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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for stress testing and occupational therapy for health insurers


If, for example, you have been unable to work for a long time due to an accident or a serious physical or mental illness, you are entitled to support for your return to work. Occupational therapy and stress testing should support you in this. They are part of the services of medical rehabilitation.
Your health insurance covers the costs if no other social security institution is responsible.

Normally, the costs for stress testing and occupational therapy are covered by your pension insurance provider. In some cases, a professional association or the Federal Employment Agency are also responsible.

Stress testing is an examination in which experts determine your health capacity. On the basis of various questions and tests, it will be determined that:

  • how efficient you are physically, mentally and mentally,
  • how well you can adapt to different social situations and
  • where your strengths lie.

The stress test is intended to show whether you are resilient enough in the long run to return to your old profession or whether you have to take up a new appropriate profession.

Occupational therapy is the practice of concrete work steps from professional life for the training and promotion of

  • Handcrafts
  • manual and technical skills or
  • mental and psychological abilities, for example interest, self-confidence, perseverance, punctuality, appearance, sociability, willingness to cooperate.

The objectives of occupational therapy are

  • the improvement of resilience
  • the maintenance and development of skills and abilities necessary for your professional reintegration.

Occupational therapy begins when occupational integration is not yet possible at the time of the stress test.

If you take part in a stress test or occupational therapy financed by your health insurance, you will continue to receive sick pay during this period.

You can submit the application for reimbursement of the costs of your stress trial or occupational therapy by post and – with many statutory health insurance companies – hand it in personally at the office or submit it online.

  • Have a medical report issued in which your doctor recommends stress testing or occupational therapy.
  • Submit the medical report together with your application to your health insurance fund. Your health insurance company now has 2 weeks to check whether it is responsible. If this is not the case, your health insurance fund will forward your application to the competent institution.
  • If the assumption of costs is approved, your health insurance company will issue you with a cost commitment. In addition, your health insurance fund can tell you the institutions with which it has concluded a contract.
  • If you have decided on a facility, submit the cost commitment to it. In many cases, the health insurance company also transmits the cost commitment directly to the respective institution.
  • The costs of stress testing or occupational therapy are now covered by health insurance. You don't have to worry about anything anymore.

Your statutory health insurance covers the costs of stress testing and occupational therapy if:

  • this is prescribed by a doctor and
  • no other social security institution is competent. In most cases, the pension insurance, the statutory accident insurance (professional association or accident insurance fund) or the employment agency cover the costs. If these are not responsible, the statutory health insurance funds finance the treatment.

Your health insurance company will inform you which documents are required, for example a medical report on the necessity of the requested measures.

You do not have to pay anything for the application.

You do not have to observe any deadlines.

Processing usually takes about 3 to 6 business days.

For a quick processing and decision, your health insurance company must have the necessary information and, if necessary, necessary documents complete and meaningful.
The health insurance company decides on applications promptly, whereby the statutory processing deadline is observed to protect patients' rights.
Please note that the stated processing time is an average value of all health insurance companies. It may vary in individual cases.
The exact processing time also depends on the complexity of the individual case and can be extended accordingly. The same applies if documents or documents are sent by post to you or your health insurance company.
If necessary, the Medical Service must be involved. This takes up to 5 weeks to process your request.

Forms: no

Online procedure possible: Many statutory health insurance companies offer an online procedure.

Written form required: yes

Personal appearance required: no

The text was automatically translated based on the German content.

Federal Ministry of Health

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