I received a fine
Did you get a Dutch basic health insurance in time?
If your basic insurance started within three months of the date of our letter, the fine will automatically be revoked. You do not need to take any action. If you have already paid (part of) the fine, we will refund the amount paid.
If your health insurance started three months after the date of our letter, you will still have to pay the fine to the CJIB.
Please make sure that your insurance is indeed a Dutch basic health insurance
Contact your insurer to make sure that you have a Dutch basic health insurance (basisverzekering). Do you have a private or international health insurance? Or an insurance from your home country? Then you don't have a Dutch health insurance.
Request a Wlz assessment if you think you do not need Dutch health insurance
When you receive a fine, you need proof that you did not need Dutch health insurance at the time of the fine, or the time of our first letter. The Social Insurance Bank (SVB) can prove this for you, with a Wlz assessment.
Yes, you can. A proposed payment schedule is set out in the payment request you received from the CJIB. This is the letter informing that you must pay a fine. If you have any questions about this, please contact the CJIB.
An explanation of the amount in 2025:
- The fine consists of 3 times an amount of € 176,00;
- Someone with health insurance pays that amount per month on average;
- A large part of the health insurance premium, a smaller part of the deductible;
- The average health insurance premium in 2025 is €156,67 per month;
- The expected average amount of the deductible in 2025 is € 19,33 per month;
- Together that is € 176,00;
- The fine follows after 3 months of no action;
- Therefore, the total amount is 3 x € 176,00 = € 528,00.
Read a more detailed explanation in the Government Gazette (Staatscourant)