If you do not pay the premium for your health insurance in Rijswijk, you will first receive warnings. After an arrears period of 6 months, you fall under the defaulters scheme and pay an increased premium via the CAK.
What happens if you do not pay?
Your health insurer follows a standard procedure for payment arrears:
- First month: a reminder notice
- Second month: an official demand letter
- From the third month: involvement of a collection agency
- After 6 months: transfer to the CAK for the defaulters scheme
Defaulters scheme explained
If you have not paid for 6 months or longer, your insurer registers you with the CAK. This means:
- The CAK takes over the collection of the premium
- You pay an increased monthly premium (administrative premium)
- The premium amounts to € 160.06 per month (2024 rate)
- This is directly deducted from your salary or benefit
Impact of the defaulters scheme
| Component | Effect |
|---|---|
| Monthly premium | € 160.06 (higher than standard) |
| Collection | Automatically deducted from income |
| Old debt | Remains outstanding with the insurer |
| Insurance | Basic coverage remains active |
Exiting the scheme
You can leave the defaulters scheme by:
- Settling the entire arrears in one go
- Agreeing on a repayment plan with your insurer and adhering to it for 6 months
- Starting a debt restructuring process (WSNP or amicable settlement)
Help in Rijswijk
If you are having trouble paying, you can seek help in Rijswijk at the Juridisch Loket Rijswijk for free advice. In case of legal disputes over health insurance, this falls under the District Court of The Hague. For financial problems, also contact the municipality of Rijswijk for debt assistance.
Frequently asked questions about health insurance premium arrears
Do I remain insured if I do not pay?
Yes, your basic insurance remains valid. The insurer may not deregister you.
Can I switch insurers with a payment arrears?
No, switching is not possible as long as there is an arrears. First settle the debt or make an arrangement.
What if I cannot pay the increased CAK premium?
The CAK automatically deducts the premium from your income. No income? Seek help from the municipality of Rijswijk for debt assistance.