Our therapy will be reimbursed from the basic package of your Dutch healthcare insurance. You are therefore not be required to take out supplementary insurance for psychotherapy.

Empower does not have contracts with any healthcare insurers. This means that not all insurances fully reimburse our therapy. The insurances that fully reimburse our therapy are called “restitutie” insurances. Below you will find all “restitutie” insurances known to us, and that we accept:

These insurers only offer one insurance, which is a “restitutie” insurance with full reimbursement:

OHRA
https://www.ohra.nl/zorgverzekering

Nationale Nederlanden
https://www.nn.nl/Particulier/Zorgverzekering/Zorgverzekering-aanvragen.htm

These insurers offer multiple insurances, of which only the insurances in bold offer full reimbursement. Please make sure you select the right one during application:

Zilveren Kruis Basis Exclusief
https://www.zilverenkruis.nl/en/consumenten/zorgverzekering/basisverzekering

VGZ Eigen Keuze
https://www.vgz.nl/zorgverzekering

Menzis Basis Vrij
https://www.menzis.nl/en/premie-berekenen-en-aanvragen

IZA Eigen Keuze
https://www.iza.nl/collectieve-zorgverzekering/basisverzekering

Zekur Gewoon Zekur Vrij
https://www.zekur.nl/zorgverzekering/premie-berekenen?soortpolis=Gewoon%20ZEKUR%20Vrij

FBTO + vrije keuze zorgverlener
https://www.fbto.nl/zorgverzekering/basisverzekering/restitutiepolis
Note: Select the option “Vrije keuze zorgverlener”. Otherwise the insurance doesn’t offer full reimbursement.

UMC Eigen Keuze
https://www.umczorgverzekering.nl/zorgverzekering/basisverzekering/UMC-Eigen-Keuze

Univé Zorg Vrij
https://www.unive.nl/zorgverzekering

CZ Zorgkeuzepolis
https://www.cz.nl/zorgverzekering/basisverzekering/zorgkeuzepolis

IAK Basis Exclusief
https://iak.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 in 2021, regardless of which of their insurance you have
Allianz
Aon
De Amersfoortse
Ditzo
DSW
Hollandzorg
Loonzorg
Stad Holland
Zorg en Zekerheid
Clients who wish to pay for their therapy themselves