COSTS & REIMBURSEMENT
Reimbursement
Dutch insurance
​​If your doctor (GP) suspects a certain a diagnosis (such as an anxiety disorder or depression), he will refer you. This referral letter makes reimbursement of your treatment by the health insurer possible. If a (BIG registered) psychologist in the intake phase actually establishes such a diagnosis, the care will be reimbursed. Whether there is a diagnosis depends on the nature and seriousness of your complaints.
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With a referral and a certain DSM-V diagnosis, the treatment of Psycheheal is 100% reimbursed if you have an EHIC or are insured for your health with AON. Unfortunately when you have a Dutch insurance cover only a part (often around 60% ore more) of the costs.The percentage of the treatment costs covered by a policy in kind differs per health insurer. You can contact the insurancecompany directly, to check how much they cover, since you also have to check if they have to give permission before you start the therapy. ​The reason not all costs are reimbursed is that Psycheheal offers contract-free treatment within the basic generalist mental healthcare (BG-GGZ). ​There are various reasons for this; for those who are interested, this is clearly stated at this website. This is the reason the waitingtime is usually shorter than with colleques with a contract. But you can ask your insurance company if they know a psychologist with a contract with them with a short waitinglist too. They will cover 100% of their care, after you payed your excess ('eigen risico' in Dutch = 'own risk'), which you first have to pay anyways .
Please read the following tips and follow up on them!
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​​​​​Tip 1​
Check your excess ('eigen risico') Be aware that you always have to pay your excess (in Dutch 'eigen risico') first before any reimbursement is made by the health insurer. Check how much this is before starting therapy.
Tip 2
Check the authorization for non-contracted healthcare providers. Some health insurers require authorization prior to treatment with a non-contracted healthcare provider. Be sure to ask your health insurer about this as well.
Tip 3
Check your policy conditions. At the end of the year, it's time to closely examine your health insurance and review your policy conditions. This is the moment when you can switch to another insurer.
Tip 4
Spread your excess costs. You can ask your insurance company to spread your excess costs ('eigen risico' in Dutch means 'own risk' in Englisch) over the year and pay per month. Contact your insurance company to check if they (still) offer this option. Often this has to be agreed upon before the start of the year.
Reimbursement non-Dutch insurance
European Health Insurance Card (EHIC)
If you have EHIC, sessions will be fully reimbursed. Psycheheel sends the invoices directly to the insurance, no hazzle for you. What I need from you is a copy of your EHIC and a reverral from your GP for BG- GGZ. Treatment costs and structure is just like the reimbursed care for the Dutch, but you will have no costs.
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Non European cliënts with an AON Student Insurance
If you're an non-european international student and you have the AON Student Insurance recommended by the Hanze or RuG, in most cases you will have coverage for 9 sessions without excess. This means that the treatment of up to 9 sessions can be fully reimbursed.
Note: You must obtain permission from the insurance before starting the treatment, with a referral from a doctor or psychologist (treatment plan). Psycheheel will send the bill to you personally. You can sent it to your insurance company.
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Other
The Brittish variant of an EHIC, works just like an EHIC. In other cases please check with your insurance company beforehand, what how and if they reimburse treatment. Psycheheel will send the bill to you personally. You can sent it to your inurance company. You will need a referral letter from your general practitioner (GP) anyways to get it insured.
In 2019 the Netherlands have treaties with the following Non EU countries, which means Insurance works just like the EHIC (see the text above) : Australia; Bosnia and Herzegovina; Cape Verde; North Macedonia; Montenegro; Serbia; Tunisia; Turkey and Switzerland.
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Costs 2025
Reimbursed care
The rates established by the NZA for 2025 are: Intake/diagnostics from 45 minutes: €166,04 Intake/diagnostics from 60 minutes: €190,88 Intake/diagnostics from 75 minutes: €232,71 Treatment from 45 minutes: €142,29 Treatment from 60 minutes: €168,94 Treatment from 75 minutes: €207,96 Treatment from 90 minutes: €254,06 Treatment from 120 minutes: €361,79
Note: You must always pay your deductible yourself first. If only a certain percentage of the costs is reimbursed by the insurer, your deductible will also be used up more slowly.
Directly paying clients - regular
If it turns out that the treatment is not eligible for reimbursement, Psycheheel applies the following (OZP) rates in 2025. Diagnostics from 45 minutes: €160 Diagnostics from 60 minutes: €180 Diagnostics from 75 minutes: €215 Treatment from 45 minutes: €135 Treatment from 60 minutes: €155 Treatment from 75 minutes: €190 Treatment from 90 minutes: €230
Directly paying clients - reduced
For self-paying students and low-income individuals, Psycheheel charges the following reduced rates in 2025: Diagnostics from 45 minutes: €145 Diagnostics from 60 minutes: €160 Diagnostics from 75 minutes: €195 Treatment from 45 minutes: €120 Treatment from 60 minutes: €140 Treatment from 75 minutes: €170 Treatment from 90 minutes: €210
The minutes mentioned refer only to the time you actually spend with your therapist; documentation and preparation time are already included in the price. An intake session typically lasts 60 minutes, regular treatment 45 or 60 minutes, but EMDR 90 minutes.
Written reports for others (only written and send with your consent of course) costs €109,19 and consulting a collegue orally (only with your consent as well) short €30,99 and long €89,24
No-show
Note: If you do not cancel an appointment or do so less than 24 hours in advance, the costs for the reserved time will not be reimbursed by the health insurer. In that case, I will charge a no-show fee of €100. Therefore, please ensure that you cancel at least 24 hours in advance if you cannot attend your appointment!
