Your reimbursement
In the Netherlands, everyone has basic health insurance. All treatments Synthese by Synthese are covered by this basic health insurance. This means that your treatment will be reimbursed by your health insurer. However, you should keep in mind that you are required to pay the mandatory deductible.
In 2026, we will be working with the following health insurers:
| Health insurer | Labels | Contract status 2026 | Healthcare cost ceiling |
|---|---|---|---|
| a.s.r. | a.s.r., I choose myself | Contracted | Yes |
| Caresq | Aevitae, Eucare | Contracted | No ceiling |
| CZ | CZ, OHRA, CZdirect, Nationale Nederlanden, Just | Contracted | Yes |
| DSW | DSW, City of Holland, InTwente | Contracted | No ceiling |
| Menzis | Menzis, Anderzorg, VinkVink | Contracted | Yes |
| ONVZ | ONVZ, VvAA | Contracted | No ceiling |
| Salland | Salland, HollandZorg | Contracted | No ceiling |
| VGZ | VGZ, Univé, IZA, IZZ, ZEKUR | Contracted | Yes |
| Silver Cross | Zilveren Kruis, Interpolis, FBTO, De Friesland | Contracted | Yes |
| Care and Security | Care and Security | Contracted | No ceiling |
How much will I pay in deductibles in 2026?
In 2026, you will pay a maximum annual deductible of €385 for mental healthcare treatments. Or a higher amount that can go up to a maximum of €885 if you have opted for a voluntary deductible.
Mental health treatments that started in 2025 or earlier
If you started treatment in 2025 that continues into 2026, you will pay a maximum of your entire deductible in both calendar years. How much you pay depends on your personal situation. Examples include:
- If you don’t require much other care, it is more likely that you will have to pay Synthese deductible for your treatment at Synthese .
- If you have already paid your deductible in full in a given calendar year, for example because you have been to the hospital, you will not have to pay any additional costs.
Do you have questions about how much you have to pay? Please contact your health insurer.
In 2025, we will be working with the following health insurers:
How much will I pay in deductibles in 2025?
In 2025, you will pay a maximum annual deductible of €385 for mental healthcare treatments. Or a higher amount that can rise to a maximum of €885 if you have opted for a voluntary deductible.
Mental health treatments that started in 2024
If you started treatment in 2024 that continues into 2025, you will pay a maximum of your entire deductible in both calendar years. How much you pay depends on your personal situation. Examples include:
- If you don’t require much other care, it is more likely that you will have to pay Synthese deductible for your treatment at Synthese .
- If you have already paid your deductible in full in a given calendar year, for example because you have been to the hospital, you will not have to pay any additional costs.
Do you have questions about how much you have to pay? Please contact your health insurer.
In 2024, we will be working with the following health insurers:
How much will I pay in deductibles in 2024?
In 2024, you will pay a maximum annual deductible of €385 for mental healthcare treatments. Or a higher amount that can rise to a maximum of €885 if you have opted for a voluntary deductible.
Mental health treatments that started in 2023
If you started treatment in 2023 that continues into 2024, you will pay a maximum of your entire deductible in both calendar years. How much you pay depends on your personal situation. Examples include:
- If you don’t require much other care, it is more likely that you will have to pay Synthese deductible for your treatment at Synthese .
- If you have already paid your deductible in full in a given calendar year, for example because you have been to the hospital, you will not have to pay any additional costs.
Do you have questions about how much you have to pay? Please contact your health insurer.
In 2023, we will be working with the following health insurers:
How much will I pay in deductibles in 2023?
In 2023, you will pay a maximum annual deductible of €385 for mental healthcare treatments. Or a higher amount that can go up to a maximum of €885 if you have opted for a voluntary deductible.
Mental health treatments that started in 2022
If you started treatment in 2022 that continues into 2023, you will pay a maximum of your entire deductible in both calendar years.
If your treatment started in 2022 and continues into 2023, whether you pay an excess for the treatment in both calendar years depends on your personal situation:
- If you require little other care, perhaps.
- If you have already paid your deductible in full in a given calendar year, for example because you have been to the hospital, you will not have to pay any additional costs.
Do you have questions about how much you have to pay? Please contact your health insurer.
In 2022, we will be working with the following health insurers:
How much will I pay in deductibles in 2022?
In 2022, you will pay a maximum annual deductible of €385 for mental healthcare treatments. Or a higher amount that can go up to a maximum of €885 if you have opted for a voluntary deductible.
Mental health treatments that started in 2021
If you started treatment in 2021 that will continue into 2022, you will pay your entire deductible in both calendar years. Previously, this was not the case for treatment lasting less than a year. In that case, you only paid the deductible for the treatment in one calendar year, even if the treatment took place over two calendar years.
If your treatment started in 2021 and continues into 2022, whether you pay an excess for the treatment in both calendar years depends on your personal situation:
- If you require little other care, perhaps.
- If you have already paid your deductible in full in a given calendar year, for example because you have been to the hospital, you will not have to pay any additional costs.
Do you have questions about how much you have to pay? Please contact your health insurer.
source: Rijksoverheid.nl
Frequently asked questions:
What does "contracted" mean?
Your treatment will be reimbursed according to the terms and conditions of your policy. You only pay the deductible and the voluntary contribution (if applicable).
What is a healthcare cost cap?
A healthcare cost cap is a financial agreement between a healthcare provider and a health insurer regarding the maximum amount that can be claimed per year.
When the cap is reached, new clients may no longer be able to start treatment with us through that insurer.
What if Synthese contracted with my health insurance provider?
If you are not insured by one of the health insurers listed above, Synthese will bill Synthese treatment on a monthly basis. You will then need to submit the invoice to your health insurer yourself.
Which treatments are not covered by health insurance?
Treatments that are not covered by basic insurance include: adjustment disorder, symptoms of exhaustion (or burnout), relationship and work-related issues, or grief counseling.
Synthese always inform you in advance if the treatment is not covered.
If you are unsure whether your treatment will be reimbursed, please consult your policy or contact your health insurer.
What does Synthese bill my health insurance provider Synthese ?
Within mental health care, we use the national “Healthcare Performance Model.” Under this system, we bill your health insurance provider only for what is known as “direct time.” This refers to the time during which you actually have a care-related interaction with your treating professional (such as a psychiatrist, clinical psychologist, or general psychologist).
What exactly does “present tense” include?
Direct time refers to all the time we spend on your treatment in consultation with you. We bill this as a “consultation.” This includes the following interactions:
-
In-person appointments: Therapy sessions or initial consultations at our location.
-
Video calls: Online therapy sessions or initial consultations.
-
Telephone contact: Discussions regarding healthcare matters over the phone.
-
Digital communication: Coordination of care via email or a chat platform (e-health).
Are preparation and reporting also billed?
Yes, but it won't be listed as a separate charge on your bill.
The time your practitioner spends on, for example:
-
preparation for interviews
-
recording in your file
-
Discuss your treatment with your colleagues
is part of the consultation and included in the fee we charge.
That is why your medical bill will only list the consultations, rather than itemizing all the associated services separately.