Insured and private care

At Harbour Clinic we keep insured and private care strictly apart. In this article we explain the difference, and what decides which route applies to you.

Insured care

Insured care is care with a medical indication: there is a complaint that needs to be examined or treated. For specialist care you need a referral from your GP or specialist.

Physiotherapy is a special case: you can book directly, and many supplementary policies cover a number of sessions per year.

Private care

Private care covers treatments you choose yourself, for example to perform better or recover faster. You do not need a referral, and you pay for the treatment yourself.

The price is fixed beforehand and you receive it in writing, so you are never faced with surprises afterwards.

When the line is not clear

Sometimes it is not immediately clear which route applies. In that case we check it for you before anything happens. If an assessment shows a medical cause, your treatment may still fall under insured care.

This article is general information and not medical advice. Whether something applies to your situation can only be assessed during a consultation.