Reimbursement overview 2025
Health insurers' mental healthcare reimbursement overview 2026
Reimbursement for non-contracted mental healthcare varies per health insurer and per policy. In 2026, reimbursement rates range from over 70% to below 55% of the maximum tariff set by the Dutch Healthcare Authority (NZa).
The overview below shows, per insurer, which policies are relatively more or less favorable for reimbursement of non-contracted mental healthcare, based on publicly available policy conditions and data from the Contractvrije Psychiater.
Policy types: how much freedom of choice do you have?
Budget policy
This is usually the most affordable option, but with the most limitations in provider choice. For non-contracted care, a lower percentage of the NZa tariff is typically reimbursed.
In-kind policy (naturapolis)
For non-contracted care, insurers generally reimburse a portion of the NZa tariff (often around 60–70%, depending on the policy conditions).
Combination policy
This is a mix of in-kind and reimbursement-based care. These policies often offer more freedom of choice for non-contracted care and typically reimburse a higher percentage than budget or in-kind policies.
The exact reimbursement always depends on the specific insurer and policy.
How are these percentages and amounts calculated?
Health insurers reimburse non-contracted mental healthcare as a percentage of the maximum tariff set by the NZa.
For rTMS treatments in 2026:
- NZa tariff: €158.74 per session
- Procedure code: OV0126 – Repetitive Transcranial Magnetic Stimulation (rTMS)
The amounts per rTMS session shown in the overview are indicative. They are calculated by applying the insurer’s reimbursement percentage to the NZa tariff. Actual reimbursement may vary depending on the individual situation.
Explanation of the color coding
The color coding in the overview is intended as a visual aid when comparing policy conditions for non-contracted mental healthcare.
- Green: policies with a relatively higher reimbursement percentage for non-contracted mental healthcare based on available policy conditions.
- Red: policies with relatively lower reimbursement and/or additional requirements, such as prior authorization.
The colors do not reflect the quality of a health insurer, but only indicate conditions that may affect reimbursement for rTMS treatment. Reimbursement always depends on the individual policy, medical indication, and the insurer’s assessment.
Important
Health insurers Zorg en Zekerheid and DSW / Stad Holland currently do not provide reimbursement for rTMS treatment within non-contracted mental healthcare. If you are insured with one of these health insurers, you can seek reimbursed rTMS treatment from a contracted provider. If you have any questions about your situation, please contact us in advance.
| Health insurer | Policy name | Type | Reimbursement | Indicative reimbursement per rTMS session |
|---|---|---|---|---|
| Zilveren Kruis |
Basis Start Basis Zeker Basis Exclusief |
Restricted in-kind In-kind Combination |
66,5% 71,2% 80,7% |
€105,56 €113,02 €128,10 |
| Salland | Natura | In-kind | 76,8% | €121,91 |
| CZ |
Zorg direct Zorg bewust Zorg op maat Zorg variatie |
In-kind In-kind In-kind In-kind |
58,1% 62,6% 67,1% 76% |
€92,23 €99,38 €106,51 €120,64 |
| De Friesland |
Zelf bewust Alles verzorgd |
In-kind In-kind |
71,2% 76,0% |
€113,02 €120,64 |
| UMC |
Ruime Keuze Eigen Keuze |
In-kind Combination |
64,5% 73,1% |
€102,39 €116,04 |
| IZA |
Basis keuze Ruimte keuze Eigen keuze |
In-kind In-kind Combination |
60,2% 68,8% 73,1% |
€95,56 €109,21 €116,04 |
| Zekur |
Gewoon ZEKUR Zorg Basis Gewoon ZEKUR Zorg Plus |
In-kind Combination |
68,8% 73,1% |
€109,21 €116,04 |
| Interpolis |
ZorgCompact ZorgActief |
In-kind In-kind |
71,2% 71,2% |
€113,02 €113,02 |
| FBTO |
Basis Basis plus Basis vrij |
In-kind In-kind Combination |
61,8% 71,2% 71,2% |
€98,10 €113,02 €113,02 |
| ZieZo | Basis | In-kind | 71,2% | €113,02 |
| De Christelijke Zorgverzekeraar | Principe Polis | In-kind | 71,2% | €113,02 |
| ONVZ |
Bewuste Keuze Basisverzekering Vrije Keuze Basisverzekering |
In-kind Combination |
60,3% 69,5% |
€95,72 €110,32 |
| VvAA | Zorgverzekering basis | Combination | 69,5% | €110,32 |
| VGZ |
Basis Keuze Eigen Keuze Ruime Keuze |
In-kind Combination In-kind |
60,2% 68,8% 60,8% |
€95,56 €109,21 €109,21 |
| IZZ |
Basisverzekering, Variant Bewuzt Basisverzekering, Variant Basis Basisverzekering, Variant Combinatie Basisverzekering, Variant Natura |
In-kind In-kind Combination In-kind |
51,6% 60,2% 68,8% 68,8% |
€81,91 €95,56 €109,21 €109,21 |
| UnitedConsumers |
Bewuste Keuze Basis Keuze Ruime Keuze |
In-kind In-kind In-kind |
51,6% 60,2% 68,8% |
€91,91 €95,56 €109,21 |
| Zorgzaam | Zorgzaam Ruime Keuze | In-kind | 68,8% | €109,21 |
| a.s.r. Ik kies zelf |
Juiste keuze Goede keuze Vrije keuze |
Combination Combination In-kind |
55,7% 64,3% 68,6% |
€88,42 €102,07 €108,90 |
| Zorg en Zekerheid |
Zorg Gemak Polis Zorg Vrij Polis Zorg Zeker Polis |
Restricted In-kind Combination In-kind |
58,8% 67,2% 67,2% |
€88,42 €106,67 €106,67 |
| OHRA | Zorgverzekering Combinatie | Combination | 67,1% | €106,51 |
| Nationale-Nederlanden | Zorg Vrij (Combinatie) | Combination | 67,1% | €160,51 |
| Menzis |
Basis Basis voordelig Basis vrij |
In-kind Restricted in-kind Combination |
62,5% 62,5% 66,9% |
€99,21 €99,21 €106,20 |
| a.s.r. |
Bewuste keuze Eigen keuze Ruime keuze |
In-kind Combination In-kind |
55,7% 64,3% 68,8% |
€88,41 €102,10 €109,21 |
| Nationale-Nederlanden |
Zorg Voordelig Zorg Vrij |
In-kind Combination |
62,6% 67,1% |
€99,37 €106,51 |
| VinkVink | Basisverzekering | Combination | 62,5% | €99,21 |
| Anderzorg | Basisverzekering | Combination | 62,5% | €99,21 |
| Menzis | Basis | In-kind | 62,5% | €99,21 |
| DSW | Basisverzekering | Combination | 79,1% | €125,56 |
|
AZVZ HollandZorg Profile |
Unknown | Unknown | Unknown | Unknown |
| Just | Basic | In-kind | 53,7% | €85,24 |
| VGZbewuzt | Basis | In-kind | 51,6% | €81,91 |
Information about insurance
How rTMS International works
rTMS International does not have contracts with health insurers. Insurers therefore reimburse a percentage of the applicable NZa rate.
The full treatment and NZa rate remains applicable to the care we provide. However, we deliberately choose not to charge clients for the portion that is not reimbursed by their health insurer. This helps keep treatment accessible and ensures that clients are not faced with unexpected costs other than the mandatory deductible.
This does not mean that the treatment is provided at a lower rate. The full rate continues to apply. With some insurance policies, prior authorisation is required before rTMS treatment is eligible for reimbursement. This means that the health insurer first assesses whether the treatment can be reimbursed under the terms and conditions of the policy. Based on current policy conditions, this regularly applies to people insured with a.s.r. (Ditzo / De Amersfoortse), Aevitae and ONVZ, among others.
The following factors may be relevant:
- The application process may take additional time before it is clear whether treatment can begin.
- Additional information may be required, such as a referral letter or treatment history.
- Prior authorisation involves an assessment by the health insurer and does not automatically guarantee reimbursement.
- The administrative process can feel burdensome, particularly at a time when you are already dealing with mental health symptoms.
We can support you with a prior authorisation application and help you gather the required information.
Switching health insurance
Your choice of health insurance can affect the reimbursement of non-contracted mental healthcare, including rTMS treatment. When choosing an insurance policy, some people consider factors such as freedom of choice between healthcare providers, the reimbursement percentage for non-contracted care and any additional conditions. It is important to choose an insurance policy that suits your healthcare needs and personal situation.
Important to know:
- Reimbursement depends on your insurance policy, indication and your insurer’s assessment.
- The mandatory deductible applies.
- No rights can be derived from this information.
Need help?
Are you unsure which insurance policy may be most suitable for your situation, or do you have questions about reimbursement for rTMS? Please feel free to contact us. We are happy to discuss your options and can support you with the application process with your health insurer.
Take the step toward recovery
Are you interested in rTMS treatments at one of our locations, or would you like additional information?