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Other situations


I do not live in the Netherlands anymore. I live and/or work abroad. Why have I received a letter stating that I am uninsured?

This can happen for a number of reasons. For example because you are (still) registered in the Netherlands, or work for a Dutch employer. This registration may require you to take out Dutch basic insurance. To avoid a fine and ascertain whether you need to take out health insurance, you need to apply for a Wlz assessment.

Request a Wlz assessment if you think you do not need Dutch health insurance

If you live or work abroad you might not need Dutch health insurance. The Social Insurance Bank (SVB) can prove this for you, with a Wlz assessment. This way you can avoid getting a fine from us.

If you don't live in the Netherlands anymore

You received our letter because you are still registered on a Dutch address. Contact the municipality where you lived if you moved out of the Netherlands.

Read more about the Wlz assessment and what happens next.

How can I submit personal changes?

How do I submit a change in my personal situation?

It is important to inform us of changes in your situation. You can only do that with a letter. For example if you:

  • stop working because you retire.
  • stop working because you have another job or have been fired.
  • want to change your address.

Please attach proof to your letter. Such as a copy of your dismissal letter or a decision from your benefits agency.

Read more about submitting personal changes.

My relative passed away. Do I still need to pay the CAK?

In case of passing away

We no longer send bills after someone dies. Relatives or heirs don't have to pay us any premiums or fines.

Did your relative pay us health insurance premiums?

We will then send you a final statement. You don't have to pay this. Does the final settlement show that your relative paid too much? Then you, as heirs, will receive this amount back.

Did your relative live abroad?

Would you please let us know via our contact form? It may take a while before we are informed by the foreign municipality.




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The Netherlands has good social services and good care for everyone. We are proud to contribute to this by carefully performing our statutory tasks.

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