Up to December 31st 2022, you can choose to change health insurance company and insurance policy type, to better match your care needs and financial situation. The counter above shows how much time is left to switch.

Every year, the Dutch Healthcare Authority (Nederlandse Zorgautoriteit: NZa) sets new rates for mental healthcare in the Netherlands. The full set of rates for 2023 can be found by clicking >>> here <<<. At the end of this page you will see a summary of product codes that were used on our invoices in 2022 and the 2022/2023 rates.

The number of healthcare insurance policies that cover 100 % of your healthcare costs at Praktijk Lastage will be limited to the selected insurance policies below:

All the insurance policies mentioned in the table above are so called ‘restitution policies’. In general, Praktijk Lastage recommends this type of healthcare insurance policy, because they should fully refund the costs of your treatment at Praktijk Lastage.

Since Praktijk Lastage has no contract with any health insurance company, you will need to closely read each policy’s requirements regarding ‘ongecontracteerde zorg’. Note that Praktijk Lastage meets all quality requirements of the Dutch Government and has an up to date ‘kwaliteitsstatuut’, which you can verify here.

Despite the claim of ‘restitution’ insurance policies, that you will have full freedom of choice for healthcare providers, you may need to request permission before starting a treatment with an uncontracted healthcare provider like Praktijk Lastage.

Getting permission from the health insurance company typically involves waiving your right for privacy and providing detailed medical information, including your GP's referral letter, diagnostic information, treatment plan, DSM classification, etc.

Some of this information cannot be provided before the diagnostic phase has been completed, leaving both consumers and healthcare providers in the dark with respect to how one would proceed providing the requested information for getting permission ahead of treatment, when that information is not yet available. Praktijk Lastage has raised this issue with the Dutch Healthcare Authority, but cannot predict the outcome of its query.

If your healthcare policy (see: available types) doesn’t fully cover the cost of your healthcare provider (e.g. Praktijk Lastage), you will end up paying part of your healthcare costs yourself. The percentage/amount that will be reimbursed to you varies per insurer and policy.

In case you don't choose a restitution policy, finding the best alternative insurance policy requires some study. You will want to compare how much money each policy will reimburse. To aid you in this study, we have listed the product codes that we used on our invoices in 2022, with the 2022/2023 NZa rates. Typically health insurance companies list the amount they will reimburse on their websites for each product code (search 'vergoedingen'), so you can check the product codes at the end of this document and compare how much is reimbursed.

If you use medication, it is good to check the reimbursement policy of your health insurer. A useful tool for this is an overview made by the Royal Dutch Society for the Promotion of Pharmacy (KNMP). Here you can see at a glance how health insurers will reimburse pharmacy care in 2023. This overview includes a number of reimbursements that may or may not be covered by the basic insurance. For example, the reimbursement policy when you choose branded over unbranded medication differs per health insurer. You may use this information when choosing a health insurance policy in 2023. You can download the overview >>> here <<< .

Another aspect to be aware of is that all Dutch health insurance companies invest heavily in the stock market and your choice of health insurance company indirectly influences the type of world you choose to live in. Some healthcare companies may choose to invest in e.g. the tobacco industry or weapons industry. It is  your right to choose whatever insurance policy suits you best, but you may want to read how these companies invest your healthcare money, see: eerlijkegeldwijzer.nl