Fully covered by your health insurer
With our leniency policy, you never pay more than what your insurer reimburses you. That way, good mental healthcare stays accessible, whatever your policy.
How it works & reimbursement
Which insurer are you with?
The process below applies to everyone, at every Dutch health insurer — including:
Not on the list? No problem — the leniency policy applies with every insurer.
Deductible (eigen risico)
Standard deductible 2026
Resets every year on January 1
You pay this once a year. After that, your insurer covers everything.
It applies to all your healthcare costs combined, not per provider.
Children under 18 have no deductible.
Check your insurer's app to see how much you've already used.
After the deductible, your insurer covers everything — you won't need to pay anything more.
Leniency policy
What is it?
Mind Lotus waives part of our rate so you never pay more than what your insurer reimburses. We contribute a share ourselves to keep care accessible.
You only pay the amount your insurer has paid out, nothing more.
Any remaining deductible is still yours to pay.
In return, we ask that you actually submit the claim to your insurer.
Claim process
Step by step
Here's how it works, from session to reimbursement.
You receive an invoice
After your session, we send you an invoice directly, by email.
Log in with your insurer
Go to your insurer's website or app. Choose "Declare" or "Submit healthcare costs".
Upload the invoice
Send the PDF of your invoice. You'll also need your policy number (on your insurance card).
Receive your reimbursement
Your insurer typically transfers the money within 5-10 working days.
Send us the claim overview
Send your insurer's claim overview to declaraties@mindlotus.com, so we can correctly apply the leniency policy.
Don't be alarmed by the amount on the invoice!
The invoice shows the NZa maximum rate, a statutory rate set by the government. It's the amount your insurer needs to calculate your reimbursement correctly — it's not what you end up paying.
Still have questions about reimbursement?
Feel free to get in touch — we're happy to think it through with you.
