Psychological treatment can be covered by your basic health insurance package. If you would like to use insurance to cover the sessions, you need a referral letter for Gespecialiseerde GGZ (SGGZ) from your GP. The referral needs to include the following: GP’s AGB-code, verwijzing sggz, DSM-5 diagnosis. If you are a EU student without Dutch basic health insurance, therapy can also be covered by the European Health Insurance Card (EHIC).

Without health insurance, clients can pay for counseling sessions privately.

We do not have contracts with health insurance companies so you will initially need to pay for the treatment yourself and provide the invoice to your insurance, who will reimburse you according to your insurance package. We work according to the NZA rules (Nederlandse Zorgautoriteit meaning Dutch government regulations for healthcare). Please, contact your health insurance provider for specific information on your exact percentage of reimbursement. This can vary between 60-100%.

Rates for 2026 sessions are

• Treatment-session : € 205,96

• Intake/diagnostic-session : € 231,50

We understand that you have a life with its own commitments and that everyone has unexpected changes to their schedule. With more than 48 hours’ notice, we are happy to try to accommodate your schedule to the best of our ability.

However, if you need to cancel or reschedule a session, we ask that you provide two business days (48 hours) notice. A session can only be rescheduled or cancelled via e-mail. This means that appointments scheduled for a Monday must be cancelled on or before the preceding Thursday before 12 pm. If you miss a session without canceling, or cancel too late, our policy is to collect € 75,- no-show fee.

It is important to note that insurance companies do not provide reimbursement for “late cancellation” or “no show” sessions. Thus, you will be responsible for the portion of the fee as described above.

Reimbursement by Health Insurance

If you wish to have the treatment reimbursed, you can use the invoice when submitting your claim to your health insurance provider. Your health insurance may determine an “average contracted rate,” which may be lower than the maximum rate set by the NZa. You can verify this in your policy conditions. This may result in you having to pay a larger portion yourself. You may also consult the NZa information helpline regarding this matter.

For additional information, please check the website:
https://www.contractvrijepsycholoog.nl On this website, you will find an indication of how much each policy reimburses.

We recommend contacting your health insurance before starting treatment to ask what portion of the treatment costs will be reimbursed. Depending on the type of policy you have, you may need to pay part of the treatment costs yourself. In any case, you are required to pay your mandatory deductible (€385).

Our advice is to consult with your health insurance regarding the amount they reimburse for the above-mentioned billing codes. This will give you a clear understanding of the percentage reimbursed.

Important information about long waiting times for contracted mental health care

Waiting lists are a major problem in healthcare. In mental health care (GGZ), many clients are unable to receive treatment within the ‘Treeknormen’—agreements on the maximum acceptable waiting times. According to these norms, an intake should take place within a maximum of four weeks, and the treatment should start within 14 weeks. The waiting time starts on the day of your doctor’s referral.

You must request waiting list mediation yourself

If the waiting times for your treatment at a contracted provider exceed the Treeknormen, you should immediately request waiting list mediation from your health insurance. Health insurance companies have a legal duty to provide care and must offer mediation services to clients who request them.

If your health insurance company is unable to find another contracted care provider within the Treeknormen and therefore mediates for treatment to a non-contracted provider (or if you find a non-contracted mental health provider yourself), your health insurance company must fully reimburse the cost of care. This prevents you as an insured person from being financially disadvantaged by exceeding the waiting times.

It is important to document your request for mediation. You can do this, for example, by sending an email to your insurer or by filling out an online form on your insurer’s website. This prevents discussions afterwards (about the mediation and about the amount of the reimbursement).

We are a non-contracted provider. This means that, under normal circumstances, you pay the bill yourself first. If your treatment qualifies for reimbursement, your insurance will cover approximately 55%–80% of the cost, depending on your insurance policy.

However, if you come to our practice by waiting list mediation and your issue or problem is eligible for reimbursement, your health insurance should fully cover the costs. Not all problems are eligible for reimbursement. If you are not sure, always check with your health insurance.

Source: Rijksoverheid.nl, Nederlandse Zorgautoriteit

(update February 2026)