In the month when most Dutch people check their health insurance policy again, we thought it would be good to provide information about the reimbursements of health insurers for microbiome therapy.
Below is a global overview of the reimbursement rules of health insurers for 2021. The common thread boils down to this.
– the larger health insurers have one or more supplementary policies with scope for reimbursement of “alternative medicine”
– the total reimbursement available per year increases with more expensive policies
– often a registered doctor is mentioned as a requirement
– medicines are in principle excluded.
This means that if clients have the correct supplementary policy and have not already drawn up their reimbursement allowance, they can probably count on reimbursement of the costs for consultation and faecal analysis (with the exception of ONVZ), and not for medicine costs. The overview per insurer:
CZ with “additional 5”: €250 per year for alternative and/or psychosocial treatments (€25 per day) and medicines (100%) together
Silver cross with “additional 2 stars” or higher: a maximum of € 40 per day to € 250 per calendar year for alternative care such as orthomolecular treatment
Menzis with “extra care 2” or higher: Maximum of €400 per calendar year (€40 per day for treatments, 100% for medicines) for alternative care
VGZ with “Additional Good” or higher: Alternative care: €200 per year, maximum €40 per day
DSW with “AV Compact” or higher: reimbursement for a doctor’s consultation in naturopathy, a maximum of €25 per treatment date, a maximum of €250 per calendar year
Zorg en Zekerheid with “AV-sure” or higher: reimbursement of treatment by a naturopathic or orthomolecular doctor, a maximum of €250 per calendar year, consisting of a maximum of €25 per day for treatments or 50% reimbursement for medicines
ASR with “Start” or higher: reimbursement for treatment by a doctor, up to a maximum of €100 per calendar year (higher supplement = higher total amount)
ONVZ with “Startfit” or higher: reimbursement of alternative medicine by a doctor, ie consultations and treatments aimed at (curing) a condition. No lab costs. Higher supplement = also reimbursement for registered medicines and a higher total amount.
Ditzo, Anderzorg, Hema, Interpolis and Just do not reimburse alternative medicine.
NB. This overview gives a global impression; no rights can be derived from it.