Balm for Statutory and Private Health Insurance

Anxiety disorders and stress-related mental health challenges are among the most widespread health issues in Germany. They frequently lead to a reduced quality of life, time away from work, and greater reliance on medical services.
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At the same time, many regions face significant shortages in psychotherapeutic care, resulting in long wait times for therapy appointments.
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Evidence-based digital support programs can play a meaningful role in reaching members early and filling the gaps in existing care pathways.

This program is designed to complement current care offerings — particularly as a preventive measure or a bridge while members are waiting to begin psychotherapy. It draws on methods from cognitive behavioral therapy (CBT), as well as mindfulness and relaxation techniques.

Program goals:

• Better understand what they're experiencing
• Build personal coping strategies that work for them
• Strengthen their ability to self-regulate
• Reduce stress and anxiety symptoms
• Maintain better mental health over the long term

The content is modular, so participants can work through it at their own pace.
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The program can be delivered through innovative digital care models, including selective contracts (§140a SGB V).

Chronic pain is one of the most common health challenges in Germany, and it frequently comes with serious consequences — reduced quality of life, inability to work, and higher use of medical services.

Many people living with chronic pain also deal with reduced physical activity, sleep problems, psychological strain, or a fear of movement or worsening symptoms.

Evidence-based digital support programs can help reach members early, strengthen their self-management skills, and meaningfully complement existing care pathways.

The "Managing Chronic Pain" program is a structured self-management program rooted in cognitive behavioral therapy (CBT), mindfulness techniques, and activity management. Its goal is to give members practical tools for living better with chronic pain and re-engaging with the activities that matter to them in daily life.

Program goals:

• Build stronger self-management skills for living with chronic pain
• Reduce the functional limitations that pain creates in everyday life
• Encourage physical activity and participation in daily routines
• Support emotional well-being
• Help members navigate pain episodes and the factors that can make pain worse

The content is modular, so participants can work through it at their own pace.
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The program can be delivered through innovative digital care models, including selective contracts (§140a SGB V).

Sleep disorders are among the most common health complaints in the general population. They are frequently linked to stress and psychological strain, chronic illness, reduced day-to-day functioning, and greater use of medical services.
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Digital programs can help members address sleep problems early on and give them evidence-based strategies to genuinely improve their sleep quality.
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The "Back to Restful Nights" program is grounded in cognitive behavioral therapy for insomnia (CBT-I), complemented by behavior-based strategies and mindfulness techniques. The aim is to help members build healthy sleep habits and shift the thought patterns that get in the way of good sleep.

Program goals:

• Better understand their own sleep habits
• Reduce nighttime rumination and stress patterns
• Identify the underlying causes of their sleep problems
• Improve sleep quality over the long term
• Build healthy, consistent sleep routines

The content is modular, so participants can work through it at their own pace.
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The program can be delivered through innovative digital care models, including selective contracts (§140a SGB V).

Depression is one of the most common — and most consequential — mental health conditions in Germany. It typically affects multiple areas of life at once, including quality of life, social participation, day-to-day functioning, and the ability to work.
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Mental health conditions are now among the leading causes of workplace absence and early retirement in Germany, with depressive disorders representing one of the single biggest drivers.
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For the healthcare system, this creates both clinical and economic challenges — from repeated medical visits and long-term treatment needs to the indirect costs of lost productivity and extended absences.
Evidence-based digital support programs can help reach members early and strengthen their ability to self-manage depressive symptoms before they escalate.
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The "Coping with Depression" program draws on cognitive behavioral therapy methods to teach structured strategies for improving emotional stability and rebuilding engagement with everyday life.

Program goals:

• Build stronger self-management skills for dealing with depressive symptoms
• Foster motivation, activity, and social connection
• Reduce negative thought patterns and self-critical thinking
• Develop sustainable strategies for emotional stability
• Help prevent a worsening of mental health symptoms

The content is modular, so participants can work through it at their own pace.
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The program can be delivered through innovative digital care models, including selective contracts (§140a SGB V).