Version: 24-01-2020

Costs when using your health insurance

  • You pay by advances of EUR 100,- per hour
  • The total in advances will be paid back to you completely after 1 year, so see the advances as a form of saving.
  • Calculation example : monthly advance of EUR 400,- (4 s
    essions of 100,- per hour = 400,- ))(ret
    urn after 1 year = 4200,- , after your health insurance the final invoice of e.g. 5000,- EUR )


Cost self-payers

You can also choose consultations that you reimburse yourself, this is without the intervention of your health insurer.

Rate : EUR 120,- per hour.


Coaching, companies or self-employed expenses

Sometimes the cost of self-payers in the tax can be increased as operating costs such as : coaching, disease costs or training costs.

This can take place, for example, in the context of a reintegration process, or within a plan for personal development. 

* However, pay attention to the conditions of the tax, such as the so-called 'threshold-free foot'.

Rate : EUR 150,- per hour, ex 21% VAT.


Procedure with payment of advances

You will receive the endbill after a year of treatment. You can submit the endbill to your health insurance to qualify for reimbursement (usually 100%).

The amount on the final invoice is greater than the total advances paid, which will give you your advances back from me after your health insurance is paid.


HEALTH insurance checklist

In practice, treatments are always fully reimbursed. The chanc
es of you not being eligible for reimbursement by your health insurance afterwards are extremely small, provided you follow this CHECKLIST entirely.

The percentage you can recover from your health insurance company after a year from your health insurer depends on your policy and policy conditions.

note!- The final invoice will be addressed to you
yourself.- You are responsible for ticking off this CHECKLIST: among others. check what policy you have, and obtain permission for (full) reimbursement from your health insurance before e-mail.
* This should be re-examined annually, with a view to a possible maximum reimbursed number of treatment minutes.


Step 1. Check which policy you have

Refund policy, which reimburses 100% of the final invoice to u.-
Combination polis, sometimes reimburses them 100% to you, but sometimes also
less.- Naturapolis, which reimburses a lower amount, often between 60-80%
Budget polis, which reimburses less than 50-75%.

Switching and/or changing policy (to a refund policy) is usually available from mid-November to early/late January. You don't hav
e to insure yourself in addition. You a
re welcome with any policy, please remember that you must pay a part if you do not have a refund policy.

* Read more about the refund policy here:


Step 2. Check the coverage conditions (ask permission 'black and white' by email)

How many per cent your policy will actually reimburse for this treatment, and whether this is a percentage of the full rate (the statutory rate, also known as the WMG/NZA
rate).- Whether that it actually turns out to be the same percentage but of a lower amount/tariff that your health insurer has set itself (the latter rate often mentions some misleading the so-called 'market rate' or the 'average contracted rate'. This naming is misleading because the fee for this is sometimes lower, and therefore not always completely/market-based, so that the client has to pay a part of it himself). This is particularly common with the combination policy, this policy is therefore called an 'impure residual policy' (no re
al refund policy).- If it did turn out to be a 'market rate' fee, how much this will possibly be lower for this treatment than the legal WMG/NZA rate (i.e. the amount on your final invoice). This means that you have to pay that part yourself afterwards.- In
dicate that these are sessions of 60 or 90 minutes within the SGGZ care which in the latter case will exceed the 3000 minute limit, is compensation for this through negotiations ever agreed with the health insurers but there are health insurers who have still completely rejected fees for this reason.- Indi
cate if still elsewhere is pending, this should not always be at the same time
.- Check which diagnostic codes may not be reimbursed (for example, if you are still pending elsewhere)- Check ho
w much your annual excess is, by default this is 385,-.- Stated t
hat you will not have a treatment plan, ROM measurements, or diagnostic codes to your health insurer (a privacy statement). Note. some insurance scans do not accept privacy statements.

Step 3. Check the referral letter

It is necessary for compensation that before your treatment is started, you will receive a referral letter from your GP stating that it is 'uncontracted care within the Specialist MENTAL Health Service' (SGGZ), with 90-minute sessions.


The final invoice

The final invoice is therefore addressed to you, and will be sent to you after a year of treatment (see checklist above). If you are only partially reimbursed by your health insurance, you will have to pay the rest yourself. You also have to pay the final invoice if your health insurance does not reimburse you, however, this is only very rare. The amou

nt of the final invoice consists of the total cost of one year of treatment. These costs can only be determined exactly after one year, based on the final number of treatment minutes. This works in the Netherlands through the so-called DBC – systematics ( Diagnosis Treatment Combination ), where a certain amount is linked to a certain number of treatment minutes. The rates of the DBCs are set annually by the Dutch Care Authority (NZA).