If you have private health insurance (PKV) or if you are covered by the government health insurance system (GKV) and have supplementary insurance, you can submit the invoices to your private or supplementary insurance and may be eligible for reimbursement of costs for psychotherapy in accordance with the German Alternative Practitioners Act ("Erlaubnis, die Heilkunde beschränkt auf das Gebiet der Psychotherapie auszuüben", Heilpraktiker nach HeilprG). If you are intending to fund your therapy costs through insurance, please check whether the costs will be fully or at least partly covered by your individual policy. Please contact your insurer for clarification.

However, sometimes it can prove beneficial to fund the costs of therapy yourself. For example to bridge the gap while you are waiting for a therapy place  with a psychotherapist accredited by the Government Health Insurance System  but require immediate help with crisis intervention or stabilisation.

You may also fund therapy yourself if you wish to avoid registering in your medical record that you had therapy since a medical history showing a mental disorder may limit your choice to change health insurance or will negatively impact your tariffs and will exclude you from any future inability to work-insurance or life term-insurance and  hospital daily benefits.

The costs for counselling in any context - marriage, family, educational or psychosocial - and coaching are categorically not covered by any health insurance.  

However, if counselling or coaching is an preventive measure to maintain or increase one's ability to work, for example burn-out prevention in case of job-related stress etc., the costs are tax deductible as income-related expenses. 

Additionally, some home contents insurances cover the costs for psychological counselling for victims of burglary. Please contact your insurance for clarification.