Psychological care
Need psychological care? Reimbursement is available from statutory health insurance and the CM benefit.
Health insurance provides reimbursement for psychological care organised by a mental health care network.
As a CM member, thanks to the CM benefit , you can also count on reimbursement for psychological sessions or psychotherapy that are not reimbursed by health insurance - under certain conditions.
Health insurance
In Belgium, health insurance is mandatory. Everyone who contributes can benefit from it.
CM benefit
As a CM member, you receive additional benefits in addition to your mandatory health insurance. This will be expanded in 2026 to include more reimbursable sessions and higher reimbursements.*
Health insurance
Health insurance reimburses psychological care in primary care through three functions: community-based interventions, primary psychological support and psychological treatment in primary care.
As of February 1, 2024, children and young people up to and including 23 years of age no longer pay a personal contribution for psychological care sessions organized by a mental health network. There is also no personal contribution for group sessions in the community-based interventions function. This also applies to the first individual consultation.
Are you 24 years or older? Then you pay this personal contribution:
- 11 euros per session (or 4 euros if you have the increased allowance) for individual sessions;
- 2.50 euros per session for group sessions.
What is a Mental Health Network?
Please note: not all clinical psychologists and educational psychologists are eligible for this contract. You can find this reimbursed psychological care with clinical psychologists and educational psychologists who have an agreement with the mental health network.
Sessions can be held individually or in groups. They can take place in a network practice room, in a suitable room at the patient's home, or via video.
Health insurance reimbursement is limited to the number of sessions. The following factors are taken into account:
- The type of psychological function (community-based interventions, primary psychological support, and primary psychological treatment). Together with your clinical psychologist or educational psychologist, you will determine which function is most suitable for your needs. More information about the different types of psychological functions can be found here .
- The age group (children and young people up to and including 23 years old, or adults aged 15 and up). The age groups overlap : children and young people up to and including 23 years old, and adults aged 15 and up. Young adults aged 15 to 23 can choose which group offers them the most suitable options.
- Community-based interventions (group sessions): no limit on number.
- Primary psychological support: up to 10 individual sessions per 12 months. There is no limit on the number of group sessions.
- Primary psychological treatment: an average of 10 (maximum 20) individual sessions per 12 months. There is no limit on the number of group sessions.
- Community-based interventions (group sessions): no limit on number.
- Primary psychological support: up to 8 individual sessions per 12 months. No limit on the number of group sessions.
- Primary psychological treatment: an average of 8 (maximum 20) individual sessions per 12 months. There is no limit on the number of group sessions.
BloomUp
Would you like to request a video call with a psychologist or psychotherapist?
Read here howWhat should you do?
Contact a clinical psychologist or clinical educational psychologist affiliated with a mental health care network that has signed the new agreement with the National Institute for Health and Disability Insurance (RIZIV).
What are the conditions?
- Psychological care is organised by a mental health care network that has signed the new agreement with the National Institute for Health and Disability Insurance (RIZIV).
- Individual sessions are supervised by a clinical psychologist or clinical educational psychologist affiliated with such a network. For group sessions , the psychologist or educational psychologist may collaborate with other healthcare providers affiliated with the network.
- A referral or prescription is not required to initiate primary psychological care. To initiate specialized psychological care, the psychologist or educational psychologist will conduct a functional assessment during the first session.
CM benefit
Starting form January 1, 2026 as a CM member you get a refund for 20 sessions each year.*
Until December 31, 2025, as a CM member, you can count on a maximum of 24 reimbursements per lifetime. Only one session is reimbursed per day .
Fully digital programs (such as BloomUp ) are also eligible for reimbursement. These must take place via a secure online communication channel that guarantees the minimum conditions and rules of use for secure communication, as stated on the eHealth platform .
For children or young people up to and including 24 years of age who are dependent children or are entitled to a Growth Package.
Treatments from January 1, 2026* : 50 percent of the paid fee will be reimbursed per session, with a maximum of €35 . Members with increased reimbursement will receive a 75 percent refund of the paid fee per session, with a maximum of €55.
Treatments up to and including December 31, 2025 : 50 percent of the paid fee will be reimbursed per session, with a maximum of €30 . Members with increased reimbursement will receive a 75 percent refund of the fee per session, with a maximum of €45.
Treatments from January 1, 2026* : CM will reimburse €20 per session. Members with increased reimbursement will receive €30 per session. Reimbursement is limited to the actual fee paid (including VAT).
For treatments up to and including December 31, 2025 , CM will reimburse €10 per session. Members with increased reimbursement will receive €15 per session. Reimbursement is limited to the actual fee paid (including VAT).
Find your healthcare provider
Find a healthcare provider for your psychological or psychotherapeutic treatment.
Complete the application form
You can request your refund using the psychological care refund application form.
- for treatments up to and including 2025: application form for psychological care
- for treatments from 2026 : application form for psychological care
For BloomUp sessions eligible for a refund, the application form is not required; the refund will be processed automatically.
Submit the form to CM
Submit the completed form or a certificate from your healthcare provider (with the patient's yellow sticker) via the My CM app or the CM mailbox .
You will receive the refund
CM will deposit the refund into your account.
What are the conditions?
- The treatment is done by:
- a clinical psychologist with an FOD visa number ;
- a clinical educational psychologist with an FOD visa number ;
- a psychotherapist who meets the recognition conditions of the FPS ;
- a clinical sexologist recognized by the Flemish Association for Sexology (VVS) .
- If the treatment is provided by a healthcare provider located abroad , the following conditions apply:
- a clinical psychologist who has a European Certificate for Clinical Psychologists (Europsy) ;
- a psychotherapist who has a European Certificate for Psychotherapists (ECP) .
- The refund does not apply to sessions
- for which reimbursement has already been received from compulsory health insurance;
- as testing and (preliminary) research;
- in a care institution, with the exception of outpatient care;
- by mental health care centres, student guidance centres, rehabilitation centres, Child & Family, the Flemish Agency for Persons with Disabilities, Social Work services, educational institutions, judicial welfare work or special youth assistance;
- where the patient is not present.