Health insurance

It is important to be well informed about the costs and reimbursements that come with your treatments. This page gives an overview of the health insurers we work with, the types of policies and the costs you can expect to pay yourself. This way you are well prepared and can consider treatment with confidence.

Useful links

Contracted health insurers 2026

For 2026, we have contracts with Achmea, CZ, ONVZ and VGZ. This means that most of the treatment costs are covered by these insurers. It is important to know that reimbursement depends on your specific care needs, health insurance and policy conditions.

Achmea group

Elsendorp, Gorinchem, Wolvega

CZ group

Elsendorp, Wolvega

ONVZ group

Elsendorp, Gorinchem, Wolvega

VGZ group

Elsendorp, Gorinchem, Wolvega

Non-contracted health insurers
Nij Clinics does not have a contract with the other health insurers. This means that we will send you the invoice for the intake and any treatment. We charge the fee set by the government (NZa = Dutch Healthcare Authority).

Whether and how your health insurer reimburses the costs depends on your policy. The reimbursement you receive may be lower than the statutory fee. We recommend that you check your policy conditions or contact your health insurer, so that you know what reimbursement to expect when you come to Nij Clinics for an intake and/or treatment.

Regardless of the reimbursement, you must pay us the full amount of the invoice within the stated payment term.

Reimbursements and personal contribution

Whether your health insurer reimburses your treatment depends on:

Whether there is a medical indication
Whether you have a referral letter
The type of policy you have (in-kind policy or combination policy)
The health insurer you are insured with
Your specific policy conditions
Your age: reimbursement applies up to and including the age of 42

To find out what reimbursement you are entitled to, it is essential to read your policy conditions carefully and, if necessary, contact your health insurer. ¹

Further explanation
In general, treatments are carried out in accordance with this process description and explanation (part A). The doctor may always decide to deviate from the protocol and the associated process for medical reasons. No rights can therefore be derived from this process description and explanation. In part B, each step is explained in more detail.

¹ Nij Clinics - Elsendorp (Nij Geertgen) is known to health insurers as Stichting Fertiliteitszorg Zuid Nederland (AGB code: 22220703).
¹ Nij Clinics - Gorinchem (Nij Linge) is known to health insurers as Stichting Bevordering Fertiliteit (AGB code: 22221109).
¹ Nij Clinics - Wolvega (Nij Barrahûs) is known to health insurers as Stichting BPM Zorg (AGB code: 22227307).

FAQ

Frequently asked questions

Do you have questions about the invoice you received from us? Please contact our patient accounts department directly. They are best placed to answer your question.

FAQ Contact Register

Is my fertility treatment covered if I am 43 or older?

Treatment Compensation Health insurance Costs

From the age of 43, fertility treatments are no longer covered by basic health insurance. The costs of tests, consultations, treatments and medication are therefore at your own expense. A pregnancy scan is covered if you have a valid referral letter.

Is an embryo transfer still covered after the age of 43?

Compensation Health insurance Costs

Yes. An embryo transfer can be covered by your health insurer up to the age of 50, provided the egg retrieval took place before your 43rd birthday within an insured attempt, and the last insured attempt has not yet resulted in a child or an ongoing pregnancy.

I live abroad and do not have Dutch health insurance. Will my costs be covered?

Compensation Health insurance Costs

No. Do you live abroad and do not have Dutch health insurance? Then all costs of tests, medication and treatment are at your own expense.

I live in the Netherlands but have foreign health insurance. What about the costs?

Compensation Health insurance Costs

Don't have Dutch health insurance? Then all costs of tests, medication and treatment are at your own expense.

You will receive the invoice directly from us. You can check with your foreign health insurer whether you can claim the costs.

Compulsory deductible

For the care you receive from us, your compulsory deductible (eigen risico) is used first. If you have chosen a voluntary increase of your deductible, this amount is increased by the amount you agreed with your health insurer. Once you have paid your deductible, your health insurer will start reimbursing the costs. In addition to the deductible, a personal contribution (eigen bijdrage) may also apply to certain treatments.

Fees

Types of policies

With an in-kind policy (naturapolis), your health insurer has contracts with healthcare providers. If you choose a healthcare provider your insurer has a contract with, the care is usually fully covered. If you choose a healthcare provider without a contract, only part of the costs will be reimbursed (approximately 65%–80% of the invoice amount).

A combination policy (combinatiepolis) offers slightly less extensive cover than a reimbursement policy (restitutiepolis). With a combination policy, in some cases you are entitled to care (as arranged in an in-kind policy) and in other cases you are entitled to reimbursement of care (as in a reimbursement policy). This type of insurance reimburses at least 100% of the average contracted fee for non-contracted care. If we have a contract with your health insurer, the treatment costs are reimbursed directly to us. If we do not have a contract with your health insurer, you will receive the invoice from us. We recommend that you check with your insurer which reimbursement rate you are entitled to. Depending on your policy, you may have to pay part of the invoice yourself. This is separate from the compulsory deductible. You are responsible for paying our invoice within the stated payment term. If we have a payment agreement with your health insurer, the treatment costs are reimbursed directly to us. To find out whether your health insurer charges a personal contribution in addition to the compulsory deductible, we recommend that you read your policy and policy conditions carefully.