The information below is valid for 2022.

Note: if you only have a foreign healthcare insurance with an EHIC card, and no Dutch insurance or Dutch source of income, your therapy will be fully covered by your foreign insurer and you do not need to read further. If you have multiple insurances, please contact us at support@empower-pt.nl.

Our therapy is covered by the basic package of your health insurance. There is no need for additional insurance for psychotherapy.

Empower has no contracts with healthcare insurers. This means that not every insurance will fully reimburse our therapy. The insurances that fully reimburse our therapy are called “restitutie”-insurances. Below are all the “restitutie”-insurances of which we are aware:

These insurers offer several insurances, of which only the ones in bold offer full reimbursement.

FBTO Basis Vrij (€ 132.95 / month)
https://www.fbto.nl/zorgverzekering/basisverzekering/restitutiepolis

IZZ door VGZ Restitutie (€ 135.28 / month)
https://www.vgzvoordezorg.nl/zorgverzekering/basisverzekering

United Consumers VGZ Eigen Keuze (€ 135.28 / month)
https://www.unitedconsumers.com/zorgverzekering/basisverzekering/uc-eigen-keuze.jsp

PMA Menzis Basis Vrij (€ 136.56 / month)
https://pma.info/zorgverzekering/basisverzekering/

ZEKUR Gewoon ZEKUR Vrij (€ 136.70 / month)
https://www.zekur.nl/zorgverzekering/basisverzekeringen

UMC Eigen Keuze (€ 138.34 / month)
https://www.umczorgverzekering.nl/zorgverzekering/basisverzekering/umc-eigen-keuze

IZA Eigen Keuze (€ 138.55 / month)
https://www.iza.nl/collectieve-zorgverzekering/restitutie

VGZ Eigen Keuze (€ 142.40 / month)
https://www.vgz.nl/zorgverzekering

Menzis Basis Vrij (€ 143.75 / month)
https://www.menzis.nl/zorgverzekering/basisverzekering/menzis-basis-vrij

Univé Zorg Vrij (€ 143.89 / month)
https://www.unive.nl/zorgverzekering

Zilveren Kruis Basis Exclusief (€ 143.95 / month)
https://www.zilverenkruis.nl/consumenten/zorgverzekering

IAK/AON Basis Exclusief (€ 143.95 / month)
https://iak.nl/zorgverzekering/basisverzekering

CZ Zorgkeuzepolis (€ 145.25 / maand)
https://www.cz.nl/zorgverzekering/basisverzekering

Are you considering taking out insurance other than the ones listed above? If so, please contact us so that we can inform you about the reimbursement for our therapy.

Price difference
“Restitutie” insurances are often slightly more expensive than other health insurances. However, in the case of other insurances (“natura” insurance or “combinatie” insurance) your insurer will only reimburse a part of our invoice. In almost all cases, a restitution insurance will ultimately cost you less because your insurer reimburses our invoice fully.

Mandatory excess / eigen risico
Note: you will always be charged for the mandatory excess of €385, regardless of whether you choose a “restitutie” insurance, “natura” insurance or “combinatie” insurance. It also makes no difference for the mandatory excess whether you are treated at Empower, or at a healthcare provider that does have a contract with your insurers.

Unfortunately, we will no longer accept these insurers for new clients, regardless of which of their insurance you have:

ASR
AZVZ
Eucare Aevitae
Allianz
Aon ICS Start, ICS Start+, ICS Complete, of Aon Go Study Abroad
Cigna
DSW
De Amersfoortse
ASR Ditzo
Hollandzorg
IZZ door CZ
inTwente
Loonzorg
ONVZ
OOM Verzekeringen
PNOzorg
Stad Holland
VvAA
Zorg en Zekerheid
Foreign insurers that do not issue EHIC or GHIC cards