\n    <div class=\"erst-checker\">\n      <p class=\"erst-checker-eyebrow eyebrow\" style=\"text-align:center;display:block;\">Refund check<\/p>\n      <h3>How much will you get back?<\/h3>\n      <p class=\"erst-checker-sub\">Choose your health insurer and see your own share straight away.<\/p>\n\n      <label class=\"erst-label\" id=\"wd-erst-label\">Your health insurer<\/label>\n      <div class=\"erst-dd\" id=\"wd-erst-dd\">\n        <input type=\"text\" class=\"erst-dd-trigger\" id=\"wd-erst-trigger\" role=\"combobox\" aria-haspopup=\"listbox\" aria-labelledby=\"wd-erst-label\" aria-expanded=\"false\" placeholder=\"Search or select insurer \u2026\" autocomplete=\"off\">\n        <ul class=\"erst-dd-list\" id=\"wd-erst-list\" role=\"listbox\"><\/ul>\n      <\/div>\n\n      <div class=\"erst-result\">\n        <div class=\"erst-row\"><span>Course price (paid upfront)<\/span><span id=\"wd-erst-price\">\u2013<\/span><\/div>\n        <div class=\"erst-row\"><span>Refund after completing the course<\/span><span id=\"wd-erst-refund\">\u2013<\/span><\/div>\n        <div class=\"erst-row erst-total\"><span>Your share<\/span><span id=\"wd-erst-share\">\u2013<\/span><\/div>\n      <\/div>\n\n      <a href=\"https:\/\/workdone.works\/onlinekurs-kaufen\/\" class=\"btn--hero-buy\" style=\"display:block;\">Buy the course now \u2013 \u20ac290<\/a>\n      <p class=\"erst-disclaimer\">* Figures are researched guide values without guarantee, not negotiated or confirmed values. Please confirm the refund amount and maximum with your health insurer.<\/p>\n    <\/div>\n\n<div class=\"article-cta\">\n  <a href=\"https:\/\/workdone.works\/onlinekurs-fuer-die-vorbereitung-auf-den-ruhestand\/\">Learn more about the course (in German)<\/a>\n<\/div>\n\n  <script>\n  (function () {\n    \/\/ Krankenkassen erstatten bei \u00a720 SGB V Kursen einen Prozentsatz\n    \/\/ BIS ZU EINEM H\u00d6CHSTBETRAG pro Kurs \u2014 nicht unbegrenzt. Werte unten\n    \/\/ wurden gegen die offiziellen Kassenseiten gepr\u00fcft (Stand: Recherche\n    \/\/ September 2026). AOK ist bundesweit NICHT einheitlich (11 eigenst\u00e4ndige\n    \/\/ Landeskassen mit eigenen S\u00e4tzen, z.B. AOK Hessen 100%\/150\u20ac, AOK BaW\u00fc\n    \/\/ 100%\/80\u20ac) \u2014 der Wert unten ist ein grober Mittelwert, keine feste Zahl.\n    \/\/ Bitte vor Live-Schaltung mit den tats\u00e4chlichen, aktuellen Angaben der\n    \/\/ jeweiligen Kasse abgleichen \u2014 S\u00e4tze und H\u00f6chstbetr\u00e4ge k\u00f6nnen sich\n    \/\/ \u00e4ndern und teils auch nach Region\/Tarif unterscheiden.\n    var KURSPREIS = 290;\n\n    \/\/ Fester Erstattungsbetrag in Euro je Kasse (kein Prozentsatz mehr -\n    \/\/ nur der tats\u00e4chliche Euro-Betrag z\u00e4hlt). Werte 1:1 aus der\n    \/\/ Referenztabelle \u00fcbernommen (Stand: September 2026). null = kein\n    \/\/ gesetzlicher Anspruch (PKV\/Ausland). Kassen ohne Eintrag hier nutzen\n    \/\/ den Standardwert 0 \u20ac (noch nicht einzeln best\u00e4tigt).\n    var DEFAULT_ERSTATTUNG = 0;\n\n    var OVERRIDES = {\n      \"AOK Baden-W\u00fcrttemberg\": 80,\n      \"AOK Bayern\": 150,\n      \"AOK Bremen\/Bremerhaven\": 110,\n      \"AOK Hessen\": 200,\n      \"AOK Niedersachsen\": 200,\n      \"AOK Nordost\": 0,\n      \"AOK NordWest\": 232,\n      \"AOK PLUS\": 0,\n      \"AOK Rheinland-Pfalz\/Saarland\": 0,\n      \"AOK Rheinland\/Hamburg\": 100,\n      \"AOK Sachsen-Anhalt\": 80,\n      \"Audi BKK\": 100,\n      \"Bahn-BKK\": 150,\n      \"Barmenia\": 0,\n      \"BARMER\": 100,\n      \"BERGISCHE KRANKENKASSE\": 0,\n      \"Bertelsmann BKK\": 80,\n      \"BIG direkt gesund\": 120,\n      \"BKK Public\": 0,\n      \"BKK SBH\": 246.5,\n      \"BKK Akzo Nobel \u2013 Bayern\": 0,\n      \"BKK B. 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Werte kommen aus OVERRIDES, sonst DEFAULT_ERSTATTUNG.\n    var KASSEN_NAMEN = [\n      \"AOK Baden-W\u00fcrttemberg\",\n      \"AOK Bayern\",\n      \"AOK Bremen\/Bremerhaven\",\n      \"AOK Hessen\",\n      \"AOK Niedersachsen\",\n      \"AOK Nordost\",\n      \"AOK NordWest\",\n      \"AOK PLUS\",\n      \"AOK Rheinland-Pfalz\/Saarland\",\n      \"AOK Rheinland\/Hamburg\",\n      \"AOK Sachsen-Anhalt\",\n      \"Audi BKK\",\n      \"Bahn-BKK\",\n      \"Barmenia\",\n      \"BARMER\",\n      \"BERGISCHE KRANKENKASSE\",\n      \"Bertelsmann BKK\",\n      \"BIG direkt gesund\",\n      \"BKK Public\",\n      \"BKK SBH\",\n      \"BKK Akzo Nobel \u2013 Bayern\",\n      \"BKK B. 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OVERRIDES[name] : DEFAULT_ERSTATTUNG;\n    });\n\n    var dd       = document.getElementById(\"wd-erst-dd\");\n    var trigger  = document.getElementById(\"wd-erst-trigger\");\n    var list     = document.getElementById(\"wd-erst-list\");\n    var selected = null;\n    var emptyMsg = null;\n\n    Object.keys(KASSEN).forEach(function (name, idx) {\n      var li = document.createElement(\"li\");\n      li.className = \"erst-dd-item\";\n      li.textContent = name;\n      li.setAttribute(\"role\", \"option\");\n      li.addEventListener(\"mousedown\", function (e) {\n        \/\/ mousedown (not click) so it fires before the input's blur closes the list\n        e.preventDefault();\n        selected = name;\n        trigger.value = name;\n        list.querySelectorAll(\".erst-dd-item\").forEach(function (n) { n.classList.remove(\"active\"); });\n        li.classList.add(\"active\");\n        closeList();\n        render();\n      });\n      list.appendChild(li);\n      if (idx === 0) { selected = name; trigger.value = name; li.classList.add(\"active\"); }\n    });\n\n    function openList() {\n      dd.classList.add(\"open\");\n      trigger.setAttribute(\"aria-expanded\", \"true\");\n    }\n    function closeList() {\n      dd.classList.remove(\"open\");\n      trigger.setAttribute(\"aria-expanded\", \"false\");\n      trigger.blur();\n    }\n\n    function filterList(query) {\n      var q = query.trim().toLowerCase();\n      var anyVisible = false;\n      list.querySelectorAll(\".erst-dd-item\").forEach(function (li) {\n        var match = li.textContent.toLowerCase().indexOf(q) !== -1;\n        li.classList.toggle(\"erst-dd-hidden\", !match);\n        if (match) anyVisible = true;\n      });\n      if (!emptyMsg) {\n        emptyMsg = document.createElement(\"li\");\n        emptyMsg.className = \"erst-dd-empty\";\n        emptyMsg.textContent = \"No insurer found\";\n        list.appendChild(emptyMsg);\n      }\n      emptyMsg.style.display = anyVisible ? \"none\" : \"block\";\n    }\n\n    trigger.addEventListener(\"focus\", function () {\n      trigger.select();\n      openList();\n      filterList(\"\");\n    });\n    trigger.addEventListener(\"click\", function (e) {\n      e.stopPropagation();\n      openList();\n    });\n    trigger.addEventListener(\"input\", function () {\n      filterList(trigger.value);\n      openList();\n    });\n    trigger.addEventListener(\"keydown\", function (e) {\n      if (e.key === \"Escape\") {\n        trigger.value = selected || \"\";\n        closeList();\n      } else if (e.key === \"Enter\") {\n        e.preventDefault();\n        var firstVisible = list.querySelector(\".erst-dd-item:not(.erst-dd-hidden)\");\n        if (firstVisible) firstVisible.dispatchEvent(new MouseEvent(\"mousedown\"));\n      }\n    });\n    document.addEventListener(\"click\", function (e) {\n      if (!dd.contains(e.target)) {\n        \/\/ restore the selected Kasse's name if the user clicked away mid-search\n        trigger.value = selected || \"\";\n        closeList();\n      }\n    });\n\n    var priceEl  = document.getElementById(\"wd-erst-price\");\n    var refundEl = document.getElementById(\"wd-erst-refund\");\n    var shareEl  = document.getElementById(\"wd-erst-share\");\n\n    function eur(n) {\n      return n.toLocaleString(\"en-IE\", { style: \"currency\", currency: \"EUR\" });\n    }\n\n    function render() {\n      var erstattung = KASSEN[selected];\n      priceEl.textContent = eur(KURSPREIS);\n\n      if (erstattung === null) {\n        refundEl.textContent = \"no statutory entitlement\";\n        shareEl.textContent  = eur(KURSPREIS);\n        return;\n      }\n\n      var refund = Math.min(erstattung, KURSPREIS);\n      var share  = KURSPREIS - refund;\n      refundEl.textContent = eur(refund);\n      shareEl.textContent  = share <= 0 ? \"0 \u20ac\" : eur(share);\n    }\n\n    render();\n  })();\n  <\/script><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Note: the online course is currently available in German only and is aimed at people with German statutory health insurance. The last working day is often well planned: handover, farewell party, perhaps a gift from the team. What comes afterwards rarely is. From one day to the next, a structure disappears that has set the...","protected":false},"author":1,"featured_media":4724,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[280],"tags":[],"zielgruppe":[340],"class_list":["post-4847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-work-personal-development","zielgruppe-for-employees-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health insurer subsidy for retirement preparation<\/title>\n<meta name=\"description\" content=\"Many German statutory health insurers subsidise the ZPP-certified online course \u201cResilience for retirement preparation\u201d. Here is how the refund works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/workdone.works\/en\/how-your-health-insurer-co-finances-your-retirement-preparation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health insurer subsidy for retirement preparation\" \/>\n<meta property=\"og:description\" content=\"Many German statutory health insurers subsidise the ZPP-certified online course \u201cResilience for retirement preparation\u201d. 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