About this session
A configurable Germany healthcare financial-planning program focused on how healthcare costs move across GKV or PKV, statutory or contractual cost sharing, supplementary coverage, employer healthcare support, Pflegeversicherung, and personal spending.
Healthcare Financial Planning 101 creates a practical healthcare-cost map, then the organization can add deeper sessions around the parts of the system most relevant to its workforce.
What your people take away
- Start with Healthcare Financial Planning 101 and the Germany Healthcare Cost Map
- Help employees distinguish GKV, PKV, contributions, premiums, Familienversicherung, statutory copayments, supplementary coverage, and personal healthcare costs
- Build deeper understanding of Belastungsgrenze, dental Festzuschuss, hospital Wahlleistungen, medicines, mental health, family healthcare, and long-term-care costs
- Add employer-benefit or international / cross-border employee healthcare education where relevant
- Keep current rules distinct from GKV reform changes scheduled for future years
- Keep detailed government-benefit eligibility, the complete employee-benefits package, retirement planning, tax planning, medical advice, and insurance recommendations separate
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- What each length covers, 30 minutes to full day
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What each length covers
30 minutes
30 Minutes — Key Points: Healthcare Financial Planning 101A focused 30-minute session on the essentials of Healthcare Financial Planning 101: start with Healthcare Financial Planning 101, build the Germany Healthcare Cost Map and what employees gain.
- Start with Healthcare Financial Planning 101
- Build the Germany Healthcare Cost Map
- What employees gain
Covers Healthcare Financial Planning 101, in brief.
60 minutes
60 Minutes — Module 1: Healthcare Financial Planning 101A practical introduction to Germany's health-cost system, helping employees understand how GKV or PKV, statutory or contractual cost sharing, supplementary coverage, employer healthcare support, Pflegeversicherung, and personal out-of-pocket costs can fit together.
- Module 1: Healthcare Financial Planning 101
- Live Q&A
Covers 1 of 4 parts: Healthcare Financial Planning 101.
90 minutes
90 Minutes — Modules 1 and 2: Statutory and private insurance, copayments and medicinesBuilds on the 60-minute session. Participants also go deeper into statutory and private insurance, copayments and medicines.
- Module 1: Healthcare Financial Planning 101
- Module 2: Statutory and private insurance, copayments and medicines
- Live Q&A
Covers 2 of 4 parts: Healthcare Financial Planning 101 and Statutory and private insurance, copayments and medicines.
3 hours
3 Hours — Modules 1 to 3: Dental, hospital, mental health and family costsBuilds on the 90-minute session. Participants also go deeper into dental, hospital, mental health and family costs.
- Module 1: Healthcare Financial Planning 101
- Module 2: Statutory and private insurance, copayments and medicines
- Module 3: Dental, hospital, mental health and family costs
- Live Q&A
Covers 3 of 4 parts: Healthcare Financial Planning 101, Statutory and private insurance, copayments and medicines and Dental, hospital, mental health and family costs.
Full day
Full Day — The Complete ProgramAll four modules in depth, from the first module through every deep dive, with time for each person to map what applies to them and the actions to take next.
- Module 1: Healthcare Financial Planning 101
- Module 2: Statutory and private insurance, copayments and medicines
- Module 3: Dental, hospital, mental health and family costs
- Module 4: Long-term care, travel, employer cover and newcomers
- Live Q&A
Covers all 4 parts.
What’s covered
Healthcare Financial Planning 101
Every length- Start with Healthcare Financial Planning 101Employees learn the six financial layers behind German healthcare.
- Build the Germany Healthcare Cost MapParticipants privately map their insurance foundation, healthcare-cost category, statutory or contractual cost sharing, supplementary or employer support, and possible personal expense.
What employees gain
- A simple map of how GKV or PKV, statutory or contractual cost sharing, supplementary coverage, employer healthcare support, Pflegeversicherung, and personal spending can interact
- Greater confidence understanding GKV contributions, Zusatzbeitrag, Familienversicherung, PKV premiums, and major system differences
- A clearer understanding of Zuzahlungen, Belastungsgrenze, dental Festzuschuss, hospital Wahlleistungen, recurring healthcare costs, and long-term-care exposure
- Better questions to ask Krankenkassen, private insurers, hospitals, dentists, pharmacies, care providers, and employer-plan administrators
Statutory and private insurance, copayments and medicines
90 minutes and longer- GKV: Contributions, Zusatzbeitrag & FamilienversicherungEmployees learn the household financial structure of statutory health insurance, including contributions, Krankenkasse differences, and contribution-free family coverage.
- GKV vs PKV: Eligibility, Premium Structure & Long-Term CostsEmployees learn the financial differences between statutory and private health insurance without recommending which system they should choose.
- GKV Copayments, Belastungsgrenze & Cost ProtectionEmployees learn current statutory healthcare copayments, annual burden protection, and the boundary between current rules and future GKV reforms.
- Medicines, Heilmittel, Hilfsmittel & Recurring Healthcare CostsEmployees learn how prescription, therapy, medical-aid, and other recurring healthcare costs accumulate throughout the year.
Dental, hospital, mental health and family costs
3 hours and longer- Dental, Vision, Hearing & Supplementary Healthcare CostsEmployees learn healthcare areas where statutory coverage can leave substantial personal cost and supplementary insurance may play a role.
- Hospitalization, Wahlleistungen & Supplementary Hospital CoverEmployees learn the financial boundary between medically necessary hospital treatment and optional private hospital services.
- Mental Health, Psychotherapy & Rehabilitation CostsEmployees learn which mental-health, therapy, and rehabilitation services sit within statutory healthcare and which can become employer, private, or personal costs.
- Pregnancy, Family & Children's Healthcare CostsEmployees learn special maternity healthcare protection, family insurance, children's coverage, and recurring family healthcare costs.
Long-term care, travel, employer cover and newcomers
Full day only- Long-Term Care Insurance & Residential Care CostsEmployees learn why statutory Pflegeversicherung provides partial protection rather than eliminating personal long-term-care costs.
- EHIC, Treatment Abroad & Travel Healthcare CostsEmployees distinguish medically necessary healthcare during temporary travel from planned treatment abroad and private travel protection.
- Employer Health Benefits & System CoordinationConnect the organization's actual healthcare support with employees' GKV or PKV foundation, supplementary coverage, and personal healthcare costs.
- International Employees: GKV / PKV, S1 & Coverage GapsHelp international and cross-border employees understand German health-insurance obligations, GKV / PKV questions, European coordination, and temporary healthcare-financing gaps.
Tools and materials
- Germany Healthcare Cost Map participant worksheet
Who it’s for
- Germany HR, Benefits, Total Rewards, and Wellbeing teams
- Financial-wellbeing programs with a healthcare-cost component
- Organizations whose workforce includes both GKV and PKV members
- Employees approaching or exceeding the current Jahresarbeitsentgeltgrenze
- Workforces with significant parent or family populations
- Employees facing recurring prescription, dental, mental-health, physiotherapy, or specialist costs
- Organizations with significant caregiver or later-life family responsibilities
- International or cross-border employee populations needing German healthcare-system orientation
How booking works
- Book online. Create a free Workbliss profile, then pay with session credits, by card or by invoice.
- Pick a date. Choose a date at least 14 days ahead, or book now and set the date later.
- Choose your expert. Within 3 working days, we send you profiles of the experts available for your date.
- We deliver it. Your expert is briefed on your people and goals, then runs the session live online or at your site.
Questions about Healthcare Financial Planning - Germany
How long is Healthcare Financial Planning - Germany?
Healthcare Financial Planning - Germany runs as 30 minutes, 60 minutes, 90 minutes, 3 hours or full day. You choose the length when you book. A 30-minute session covers the essentials of Healthcare Financial Planning 101: start with Healthcare Financial Planning 101, build the Germany Healthcare Cost Map and what employees gain. A 60-minute session covers Healthcare Financial Planning 101 in full, with a live Q&A. A 90-minute session adds Statutory and private insurance, copayments and medicines. A 3-hour session adds Dental, hospital, mental health and family costs. A full-day session adds Long-term care, travel, employer cover and newcomers.
Can Healthcare Financial Planning - Germany be delivered online or in person?
Yes, both. It runs live online, so every office can join at the same time, or in person at your site, in any country.
How do we book Healthcare Financial Planning - Germany?
Create a free Workbliss profile with your work email, then open Healthcare Financial Planning - Germany to see the price for each length and book it. You can pay with session credits, by card or by invoice, and choose a date at least 14 days ahead, or set it later.
Who leads the session?
A vetted Workbliss expert, briefed on your people, culture and goals before the session. After you book, we send you profiles of the experts available for your date within 3 working days, so you can choose who leads it.
Can it be tailored to our company?
Yes. Every session is shaped around your goals, your people and the benefits you already offer, and delivered by experts in your people’s languages.