About costs and reimbursement
In the Netherlands, the treatment of a debilitating phobia is always fully or largely covered by the basic health insurance
Costs and compensation
All Dutch health insurance companies cover the treatment. Depending on the health insurance policy you have chosen, a personal contribution may apply. Check your policy information for non-contracted Basis-GGZ.
The reimbursement rate depends on the severity of the fear
In the Netherlands, the rate in mental health care is based on the severity of the fear. The treatment is no different. The rates, which you will therefore be fully or largely reimbursed, are in 2021:
Mild phobia ('Basis-GGZ Kort') € 522,13
Fears of low severity and complexity
Medium/severe phobia ('Basis-GGZ Middel') € 885,01
Moderate or somewhat severe fears
Severe or complex fears ('Basis-GGZ Intensief') € 1.434,96
For severe or complex fears, often applies to panic and PTSD
The most favorable is a basic insurance in which you receive 100% reimbursement from non-contracted basic mental health care, and also have the lowest possible deductible.
You can change this until December 31, and sometimes until January 31.
Good to know
For some treatments we have to external costs in the car, for example. We then work together with a driving school. Unfortunately, the health insurer does not reimburse this. We always discuss this in advance.