Is Rehabilitation Abroad Covered by Insurance?

If you’re considering overcoming an addiction, it might be tempting to choose a rehabilitation clinic abroad. International clinics not only offer access to innovative treatments but also provide a fresh environment that can aid recovery.

In this guide, we explore the various aspects of rehabilitation abroad, including the possibility of insurance coverage, possible costs, treatment structure and approach, popular rehabilitation destinations, and the benefits of treatment abroad.

Is Rehabilitation Abroad Covered?

The good news is that many insurers reimburse costs for clinical treatments abroad. During an intake interview, it is thoroughly examined which treatment best fits your needs, which can result in advice for clinical treatment abroad. The international clinic will then request authorization from your insurer on your behalf, and it will be decided whether the treatment is covered.

If you prefer to receive care abroad, even if it is available in the Netherlands, it is recommended to first ask for permission from your insurer.

Not Always Full Coverage

Although many insurers cover clinical treatments abroad, sometimes only part of the costs is reimbursed, especially if using non-contracted clinics.

If you want to be treated abroad, it is also good to consider other costs. Think of plane tickets and transportation to the clinic, once arrived at the destination. Additionally, some clinics offer aftercare programs that must be paid for separately, ranging from € 500 to € 1,500 per month.

Scotland and South Africa

Vakuutusyhtiön hyväksyntä vaaditaan etukäteen. Lisäksi voidaan korvata myös hoidon kustannukset Recovery Mental Healthcare -laitoksessa, joka on tunnustettu mielenterveyslaitos Etelä-Afrikassa.

On viisasta tarkistaa vakuutuksenantajasi verkkosivuilta tarkat tiedot ulkomailla tapahtuvan terveydenhuollon korvauksista, mukaan lukien vakuutusehdot ja korvausvaihtoehdot. Myös oman maasi terveydenhuoltoinstituutti tarjoaa tietoa kansainvälisistä sopimuksista.

What Affects the Cost of Treatment?

The costs of treatment abroad vary greatly and are influenced by several factors.

Country

Firstly, the choice of country plays a role; treatments in countries like South Africa are often cheaper, while they usually cost more in the Netherlands or Germany.

Duration of Treatment

The duration of the treatment also affects costs; longer programs are generally more expensive than shorter treatments.

Type of Facility

Moreover, costs vary depending on the quality and facilities of the clinic; luxury facilities with extras like swimming pools and gyms typically have higher rates. Some centers offer all-inclusive packages, while others provide packages with additional services.

Nature of Treatment

The nature of the treatment also plays a role; outpatient programs are usually cheaper than clinical admissions.

Always Research and Inform

For reimbursement of costs for a rehabilitation clinic abroad, you must be insured with an insurer that collaborates with the respective clinic. Insurances can significantly reduce costs if international care is covered in the policy. Therefore, it is important to carefully research which centers are available, what services they offer, and what the total cost is before deciding on treatment abroad.

In many cases, a rehabilitation clinic abroad is covered by your insurance, but this depends on your personal situation and the terms of your policy.

It is crucial to contact your insurer in advance to check which reimbursements apply. Also, pay attention to your own risk, which is at least € 385 in 2024, and keep in mind that the costs for plane tickets are usually not reimbursed.

Private Clinics

If you need immediate treatment and are willing to bear the costs yourself, a private clinic abroad might be an excellent option. In such situations, you can sometimes leave the same day and even start the next day. This makes private clinics particularly appealing for people who need quick help without waiting.

For those who want quick assistance and have the financial means, a private clinic is a good choice, even outside of insurance. It can be a substantial investment, but for many, fast access to care outweighs the costs.

Specific Conditions and Restrictions

If you go abroad for medical treatment, you must get approval from your insurer via an S2 form (formerly E112) (source: europa.eu).

Some supplementary insurances offer additional coverage for treatments abroad, but this varies per insurer and policy.

In exceptional situations, the municipality might provide special assistance for medical costs abroad, but this is rare and highly depends on individual circumstances (source: Rijksoverheid).

The costs for a rehabilitation clinic may sometimes be tax-deductible as “specific healthcare costs” under Dutch tax law. The following conditions apply:

• The treatment must be medically necessary and prescribed by a doctor.
• Only the part of the healthcare costs not covered by insurance or other agencies is eligible for deduction.
• Healthcare costs are only deductible to the extent they exceed a threshold amount, depending on your income.

Deductible costs can include: treatment, doctor-prescribed and non-reimbursed medications, travel costs, and accommodation.

It is important to keep all receipts and invoices well (source: Tax Authority).

Rehabilitation Abroad: A Day in the Clinic

What does rehabilitation abroad look like?

Language

In many rehab clinics abroad, English is used as the primary language. However, some clinics have other specialists who can support you in your native language. Despite this, it is often necessary to have a good command of English, as part of the treatment will take place in English. The layout of your room may vary: some clinics offer private quarters, while others share rooms with fellow patients.

Focus on Underlying Causes

A significant distinction between treatments abroad and those in the US or UK is the approach to addiction. Clinics abroad often focus more on the underlying causes of addiction, such as the psychological and emotional factors that led to the addiction. This contrasts with US or UK clinics, which tend to focus more on treating the specific addiction. For people with a dual diagnosis, a clinic abroad can offer added value by taking a broader approach to their issues.

Multiple Sessions Per Day

The daily structure in a foreign rehab clinic typically consists of several therapies and activities spread throughout the day. You can expect 2 to 4 sessions per day. These sessions include both group and individual therapies. Meals are usually taken in a group setting, contributing to community spirit and social interaction.

Relaxation

Throughout the day, you are actively engaged in treatment activities, and there is also room for relaxation, which is also part of the recovery process. Sports activities, creative workshops, and joint excursions to local attractions are often offered to create a balance between intensive therapy and relaxation.

These daily activities provide a structured environment that is conducive to your recovery and general well-being.

Popular Destinations for Rehab Abroad

Rehab abroad is possible in various countries. The most popular destinations are listed below.

South Africa

South Africa offers an attractive option for rehabilitation due to its combination of natural beauty and high-quality, affordable care. South Africa has a growing reputation in the rehabilitation sector. Rehabilitation centers in South Africa often combine therapy with excursions, enriching the experience.

Thailand

Thailand is known for its cost-effective rehabilitation options, complemented by a rich cultural experience. Medical care costs are significantly lower than in the western countries, while the centers offer high-quality treatments. Thai rehab clinics often combine medical care with cultural and holistic approaches, such as wellness programs. The unique culture and attractive prices make Thailand a popular choice for those seeking a comprehensive treatment experience.

Portugal

Portugal offers a wide range of rehabilitation possibilities, both in public and private centers. The country is notable for its progressive approach to addiction care, supported by the decriminalization of drugs. Portugal offers access to extensive care networks and free support. With a focus on long-term recovery paths and personalized care, Portugal provides a serene environment for recovery, with the beautiful landscapes of the Algarve and Alentejo in the background.

Scotland

In Scotland, you will find a diverse choice of rehab clinics that specialize in alcohol and drug addiction. These centers offer outpatient care and intensive clinical programs, including relapse prevention therapies.

Spain

Clinics in Spain offer a mix of traditional and modern treatments, often at a lower price than in other countries. Many Dutch patients choose Spain due to the quality care and the climate, which contributes to a relaxed recovery environment. Coastal clinics in Spain often provide holistic approaches and diverse therapies in a serene setting, from beaches to historic locations.

Why Consider Rehab Abroad?

Rehab from an addiction is a complex process that requires customization. A rehab clinic abroad offers several advantages.

• Innovative Treatment Methods: Foreign clinics can offer unique treatment methods that may not be available in your home country.
• Distance from Familiar Environment: Being treated in a new, unfamiliar environment can help you distance yourself from daily triggers and stressors that might affect your recovery.
• Shorter Waiting Times: Even if you choose to use your insurance, the waiting times abroad are often significantly shorter than in the Netherlands. In the Netherlands, waiting times for rehab treatment can extend up to 3-4 months. In contrast, in many foreign clinics, you can start in just a few weeks.

Conclusion

Treatment in a rehab clinic abroad can be a valuable option for those seeking innovative treatment methods, a fresh start, and shorter waiting times. It is important to thoroughly research your health insurer’s reimbursement options, the costs and facilities of the clinic, and possibly the daily structure of the treatment beforehand. Popular destinations like South Africa, Thailand, Portugal, Scotland, Spain, and Germany offer various benefits and can contribute to an effective recovery path. By being well-prepared, you can make the best choice for your personal situation and recovery needs.