Health insurance (administrative fine) | CJIB.nl (2024)

FAQs

How much is the fine for not having health insurance in the Netherlands? ›

If you haven't requested a Wlz assessment or taken out basic insurance within three months after receiving our letter, you will be fined by the CAK. You pay this fine to the CJIB with a payment request. The amount of the fine in 2024 is € 496,74. This amount is indexed annually.

You can prepare the insurance refund request (Zorgtoeslag) on your own. You have to call Belastingdienst by the following number: +31 55 538 53 85. After that, you need to request the Zorgtoeslag form.

General practitioners (huisartsen) play an important role in the Dutch healthcare system; they are the first port of call if you have health problems. You must have health insurance, which is mandatory, to use Dutch healthcare.

An S1 form is proof of your Dutch health insurance. You can use it to apply for health insurance cover in your home country.

If you default on your insurance premium payments, your health insurer will offer you a payment scheme. If you have not paid premiums for six months, the insurer will report you to the Central Administration Office (CAK). The premiums will then be withheld from your pay and remitted to the CAK.

When do I need to take out compulsory health insurance? If you come to live or work in the Netherlands you need to take out Dutch health insurance as quickly as possible. And no later than 4 months after arriving.

You can cancel your health insurance in the Netherlands and change insurer up to 31 December each year. If you indicate your wish to cancel your Dutch health insurance before 31 December, the contract will end as at 1 January. In some situations, you can also cancel your Dutch health insurance in the course of a year.

If you don't have insurance, you'll still receive care and treatment in any emergency situations. However, healthcare in the Netherlands for foreigners isn't free. You'll be expected to pay for any medical care you receive. If you don't have the financial ability to pay for your care, assistance may be available.

You need to pay the excess when you are 18 or older and receive care covered by your basic insurance. The Dutch government determines the amount of the compulsory excess. In 2021 this has been fixed at €385. If your care costs less than €385, you will not have to pay the full amount.

You'll start paying premiums only from the date you sign up for the policy, and there won't be any additional retroactive charges. However, any medical expenses incurred between your arrival and the insurance start date will not be reimbursed.

How to stop healthcare allowance in the Netherlands? ›

You can do so using the contact form on the CAK website or by sending a letter to the CAK. By notifying the CAK in a timely manner that your benefit is stopping you can avoid having to pay back any healthcare costs at a later date.

The Dutch health insurance system

Healthcare in the Netherlands is funded through taxation: mandatory health insurance fees and taxation of income (pre-specified tax credits). Health insurance in the Netherlands is mandatory if you are here on a long-term stay and is designed to cover the cost of medical care.

Introduction. he Dutch healthcare system ranks 3rd in the 2022 World Index of Healthcare Innovation, with an overall score of 59.86, behind only Switzerland (1st, 66.49) and Ireland (2nd, 60.04). The Netherlands ranked 2nd in 2021, and 3rd in 2020.

What kind of insurance do I need when applying for a visa for the Netherlands? When you apply for a Schengen visa for the Netherlands you must have health insurance or travel insurance that covers any medical expenses you may incur while in the Schengen area.

If you do not take out a standard insurance package, the Central Administration Office (CAK) will register you with an insurer and the premium will be withheld from your pay. If you need medical care but are not insured, you must pay the costs yourself.

If you don't have a European Health Insurance Card (EHIC), or you can't use it (for instance, for private health care), you can't be refused treatment, but you might have to pay for your treatment upfront and claim reimbursem*nt once you get home.

Does the Netherlands Have Free Public Healthcare? In short, no, healthcare in the Netherlands is not free. Everyone who lives or works in the country must take out private health insurance.

When do I need to pay excess? You need to pay the excess when you are 18 or older and receive care covered by your basic insurance. The Dutch government determines the amount of the compulsory excess. In 2021 this has been fixed at €385.