I received a letter that I'm uninsured
You have received a letter because our records show that you are not insured. It is important that you take action. There are 2 possible actions when you receive our letter. Choose the one that fits your situation.
Action A: get a Dutch health insurance
You follow option A when you are required to have a Dutch health insurance. For instance when you:
- have the Dutch nationality, and you do not work abroad.
- are from abroad, and you work in the Netherlands.
Getting a Dutch Basic health insurance
Action B: Request a Wlz assessment if you think you do not need Dutch health insurance
If you are in the Netherlands because you study here, or work for a foreign employer for example, this mandatory healthcare requirement may not apply to you. The Social Insurance Bank (SVB) can prove this for you, with a Wlz assessment.
Read more about applying for the Wlz assessment.
What happens if I do nothing?
If you haven't requested a Wlz assessment or taken out basic insurance within three months after receiving our letter, you will be fined by the CAK. You pay this fine to the CJIB with a payment request. The amount of the fine in 2025 is € 528,00 (€ 496,74 in 2024). This amount is indexed annually.
I have already taken out Dutch health insurance. Why am I uninsured according to the CAK?
If you have already taken out Dutch basic health insurance, please contact your health insurer. Ask them if your insurance is indeed a Dutch basic health insurance. If it is, your insurance must be registered in the insured persons database. In Dutch this is called Referentiebestand Verzekerden Zorgverzekeringswet (RBVZ). Your health insurer must make sure of this. If they do, you will not hear from us anymore.
You have received a letter because our records show that you are not insured. It is important that you take action. There are 2 possible actions when you receive our letter. Choose the one that fits your situation.
Action A: get a Dutch health insurance
You follow option A when you are required to have a Dutch health insurance. For instance when you:
- have the Dutch nationality, and you do not work abroad.
- are from abroad, and you work in the Netherlands.
Action B: Request a Wlz assessment if you think you don't need Dutch health insurance
If you are in the Netherlands because you only study here, or work for a foreign employer for example, this mandatory healthcare requirement may not apply to you. The Social Insurance Bank (SVB) can prove this for you, with a Wlz assessment.
There are many Dutch health insurers that you can choose from. The larger insurance companies often offer several health insurances.
More information for a list of Dutch health insurances.
Important:
There are also insurance companies, like Aon, that are authorized to sell Dutch basic health insurances from other health insurance concerns. This is called a volmacht or verzekeringsmakelaar. These companies are not Dutch basic health insurances. They sell Dutch basic health insurances from another insurer as an intermediate. Please make sure with them, that your insurance is a Dutch basic health insurance.
Tip
Enter ‘compare Dutch basic health insurance’ into your web search engine. You will find several websites to help you compare and pick a Dutch basic health insurance.
This depends on whether or not you have to be insured with a Dutch health insurance. Regardless of your situation: if you receive our letter, you need to take action to prevent a fine.
Please follow action A or B when you receive our letter.
Pay attention
A lot of international students and expats are insured with international or private insurance companies, like AON, OOM, Cigna or Allianz. These are not Dutch basic health insurances. This means you are uninsured according to us. If you get our letter you must undertake action A or B.
Do you work next to your studies?
Then you need a Dutch health insurance. Get one as soon as possible, within 3 months after the date of our letter.
Getting a Dutch Basic health insurance
Do you not work next to your studies?
Then you need to apply for a Wlz assessment at the Sociale verzekeringsbank (SVB). The result of this assessment will be your proof that you do not need Dutch health insurance. If the SVB concludes that you don't need Dutch health insurance, we will close your file.
Read more about the Wlz assessment and what happens next.
What happens if I do nothing?
If you haven't requested a Wlz assessment or taken out basic insurance within three months after receiving our letter, you will be fined by the CAK. You pay this fine to the CJIB with a payment request. The amount of the fine in 2025 is € 528.00 (€ 496.74 in 2024). This amount is indexed annually.
The Wlz assessment takes up to eight weeks. There are 2 possible results:
You are insured under the Wlz scheme
This means you need to have Dutch basic health insurance. You need to get one as soon as possible. You remain uninsured in our records.
You are not insured for the Wlz
This means you do not need to take out insurance. We close your file after this result.
We also send you a letter about the result
The SVB shares the result with us. We will send you a letter within three weeks after receiving the results. Please contact us using the contact form or call us on 0800 - 5028 if you have not received this letter.