Psychologist reimbursement in Belgium
Every health fund pays back something different for a psychologist, and almost none of them explain it clearly in one place. This page does, fund by fund, with the source alongside.
How does psychologist reimbursement work?
Two separate routes run alongside each other in Belgium, and they are often confused.
The statutory health insurance
Through the NIHDI you can see a conventioned psychologist at a heavily reduced rate. That route is the same whichever fund you belong to, but the number of places is limited and there are waiting times.
Your health fund's supplementary insurance
On top of that, your health fund pays back part of the cost of sessions with a psychologist you choose yourself. This benefit does differ per fund, and that is what this overview covers.
You pay first, you are reimbursed after
For the supplementary benefit you pay the full session, and your fund transfers the contribution to your account afterwards. For CM and Helan, BloomUp files that claim for you; for the other funds you file it yourself with a certificate from BloomUp.
The difference with a conventioned psychologist
A conventioned psychologist works inside the NIHDI reimbursement scheme. You pay a fixed, low amount per session there, and for children and young people it is often free entirely. Availability is limited, which is why waiting times of several weeks to several months are common.
The psychologists on BloomUp work outside that scheme. You pay for the session yourself and your health fund pays part of it back. In return you are matched straight away, with an introduction often within 48 hours, instead of joining a waiting list, and you choose who you continue with.
The two routes cannot be combined for the same session. Your health fund pays out the supplementary benefit when there is no contribution from the statutory insurance.
Work out what your session costs
Choose your health fund and your age, and see what you actually pay after reimbursement.
Effective cost per session
€55
Up to 20 sessions per year
BloomUp files the claim automatically
An indication based on the average price of a session. Psychologists set their own rate, so your own amount may differ.
Start your journey →All health funds compared
The amounts as the funds publish them themselves. Select a fund for its conditions.
BloomUp files your claim
With these funds BloomUp submits the reimbursement for you automatically.
Other health funds
Here you file the claim yourself, with the certificate you get from BloomUp.
| Health fund | Per session | Maximum per year | Source |
|---|---|---|---|
| Solidaris |
|
| solidaris.beLast checked on September 2, 2026 |
| MC |
|
| mc.beLast checked on September 2, 2026 |
| Partenamut |
|
| partenamut.beLast checked on September 2, 2026 |
| La Mutualité Neutre |
|
| lamn.beLast checked on September 2, 2026 |
| Mutualia |
|
| mutualia.beLast checked on September 2, 2026 |
| Mutualité Libérale |
|
| lm-ml.beLast checked on September 2, 2026 |
| Liberale Mutualiteit |
|
| lm-ml.beLast checked on September 2, 2026 |
| Neutraal Ziekenfonds Vlaanderen |
|
| nzvl.beLast checked on September 2, 2026 |
| Vlaams & Neutraal Ziekenfonds |
|
| vnz.beLast checked on September 2, 2026 |
| Freie Krankenkasse | This fund publishes no amount. Check with your health fund. | - | freie.beLast checked on September 2, 2026 |
| HZIV | This fund offers no supplementary benefit for psychological support. | - | caami-hziv.fgov.beLast checked on September 2, 2026 |
Amounts in brackets apply to members with increased benefit status.
Amounts checked with the health fund itself on the date shown. Funds revise their benefits per calendar year, so confirm the amount with your own fund before you book a session.
Combining with insurance through work
If your employer has a hospitalization or outpatient policy with a psychological component, you can combine it with your health fund's benefit. Claim your contribution from your health fund first, then request proof from BloomUp to share with the insurer.
See how organizations offer BloomUp
Frequently asked questions
Yes. You pay the full amount of the session to BloomUp, and your health fund transfers the contribution to your account afterwards. For 30 minute sessions that is on average 37.5 euro and for 50 minute sessions 75 euro. Psychologists set their own rate, so these are averages.
Waiting lists do not help, we do
Matched straight away with an accredited psychologist, introduction often within 48 hours, with your health fund's contribution on top.
Start your journey →