Coverage & costs
The statutory deductible in 2026 is €385. It applies to all insured care — including mental health care at AvondFocus.
Specialist mental health care — including ADHD treatment — falls fully under the deductible. There is no exemption as there is for GP care.
You pay a maximum of €385 per calendar year. Once your deductible is used up, it no longer applies to further care that year. It starts again on 1 January.
At AvondFocus you first pay the invoice yourself and submit it to your insurer. Read the full claims process on the page about non-contracted care.
You can voluntarily raise your deductible to a maximum of €885 (+€500) in exchange for a lower monthly premium. But if you expect mental health treatment, this is almost never advantageous:
Yes, absolutely. The statutory deductible applies to all insured mental health care, regardless of whether the provider holds a contract with your health insurer. At AvondFocus the deductible always applies once you receive insured mental health treatment.
If you do not use insured care, your deductible will not be drawn upon. However, consider: ADHD treatment at AvondFocus is insured specialised mental health care. The deductible is a one-off threshold per year — once it is met (€385 in 2026), it no longer applies to further care that year.
You can voluntarily raise your deductible to a maximum of €885 per year (€385 statutory plus €500 voluntary) in exchange for a lower monthly premium. Whether this is advantageous depends on how much care you use. If you expect to receive mental health treatment, a higher voluntary deductible is almost never beneficial: you pay the deductible amount anyway, and the premium saving rarely offsets the higher out-of-pocket cost. Always check your personal situation against your policy conditions.
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