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Does my insurance cover my sessions ?

In Germany

If you are insured in Germany, there are multiple ways to get your sessions partially or fully covered by your health insurance provider: 

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1- If you have a private insurance "Privatversicherung" which covers it.

2- Subscribing to a "Heilpraktiker Zusatzversicherung" which covers it. (between 8 - 30€/month)

3- If you can attest that no refunded Psychologischer Psychotherapeut can see you soon in your area while you have an urgent need for psychotherapy.

4- Deduct it from your taxes. 

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The best way to be sure is to call your insurance provider and ask them directly about it. "Do you refund psychotherapy by a "Heilpraktiker für Psychotherapie". In which conditions and how much ?"

 

Here are the lists of potential german health care prodivers covering psychotherapy by a Heilpraktiker für Psychotherapie:

Private german health insurances 
which cover therapy

In any case, we recommend you call your insurance provider directly to ask them specifically if they refund "Psychotherapie bei einem Heilpraktiker eingeschränkt für Psychotherapie".

Deduct it from your taxes:

In Germany, whether you are an employee, an independant worker or an entrepreneur, you can deduct any health-related fees you paid out of pocket from your yearly taxes as "außergewöhnliche Belastung":

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  • Employees: as your taxes are automatically deducted from your salary, you do not need to fill in a "Steuererklärung" online every year. But if you do, you can declare your health-related spendings and more on it, for which you can get a refund.

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  • As "Freiberufler" or entrepreneurs, you are obligated to fill in your "Steuererklärung" every year. In it, you can declare your health-related spendings and more, which will be accounted for in your yearly tax return, and for which you can get a refund.

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Best is to ask a "Steuerberater" where and how to declare those spendings in your tax declaration.

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In France

  • The regular public health insurance "Sécurité sociale" doesn't refund sessions by a psychotherapist or a psychologist. 

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  • Some private extra insurances "Mutuelles" can refund a certain amount of sessions per year. As each "mutuelle" has a different policy, check in your contract or call them to know much you're entitled to.
     

    •  The ones covering the most sessions per year are : ​Cegema, April, Apicil, Macif...

If you have any additionnal question, feel free to ask. 

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