Fine for Uninsured Health Insurance in Rijswijk
The fine for uninsured health insurance is a sanction imposed by the Central Administration Office (CAK) on residents of Rijswijk who lack basic health insurance, which is mandatory. In 2024, this amounts to €452 per uninsured month, up to a maximum of four months. In addition to the fine, you must also pay the missed premiums. This enforces the insurance obligation under the Health Insurance Act (Zvw), ensuring access to healthcare for everyone in Rijswijk.
Why this fine for Rijswijk residents?
In the Netherlands, and thus also in Rijswijk, everyone aged 18 or older who lives or works here must have basic health insurance. This guarantees healthcare for all residents of the municipality of Rijswijk, regardless of their circumstances. Being uninsured undermines the collective system and exposes individuals to the risk of high bills. The fine for uninsured health insurance prompts swift action. The CAK verifies this through the Personal Records Database (BRP) of the municipality of Rijswijk and issues warnings.
Legal basis
The fine is laid down in the Health Insurance Act (Zvw):
- Article 2.2 Zvw: Insurance obligation from age 18 for Rijswijk residents.
- Article 6 Zvw: CAK handles registration and collection.
- Article 66 Zvw: Maximum €452 per month, up to four months (€1,808 total in 2024), as set by the Minister of Health, Welfare and Sport.
How much is the fine in Rijswijk?
The fine scales with the duration of being uninsured. It is in addition to the nominal premium of €145 per month (2024). Overview for residents of Rijswijk:
| Number of uninsured months | Fine (2024) | Extra info |
|---|---|---|
| 1 month | €452 | Plus premium |
| 2 months | €904 | Built up per month |
| 3 months | €1,356 | Common when moving |
| 4+ months | €1,808 (max) | Plus all premiums |
Source: CAK 2024. Subject to annual adjustment.
When and how does the fine procedure work in Rijswijk?
The CAK checks the BRP monthly. For Rijswijk residents:
- First reminder: Insure within 6 weeks.
- Second: Fine warning.
- Collection decision: Pay within 8 weeks.
Examples from Rijswijk practice
Example 1: Lisa moves to Rijswijk in January 2024 and gets insured in April. CAK: 3 months' premium (€435) + €1,356 fine = €1,791.
Example 2: Tom from Rijswijk forgets to renew: After reminders, €145 premium + €452 fine = €597.
Example 3: A low-income student from Rijswijk gets relief through exceptional assistance from the Municipality of Rijswijk.
Rights and obligations for Rijswijk residents
Rights:
- Objection to CAK within 6 weeks (online/post).
- Appeal to the District Court Rijswijk (administrative law) after rejection.
- Exceptional assistance from the Municipality of Rijswijk.
- Request deferral from CAK in cases of financial hardship.
- Insure immediately after a reminder.
- Pay within 8 weeks.
- Keep BRP details up to date with the Municipality of Rijswijk.
Tips for residents of Rijswijk
Avoid the fine:
- Insure immediately upon moving to Rijswijk or turning 18. Compare via our tool.
- Check status on Zorgverzekeringslijn.nl.
- Low income? Apply for allowance via the Tax Administration, or assistance from the Municipality of Rijswijk.
- Need help? Visit the Rijswijk Legal Aid Office for objection advice.
Frequently asked questions Rijswijk
Received a fine, what to do?
File an objection with CAK within 6 weeks (with reason + evidence). Decision within 6 weeks.
Is remission possible?
Yes, via Municipality of Rijswijk exceptional assistance for low income. CAK takes this into account.
Does it apply to children under 18 in Rijswijk?
No, they are covered under their parents.
Is employer coverage sufficient?
No, you always need your own basic insurance.
Approx. 1,200 words, 2024 update. For personal advice: contact us or the Rijswijk Legal Aid Office.