Without Diagnosis 

Health insurers do not (or no longer) reimburse treatment for minor disorders such as adjustment problems, mourning, excessive stress and specific phobias.  Moreover, many symptoms are not immediately a disorder, for example if you still function reasonably well in your work and private life. However, these issues can also benefit from treatment by a professional. Psycheheal therefore focuses on treatment without diagnosis, without a referral letter and without the health insurer.  

For the interested party a good article from the NRC on this issue is: 

https://www.nrc.nl/nieuws/2013/12/21/een-diagnose-die-vergoed-wordt-graag-1326880-a985259