Fine for Uninsured Health Insurance in Westland
In Westland, the Central Administration Office (CAK) imposes the fine for uninsured health insurance on residents who fail to take out basic health insurance, which is mandatory. For 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 everyone in Westland has access to healthcare.
Why This Fine for Westland Residents?
From age 18, residents of Westland must have basic health insurance if they live or work here. This guarantees care for all, regardless of wealth, health, or background. Being uninsured undermines the system and results in exorbitant bills. The fine for uninsured health insurance encourages prompt insurance. The CAK verifies this through the Personal Records Database (BRP) of the Municipality of Westland and issues warnings.
Legal Basis
The fine is provided for in the Health Insurance Act (Zvw):
- Article 2.2 Zvw: Obligation for residents from age 18.
- 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 Ministerial Decree VWS.
How Much Fine Do You Risk in Westland?
The fine scales with the duration of being uninsured. Plus the nominal premium (€145/month in 2024). Overview:
| Number of Months | Fine (2024) | Extra Info |
|---|---|---|
| 1 month | €452 | Plus premium |
| 2 months | €904 | Built up per month |
| 3 months | €1,356 | Common case |
| 4+ months | €1,808 (max) | Plus all premiums |
CAK 2024; subject to annual adjustment.
When and How Do You Receive the Fine in Westland?
The CAK scans the BRP of the Municipality of Westland monthly. Uninsured? Then:
- First reminder: Insure within 6 weeks.
- Second: Fine warning.
- Collection decision: Pay within 8 weeks.
Examples from Westland
Example 1: Sara from 's-Gravenzande moves in January 2024 and insures in April. CAK: 3 months premium (€435) + €1,356 fine = €1,791.
Example 2: Mark from Naaldwijk forgets to renew in 2023. After reminders: 1 month premium + €452 = €597.
Example 3: Student in Westland with low income: fine waived via special assistance from the Municipality of Westland.
Rights and Obligations in Westland
Rights:
- Objection to CAK (within 6 weeks, online or by post).
- Appeal to Westland District Court (Administrative Law) after rejection.
- Special assistance via the Municipality of Westland.
- Deferral from CAK in cases of financial hardship.
- Free advice from the Westland Legal Aid Office.
- Insure immediately after a reminder.
- Pay within 8 weeks.
- Keep BRP up to date via the Municipality of Westland.
Tips for Westland Residents
Avoid the fine:
- Insure immediately upon moving to Westland or turning 18. Compare via our tool.
- Check status on Zorgverzekeringslijn.nl.
- Financial support: healthcare allowance from the Tax Office, benefits from the Municipality of Westland.
- Help with objections: Westland Legal Aid Office or Arslan Advocaten.
Frequently Asked Questions for Westland
Received a fine, what to do?
File an objection with CAK within 6 weeks (with reason and proof). Decision within 6 weeks.
Waiver possible?
Yes, special assistance from the Municipality of Westland for low income. CAK takes this into account.
Applies to children?
No, covered under parents' policy until age 18.
Employer coverage sufficient?
No, separate basic health insurance is mandatory.
~1,200 words, current for 2024. For personal advice: contact us.