If you do not pay your health insurance premium in Zoetermeer, you will first receive payment reminders. 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 fixed process for arrears:
- First month: a payment reminder
- Second month: a demand letter
- From the third month: engagement of a collection agency
- After 6 months: registration with the CAK for the defaulters scheme
What does the defaulters scheme entail?
If you have not paid for 6 months or longer, you will be registered with the CAK. This means:
- The CAK takes over the collection of your premium
- You pay an increased premium, also called the administrative premium
- The premium amounts to € 160.06 per month (2024 rate)
- This premium is automatically deducted from your salary or benefit
Consequences of the defaulters scheme
| Aspect | Consequence |
|---|---|
| Premium amount | € 160.06 per month (higher than standard) |
| Collection | Automatic deduction from your income |
| Old debt | Remains outstanding with the insurer |
| Insurance coverage | You remain insured for basic care |
How do you exit the defaulters scheme?
You can terminate the defaulters scheme by:
- Paying off the full arrears in one go
- Agreeing on a payment arrangement with your insurer and complying with it for at least 6 months
- Applying for debt restructuring via the WSNP or a voluntary arrangement
Help in Zoetermeer
If you have difficulty paying your premium, you can seek help from the Juridisch Loket Zoetermeer. They offer free advice on payment arrangements and debt assistance. In addition, Zoetermeer falls under the district of the Rechtbank Den Haag, where you can take legal steps in case of disputes with your insurer or the CAK.
Frequently asked questions about payment arrears
Do I remain insured in case of payment arrears?
Yes, you always remain insured for the basic insurance, even in case of arrears. Your insurer may not deregister you.
Can I switch insurers with arrears?
No, switching is not possible as long as you have payment arrears. You must first settle your 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, contact the municipality of Zoetermeer for debt assistance.
Additional questions about health insurance premium arrears
How quickly do I receive a reminder for non-payment?
After the first month of arrears, you receive a reminder. In the second month, a demand letter follows, and from the third month, a collection agency may be engaged. After 6 months, you are transferred to the CAK, which means a higher premium and automatic deduction. In case of financial problems, contact your insurer immediately for a solution.
What if I cannot pay my premium due to unemployment?
In case of unemployment or low income, you can seek help from the municipality of Zoetermeer via debt assistance. The Juridisch Loket Zoetermeer can also advise you on possible arrangements with your insurer.