Insurance & Costs
How paying and reimbursement works
All our assessment and therapy is eligible for reimbursement by Dutch insurance companies.
How the costs work
The national rate (NZa tariff)
Rates in Dutch mental healthcare are set nationally by the Nederlandse Zorgautoriteit (NZa). They depend on the type of appointment (assessment, treatment, group session), how long it is, and who provides it. NZa Tariff Info (Dutch)
What your insurer covers
Frame Practice has a contract with Zilveren Kruis, this means that if you are insured by them you can claim 100% reimbursement. For other health insurers they typically reimburse 65% to 85% of the NZa rate, depending on your policy.
Your own contribution
The difference between the NZa rate and what your insurer covers is what you pay yourself.
Your deductible (eigen risico)
The mandatory deductible in the Netherlands is €385 in 2026 (more if you’ve chosen a voluntary higher deductible, up to €885). Your insurer only starts reimbursing once you’ve reached this amount in healthcare costs for the year.
How billing works
If you are insured with Zilveren Kruis, we will send your invoice for sessions to them directly. For other insurers we will follow the below steps:
1 1We send you an invoice
Following your session, covering the full NZa rate.
2 2You pay Frame Practice
The full invoice amount, by bank transfer.
3 3You submit the invoice to your insurer
Through their app or online portal.
4 4Your insurer pays you back
The part your policy covers, usually within a few weeks.
Before we start
For most types of care, you’ll need a referral letter from your GP (huisarts). It should include a suspected diagnosis, the date, and your GP’s personal AGB code. Some insurers also require prior authorisation. That’s your responsibility to arrange, but we’re happy to help you figure out what’s needed.
Contact and Referral Information →If you miss an appointment
We know life happens. But therapy only works if you’re able to attend. So:
- Cancel more than 48 hours in advance — no cost, we’ll find you a new time.
- Cancel with less than 48 hours' notice, or don’t show up — we charge €75. This is not reimbursed by your insurer.
If something exceptional happened, let us know — we always take that into account.
Paying yourself
If you would prefer to pay for sessions yourself without using health insurance the fees are: Individual therapy €130, Couples therapy €160. This does not require any form of referral.