Each year in December you will receive an invoice for the healthcare contribution for your family members for the upcoming year. In February or March (at least before 1 April) you will receive an annual statement for the past year. This will state whether you have paid too much, too little or exactly the right amount.
How can I unsubscribe my family member?
Are you paying a healthcare contribution for your family member, but is this not correct? For example, because he or she has a job and his own health insurance? Then you have to notify the local health insurance fund or the local health insurance company in your country of residence. They will check and notify us. We will not be able to unsubscribe your family member without notification from the health insurance fund or the health insurance company.
How much time do I have to make the payment?
You do not need to pay the invoice you will receive in December for the coming year right away. We advice you to pay in advance (for example in monthly instalments). Because after the year has ended you will receive the annual statement for the past year. If there is still an amount due, you'll have to pay the entire amount within 6 weeks.
In February or March (at least before 1 April) you will receive an annual statement for the past year. The amount of the annual statement may differ from the invoice. For example, because you have already paid (partly) or because you have registered or unsubscribed family members. You need to pay the annual statement within 6 weeks.
I lodged an objection. Do I still have to pay?
Even if you object to an annual statement, you must pay the invoice within 6 weeks. You can't wait for the outcome of your objection.
I'm getting money back from the CAK. How long will that take?
We will transfer the amount to your account as soon as possible. At least within 6 weeks. We can only do this if we know your bank account number.
Have you paid too much healthcare contribution over a year? Then you'll get this amount back plus interest. The interest accrues after the end of the year until the date of reimbursement.
Example: you will receive a refund for 2021 on 15 March 2022. We then calculate the interest over the period 1 January 2022 to 15 March 2022.
Can my family member pay the annual invoice?
Yes. The annual statement is in your name because you work in the Netherlands, but your family member can also pay. Do not forget to fill in the payment details when making a bank transfer.
What does the CAK do if I do not pay on time?
Does your annual statement show that you have not paid at all or too little over the past year? Then you have 6 weeks to transfer this amount to us. You can also enter on a payment arrangement.
Are you unable to pay within 6 weeks and have you not contacted us about a payment arrangement? Then we will send you a reminder. You will then have another 2 weeks to pay.
If you still don‘t pay, we’ll send you a notice. This is your last chance to pay the annual statement. You have 2 weeks to do so.
If you have not paid after the reminder and the notice, we will contact the bailiff. The amount you have to pay will be higher then. You also pay the collection costs of the bailiff.
Sometimes the bailiff notifies us that you really can't pay at that time. We'll stop the debt collection temporarily. The bailiff checks once a year whether you can pay at a later time. If this is the case, we'll start the debt collection again.
I am receiving help with debt problems. How does this affect my healthcare contribution?
If you work in the Netherlands, you can receive help in the Netherlands with the settlement of your debts. This is referred to as the Amicable Debt Management Scheme for Natural Persons (Minnelijke Schuldsanering Natuurlijke Personen, MSNP). If the debt counsellor is affiliated with the Dutch Association of Municipal Money-Lending and Debt Counselling Institutions (NVVK), we will cancel a portion of your outstanding debt. This will be the amount remaining after we have received money via the debt assistance organisation.
Are you receiving assistance with the settlement of your debts in your country of residence? If so, we will assess your situation separately. This is because participation in a statutory debt management scheme differs from one treaty country to another.