Reimbursement & Rates

Contracted Care

In 2026 LifEm has a contract with the following health insurance companies:

* We do not have a contract with Achmea/Zilveren Kruis, but we have a 'payment agreement'. This is another form of agreements made between an institution and health insurer. As a client, you will not notice this and will also be reimbursed 100% for the sessions, as it is the case with clients with a health insurer that is contracted with us.

This means that for clients who are insured with one of these health insurance companies, regardless of policy and amount of sessions, the (GGZ) therapy sessions are 100% reimbursed. Clients do not have to pay a contribution for the care they receive. Please take into account your “own risk payment” (probably €385) and with the fact that insurers do not reimburse the 'No show' invoices of €75,- if the appointment is not canceled or canceled too late (appointments must be canceled 24 hours in advance).

Prices

Prices for Non-contracted Care

• No contract with your health insurer? You’re still welcome.

  LifEm does not have a contract with every health insurer. If your insurer is one we don’t have a contract with, they will usually only reimburse part of your treatment. You don’t have to pay the difference yourself, thanks to our goodwill scheme (coulanceregeling).

  How does it work?

  1. You receive an invoice from us for your treatment.
  2. You submit the invoice to your health insurer, using their app or website.
  3. Your insurer reimburses part of the amount.
  4. You only pay us the amount your insurer reimburses. We cover the part your insurer doesn’t reimburse.

  Keep your deductible in mind
  If you haven’t (fully) used your deductible (eigen risico) this year, your insurer won’t reimburse that part, so you pay it yourself. The deductible is a maximum of €385 per year. This applies to every healthcare provider, including the ones we do have a contract with.

  Good to know

  • When you register, we’ll check which insurer you’re with. We’ll explain the scheme to you and also send you the details by email.
  • At your intake, you’ll sign a short payment agreement. It sets out exactly what we’ve agreed, so there are no surprises

If it concerns sessions that are not submitted to the insurer at all: 

• Is the rate €130,- per session

*If you are not seeking reimbursement for the sessions through your health insurance company, you do not need a referral letter.

Please note that there are also diagnoses that are not reimbursed by health insurance companies. Below are the main diagnoses that health insurance companies do not reimburse:

• adjustment disorders
• sleep disorders
• intellectual disability
• Communication disorders, for example, stuttering or a language disorder
• mild eating disorder
• a phobia, except if it is a situation that occurs frequently and guidance from the general practice does not help enough. Or when you are afraid of, for example, blood or injections
• problems at work or exhaustion reaction of body and mind due to work stress such as burnout and overwork
• learning disabilities, for example dyscalculia and dyslexia
• premenstrual mood disorder
• a parent-child relationship problem, abuse, grief response, study problem, identity problem, acculturation problem, religious problem or life stage problem
• Sexual dysfunctions (e.g., erection problems)
• Addiction to nicotine (such as cigarettes)