Can you use insurance at Counsel Clinic? The honest answer.
Counsel Clinic is private-pay. We don't bill your insurance directly. What we do give you is a detailed paid receipt you can submit to your insurer — here's exactly what happens, so you know before you book.
The short version
- You pay Counsel Clinic directly at booking — we don't bill any insurer, anywhere.
- After your session or package purchase , we email you a detailed paid receipt with everything insurers typically ask for.
- You submit the receipt to your insurer. They decide reimbursement — that part is between you and them.
How this actually works
Three steps. No jargon. If anything is unclear, message us on WhatsApp before you book.
You pay us
You pay the full session fee through the platform at booking. Counsel Clinic is operated by a Singapore-registered company and is not contracted with any insurer — in the UAE or anywhere else.
We issue your receipt
After your session or package purchase, you get an email with a detailed paid receipt. It includes your therapist, session date and duration, amount paid in AED, and — where clinically appropriate — an ICD-10 code.
You submit to your insurer
You send that receipt to your insurer as an outpatient mental health or out-of-network claim. They review it against your specific plan and decide what to reimburse — or whether to reimburse at all.
What your receipt includes
Every receipt we issue contains the fields insurers most commonly ask for. If your insurer needs something else, tell us — we'll do what we reasonably can.
Included on every receipt
- Session date, time, and duration
- Place of service: online / telehealth
- Therapist full name and credential
- Therapist license number (where issued by a regulator)
- Service description (e.g. "Individual online therapy, 50 minutes")
- Amount paid in AED and payment date
- Platform legal entity and business registration number
- ICD-10 code (if clinically appropriate) Optional
Counsel Clinic
Paid Service Receipt
Before you book: check 3 things
Five minutes with your insurer now saves weeks of back-and-forth after a denied claim. Whatever they tell you, write it down.
1. Is mental health covered on your plan at all?
Many standard UAE plans exclude outpatient mental health entirely. Some cover it with pre-authorization. Your policy document is the answer — look for "mental health," "psychology," or "psychiatric" exclusions.
Ask your insurer: "Does my plan cover outpatient mental health or psychology sessions? In-network only, or out-of-network as well?"2. Does your plan require a network provider?
Most UAE plans operate on direct-billing networks. If Counsel Clinic isn't in your network (we aren't — we're private-pay), reimbursement is often limited or denied.
Ask your insurer: "Will you reimburse me for an out-of-network online therapy session? If yes, at what rate and with what documentation?"3. What does your insurer need on the receipt?
Some want an ICD-10 code. Some want the provider's specific licensing body. Knowing this before you book means you won't chase us for fields later.
Ask your insurer: "What specific fields do you need on an out-of-network provider's receipt for me to submit a claim?"What to expect, by region
What we've seen across our client base. Your specific plan may differ — your insurer is the only source of truth for your situation.
United Arab Emirates
Most standard UAE health plans either exclude outpatient mental health from coverage, cover it only at in-network providers, or require pre-authorization. Some premium plans — typically higher-tier employer plans and individual-pay premium packages — include out-of-network outpatient mental health with partial reimbursement.
What typically works: You pay us, submit the receipt + your insurer's claim form, and — if your plan includes out-of-network mental health — you receive a percentage reimbursement.
What typically doesn't work: Standard entry-tier plans rarely reimburse outpatient online therapy at all. Your policy document is the only source of truth for your specific situation.
Saudi Arabia
Outpatient mental health is covered under CCHI rules for Saudi-employed residents, but telehealth from an international provider is rarely reimbursed. Private premium plans occasionally cover out-of-network online therapy.
Qatar, Kuwait & Bahrain
Public coverage doesn't extend to international online therapy. Private plans vary widely — premium expat plans sometimes reimburse; standard plans rarely do.
International clients
If you're on a US, UK, or European plan, check whether out-of-network mental health telehealth is included and whether your provider needs to be licensed in your country. HSA/FSA in the US generally covers licensed mental health services, subject to your plan administrator's rules.
Our policies
A few clear rules so there are no surprises later.
Refunds are independent of your insurer
If your insurer denies or partially pays your claim, that doesn't change what you paid for your session. We can't refund a session you attended based on a third-party decision.
Diagnostic codes are clinical, not optional on request
If you want an ICD-10 code, your therapist will add one based on their clinical assessment — not on what your plan happens to cover. This protects you and the therapist.
Receipts are dated to the actual session
We only issue receipts for sessions paid through the platform and date them to the session that actually happened. We can't backdate or batch-date receipts.
Lost your receipt? We'll resend
Email support@counselclinic.com and we'll resend the original. We don't issue duplicates designed for resubmission to a second insurer.
Have a question?
Why don't you do direct billing?
Direct billing requires the platform to be contracted in-network with each insurer — a process that locks platforms into network rate cards, restricts the therapist pool, and often pushes session prices higher. Counsel Clinic chose private-pay to keep session prices transparent, offer a wider therapist pool, and allow clients to start within days rather than weeks. For many clients, the out-of-pocket cost at Counsel Clinic ends up lower than the copay on an in-network platform, even before any reimbursement.
Can I actually get reimbursed on a UAE plan?
It depends on your plan. Standard UAE plans often exclude outpatient mental health or only cover it at in-network providers. Premium plans sometimes reimburse out-of-network online therapy at a partial rate, often with pre-authorization required. Most Counsel Clinic UAE clients don't attempt to claim; those who do tend to succeed more on premium plans than on basic ones. Clients should call their insurer's member services line and ask specifically about "out-of-network outpatient mental health telehealth" before booking.
Do you issue invoices acceptable for corporate reimbursement?
Yes. Many employers reimburse mental health expenses through HR benefits, wellness stipends, or flexible benefit allowances, separate from insurance. The detailed paid receipt works for most corporate reimbursement processes. If your HR requires a specific form or an itemised invoice with additional fields, you can send it to Counsel Clinic and they will complete what they legitimately can.
Do you include CPT codes, NPI numbers, or superbills?
CPT codes and NPI numbers are US-specific billing identifiers used by in-network US providers. Because Counsel Clinic is operated by a Singapore-registered entity and is not a US clinical practice, the standard receipt is a paid service receipt — not a US-format superbill — and CPT codes are not issued at the entity level.
What if my insurer denies my claim?
Denied claims are common for out-of-network mental health, even with complete paperwork. Most insurers have a formal appeals process — in the UAE, that typically means a member services escalation or a written appeal with supporting documents. Counsel Clinic cannot reverse an insurer's decision or refund a session attended based on a third-party denial. Checking with your insurer before booking is strongly recommended.
Is a diagnosis code required? Can I leave it off?
Yes, you can leave it off — it is optional. Many insurers require an ICD-10 code to reimburse; some clients prefer to keep a mental health diagnosis off paperwork linked to employer-provided insurance. The client chooses what to include. If a code is wanted, the therapist adds one based on their clinical assessment.
My insurer asks for a specific form. Can you fill it out?
Sometimes. Many insurers have their own out-of-network claim form that the client fills in and attaches the provider's receipt to. If the form requires provider-side fields Counsel Clinic can legitimately supply (licence number, dates of service, service description), clients can message the team on WhatsApp with the form and they will complete what they can. They will not sign anything that misrepresents the service.
How long after a session will I get my receipt?
When you purchase a session or package, a confirmation email and message are sent immediately. That confirmation includes a link to download your invoice/receipt.
Couldn't find what you were looking for?
Contact our supportIf you're in crisis right now: Please contact your local emergency services or a crisis helpline. Counsel Clinic does not provide emergency care, and this page is not the right place to find it. When you're ready for ongoing support, we're here.
Still not sure? Talk to us first.
Before you book, message us with your insurer's name. If we've seen it before, we'll tell you honestly what's worked for clients in your situation — and what hasn't. No hard sell.
Information on this page last reviewed 17 April 2026. Insurance market conditions change — verify specifics with your insurer before booking.