1. Choose your care provider 2. Check your policy 3. Type of care counts 4. Submit your invoice 5. Receive compensation

This is how reimbursement through your health insurer works

5 steps to reimbursement

Always check your policy and supplementary package yourself.

From therapy to reimbursement

Choose your care providerSeek therapy from a healthcare professional registered with the VPMW or VIG professional association — that is the basis for reimbursement.

Check your policyReimbursement is handled through your supplementary insurance, not the basic insurance. So always check your supplementary package.

Type of care mattersPsychosocial therapy is usually reimbursed. Coaching and guidance are excluded — relationship therapy only with CZ.

Submit your invoiceAfter your session, you submit the invoice to your health insurer — often easily via the app or website.

Receive compensationYou will receive (part of) the amount back, up to the maximum of your supplementary package for this year.

Reimbursements for psychosocial care through your health insurer depend on your policy, your department, and the type of treatment. Below, you can read exactly what you need to take into account.

Reimbursements by the health insurer

When an NFG healthcare provider is registered in the VPMW or VIG professional group, many clients have the possibility of having treatments reimbursed. Some health insurers require that healthcare professionals, in addition to registration with a recognized professional organization, also be registered with an umbrella organization. Therefore, always carefully read the health insurer's (supplementary) policy.

It is possible that certain forms of assistance or therapy are excluded. Generally, only curative care is reimbursed. Coaching/guidance falls outside the health insurer's reimbursement policy. Relationship therapy is reimbursed only by CZ and not by the other health insurers. Zilveren Kruis does not reimburse psychosocial care for children/youth (up to 18 years of age).

You can also inquire with the municipality about reimbursements under the WMO or PGB (personal budget). Sometimes there are also possibilities through other benefits agencies or your employer.

Overview of health insurers as of January 1, 2026

Download the 2026 reimbursement overview (PDF)

You can download the 2025 reimbursement overview here.

What exactly are my compensations worth?

The amount of your reimbursements depends heavily on your policy and whether you have taken out basic or supplementary insurance. Psychosocial support is usually covered by supplementary insurance, not by basic insurance. Therefore, always carefully check the maximum annual amount your health insurer reimburses and the number of sessions covered.

Independent information about health insurance

Do you want to compare the policies of different health insurers before making a choice? On the website of the Consumers' Association You will find independent comparisons of supplementary packages and the associated reimbursements. This way, you can be sure that you choose the policy that best suits your situation.

Ask about your reimbursements on time

It is advisable to inquire about the exact reimbursements before the start of your treatment so that you are not faced with any surprises. Your care provider can often help you with the correct performance code for the claim, but the final assessment of the reimbursements always rests with your health insurer.

Applying for reimbursements: how the claim works

After a session or course of treatment, you usually submit a claim to your health insurer yourself, or your healthcare provider does this on your behalf. Ask for the correct service code in advance and keep your invoices safe so that you receive the reimbursements without delay.

Will my treatment be reimbursed in 2026?

Answer four questions and see what your health insurer reimburses for care provided by an NFG registered member.

1. Who is your health insurer?

2. Which additional package do you have?

3. What kind of care is involved?

Psycho(social) therapy Hapto therapy Coaching or guidance Relationship therapy

4. Who is the treatment for?

Adult (18 years or older) Child or young person under 18

Choose your health insurer and package above.

This overview has been compiled with the greatest possible care by the NFG. The NFG accepts no liability for any inaccuracies or omissions. Always check with your health insurer yourself whether your treatment is eligible for reimbursement.