Health insurance with a contract
In 2025, the Huis voor Schematherapie has contracts with these health insurance companies: VGZ, VGZ Bewuzt, Univé, Zekur, IZA Cure, IZZ, UMC, United Consumers, Promovendum, de Goudse verzekeringen, UMC, DSW, Stad Holland, In Twente , ASR, Ditzo, CZ, Nationale Nederlanden, Delta Lloyd, Ohra, Just and CZ Direct, ONVZ and VVAA. This means that the invoice for your treatment at the Huis voor Schematherapie is sent directly to your insurance company, who will only charge you for any outstanding part of your excess (eigen risico).
In this overview you can see with which health insurers and underlying labels the House for Schema Therapy has a contract in 2025.
Health insurance without a contract
Huis voor Schematherapie will provide non-contracted care for other health insurance policies in 2025. This concerns Achmea Zilveren Kruis, Menzis, Zorg en Zekerheid, Eucare and Eno, including all underlying labels. This means that it is important for you to check what type of insurance policy you have. The reimbursement you receive for your mental healthcare (GGZ) treatment depends on that policy and may vary quite a bit.
Non-contracted healthcare also means that invoices for your treatment at the House will be sent to you directly. After that, you yourself are responsible for submitting the invoice to your insurance company.
You may receive the highest possible reimbursement in case of non-contracted mental healthcare if you have a full-restitution policy. This type of policy covers all healthcare costs at the usual rates, the so-called ‘NZA rate’. In 2024, Menzis offers a full-restitution policy. EUcare (Aevitae) also offers a full-restitution policy, but this company requires that it is informed, via an authorization, before the start of any new treatment. The reimbursement is somewhat lower than the NZA rate because it is based on an average market rate. This means that part of the costs of the treatment are not reimbursed and are at your own expense.
The other insurance policies are called the in-kind policy. These policies have lower rates, which also vary per insurance company. As a result, the percentage of costs that is covered varies between 60% and 80%. The rest is charged to you directly.
In order to know how high your reimbursement will be, it is best to check with your own health insurance company. Here you can see what questions you can ask. The type of policy you have is indicated on the printed copy of that policy. It also states the amount of your excess. The reason for this is that the costs of your outstanding excess are charged on top of the costs that are not covered by your policy.
Every year you can see whether it makes sense for you to change policy or insurer. This is possible until December 31. Unfortunately, we cannot offer any advice on this, since we cannot oversee the consequences this would have for any other types of healthcare you receive.
The invoice
According to the Dutch healthcare performance model (Zorgprestatiemodel), reimbursements for mental healthcare treatments are based on the principle ‘planning = realisation’. In other words, you can assume that the scheduled time will actually be used for your treatment.
The healthcare performance model means that the rates for a session vary per the professional group, the setting, the duration and the nature of that session. This is all specified on your invoice. Any more time the healthcare professional spends on your treatment, for example on reporting, telephone calls and consultation, is included in those rates. In the chart below, you will find a number of examples of rates, as set out by the Dutch Healthcare Authority (Nederlandse Zorgautoriteit or NZa). We do not determine these rates ourselves.
If you want to view all rates, please click on “Tariefsbeschikking” (rate decision) on this page: Zorgprestatiemodel rates (page is in Dutch)
| Therapist | Session | Duration | Setting | Rate |
| Clinical psychologist | Treatment | 30 minutes | Mono-disciplinary | 211,26 euros |
| Psychiatrist | Treatment | 30 minutes | Mono-disciplinary | 157,94 euros |
| GZ psychologist | Treatment | 60 minutes | Mono-disciplinary | 215,70 euros |
| Psychotherapist | Treatment | 60 minutes | Mono-disciplinary | 243,09 euros |
| GZ psychologist | Treatment | 60 minutes | Multi-disciplinary | 241,98 euros |
| Other occupations | Treatment | 60 minutes | Multi-disciplinary | 258,98 euros |
Contracted insurance companies reimburse us directly for a percentage of this rate. If this is the case, you will notice amounts on your invoice that deviate from the amounts stated in the chart. Your insurance company pays this invoice to the Huis voor Schematherapie.
In case of non-contract health insurance providers, the Huis voor Schematherapie uses the abovementioned rates. Your health insurance will reimburse a percentage of this, as set out in your policy. For example: let’s say you have an in-kind policy that covers 70% of the charges, and you have had a one-hour meeting with a psychotherapist (at 243,09 euros, see chart). Then your reimbursement will be 170,16 euros, and you will have to pay 72,93 euros per session yourself. In case you have a full-restitution policy, the full amount will be reimbursed and these extra charges will not apply to you.
It is good to know what you are looking at, so check with your health insurance company. At the beginning of the process, after the intake, we try to estimate the duration and final costs together with you, so that you know what to expect in general terms. At the start of any trajectory – after the intake – we try to make an estimate together with you about the duration and the eventual costs, so that you know what to expect in general.
Your registration, and what comes next
Following the registration on the website, we will schedule your first appointment. This will be a video call through our secure portal, which will take up 30 minutes. One of our clinical psychologists will discuss with your whether treatment at the Huis voor Schematherapie is indeed your best option. The clinical psychologist will file a report of that meeting directly and prepare some documents for you. This is the beginning of the intake procedure.
If you come to the decision that treatment somewhere else will suit you better, than we will set up a report with our conclusions and we will provide a referral advice, so that you can carry on with your request for help in a focused way.
This first meeting is an official diagnostic session of 30 minutes. We always charge this, even if the registration does not lead to treatment with us. In case of non-contracted healthcare, you will receive an invoice directly. See the information above for rates.
We do this because we think an introduction meeting is important. You avoid ‘standing on the wrong line’, and it helps you to make a solid, conscious decision about such an intense therapy as schema therapy.
Click here to read more about our work methods.
Tax deduction
What’s also good to know: Any healthcare charges that are not covered by your insurance, may be eligible for tax deduction on your income via the Dutch Tax and Customs Service (Belastingdienst). Make sure you check with the Tax Service to see if this is the case.
More information
Since the differences in costs may vary quite a bit, it is important that you look into this properly. Please call your health insurance company for more information. Look on the internet for ‘zorgverzekering’ to reach comparison websites and other useful information.
www.belastingdienst.nl (page is in Dutch) offers information about deducting healthcare charges.
Zorgprestatiemodel (page is in Dutch): Communication for patients (page is in Dutch) provides more information about the healthcare performance model.
Overview of the Dutch health care insurance companies in 2024 and how they are connected to each other.
