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Diba Clinics

Cover from
your health insurer

If there is a medical reason for your concern, there is a route. With most insurers skin therapy sits in the supplementary package, and from there it is about your policy: which package you have, which maximum comes with it and whether your GP has to write a referral.

Conditions and maximums change per year and per package. So your current amount is in your own policy, and there it is actually right. What is here is how it works, and that stays the same from year to year.

What you can count on
  • Contracted with all health insurersYou do not have to work out whether we are contracted with your insurer. We are, with all of them.
  • Dutch Quality Register for ParamedicsOur skin therapists are listed. Many supplementary packages set that as a condition for cover.
  • Dutch Association of Skin TherapistsOur skin therapists are members of the professional association. For members, registration in the Dutch Quality Register for Paramedics is mandatory.
  • Member of ANBOSThe trade association for beauty therapists, with requirements on training, hygiene and complaints handling.
  • SKIN RegisterThe quality register for beauty therapists. Our beauty therapists are listed in it by name.
Your insurer

Choose your insurer, see where to look

Per insurer it says where in the policy to look and which condition sits in it most often. What exactly is in your package, you only see there.

Start your intakeOr see first what it costs
The Diba Clinics desk with the product shelf in the background

At the desk, afterwards

Three questions, in order

This is how the route to yes runs.

With every question it says where you stand, including when the answer falls the other way. Most sites leave that half out, and it is exactly the half that is useful to you.

  1. First question

    Is there a medical reason?

    This is the only question that really matters, and it is not about the treatment but about the concern. The same laser can be medical in one case and cosmetic in another.

    If yes

    Then it falls under cosmetic care and you pay for it yourself. That holds at every clinic and every insurer, because that is how the system is set up.

    If no

    Then you move on to the second question. Whether there is a medical reason is decided by a doctor.

  2. Second question

    Is it in your supplementary insurance?

    With most insurers skin therapy sits in the supplementary package and not in the basic one. What exactly is in it differs per insurer and per package, and it changes yearly.

    If yes

    Then you pay for it yourself, and that can be a perfectly good choice. You just know it beforehand, with the price attached.

    If no

    Then look straight away at the annual maximum and at whether a referral from your GP is needed. The latter is the most often overlooked.

  3. Third question

    Is a referral needed?

    Many packages only cover with a referral from your GP, and it has to be in place before the treatment starts.

    If yes

    Then you can come directly. Do mention at the intake that you expect cover, so that we check straight away whether everything is in order.

    If no

    Then arrange it first, before your appointment. Insurers rarely accept a referral sent in afterwards, and that bill then stays with you.

Who is responsible for what

Together you get it sorted.

Cover comes through when both sides do their part. Here is which part is ours and which is yours, so that you know beforehand and not only when the bill arrives.

This is what we do

  • Telling you what a treatment costs, beforehand and in full
  • Putting on your invoice exactly what was done, so that you can submit it
  • Saying at the intake if we think there is a medical route you have not yet taken

This is what you do

  • Checking your policy conditions for skin therapy, or asking us where to look
  • Getting a referral from your GP if your package requires one
  • Submitting the invoice to your insurer afterwards
Four misunderstandings

The first one saves money.

People put treatment off on the strength of something that is not true. So that one comes first.

  • What people think

    This comes out of my excess

    With cover from your supplementary insurance, no. The excess belongs to the basic insurance. Many people put treatment off because they think they will first be hundreds of euros out of pocket, and that is not true here.

  • What people think

    My insurer covers skin therapy, so it covers this too

    Cover hangs on the concern and on who carries out the treatment, not on the name of the treatment. Two people with the same appointment can get a different answer.

  • What people think

    The clinic will sort that out for me

    We put on your invoice exactly what was done, so that you can submit it. What your policy covers is only in your policy, and that conversation you have with your insurer. If you do not know where to look, ask us at the intake.

  • What people think

    I will hear about it later

    A referral or an approval only counts if it is in place before the treatment starts. Arrange it in advance and it is usually a matter of one call to your GP.

Weissenbruchlaan 166, 3054 LS Rotterdam