If you are uninsured, you have no health insurance. You are not allowed to be uninsured if you live or work in the Netherlands.
Everyone who lives or works in the Netherlands must have basic health insurance. This is the law. Health insurance provides protection against significant healthcare costs. It means you do not need to pay as much to see a doctor or visit a hospital. If you do not have health insurance, you have to pay any healthcare costs yourself and you can be fined by the CAK (Centraal Administratie Kantoor).
If you do not have insurance, you must pay all your healthcare costs yourself. A hospital visit can cost a lot of money. In addition, the CAK can fine you hundreds of euros. You must therefore make sure you arrange health insurance within four months after you come to live or work in the Netherlands.
If you do not take out you health insurance in time, your insurance can be made effective from the time you had to be compulsorily insured in the Netherlands. In this case, you will have to pay the premiums for that period.
If you are uninsured, take out a new health insurance policy as soon as possible. An insurer is not allowed to refuse you if you are required to have insurance. In some cases, the insurer can insure you with retroactive effect. If this happens, you will pay premiums for the months you should have been insured.
Take out health insurance with a Dutch insurer immediately. This insurance is compulsory for everyone who lives or works in the Netherlands. You can compare different insurance policies. Choose the basic insurance that suits you. Do not wait, or you can be fined or face significant healthcare costs.
Yes, the CAK can fine you if you do not have health insurance. The first fine is a significant amount. If you still do not pay for health insurance, a second fine will be imposed. Following this, the CAK may take out compulsory insurance for you and you will have to pay the costs of this insurance to the CAK.
Yes. Call the CAK, the SKGZ expertise centre or a health insurer for help. In some cases, a payment plan is possible. You can also claim healthcare benefit from Belastingdienst. This benefit makes health insurance more affordable.
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