If you do not pay your health insurance premium in Westland, you will first receive warnings. After 6 months of arrears, you fall under the defaulters scheme and pay an increased premium via the CAK.
What happens in case of payment arrears?
Your health insurer follows a clear process:
- 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, the CAK takes over the collection. This means:
- The CAK manages your premium payments
- You pay a higher administrative premium
- The premium amounts to € 160.06 per month (2024 rate)
- This is deducted directly from your salary or benefit
Impact of the defaulters scheme
| Element | Effect |
|---|---|
| Premium amount | € 160.06 per month (higher than standard) |
| Deduction | Automatically deducted from your income |
| Debt status | Original arrears remain with the insurer |
| Insurance coverage | Basic care remains guaranteed |
Exiting the defaulters scheme
You can leave the scheme by:
- Paying the full arrears in one go
- Agreeing on a payment plan with your insurer and adhering to it for 6 months
- Applying for debt restructuring (via WSNP or an amicable arrangement)
Help in Westland
If you live in Westland and have trouble paying, you can contact Juridisch Loket Westland for free advice. In addition, the municipality of Westland can offer debt assistance. For legal proceedings regarding debts, you can go to the District Court of The Hague, which covers the district for Westland.
Frequently asked questions about health insurance premium arrears
Do I remain insured in case of payment arrears?
Yes, your basic insurance always remains active. An insurer may not deregister you.
Can I switch insurers with arrears?
No, switching is not possible as long as you have payment 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. If you have no income, seek help from the municipality of Westland for debt assistance.
Extra questions and answers
How quickly do I receive a warning for non-payment?
After the first month of arrears, you receive a reminder. In the second month, a demand letter follows, and from month three, the insurer engages a collection agency. After 6 months, you enter the CAK defaulters scheme with a higher premium. Contact your insurer immediately for a solution if you have financial problems.
What if I cannot pay my premium due to unemployment?
In case of unemployment or reduced income, you can seek help from the municipality of Westland. They offer debt assistance or can refer you to appropriate arrangements. Do not wait too long to seek support.