If you do not pay your health insurance premium in Utrecht, you will first receive warnings. After 6 months of payment arrears, you enter the non-payers scheme and pay an increased premium via the CAK.
What happens if you do not pay?
Your health insurer follows a fixed process in case of arrears:
- First month: a reminder notice
- Second month: an official demand letter
- From the third month: involvement of a collection agency
- After 6 months: transfer to the CAK for the non-payers scheme
Non-payers scheme: What does it 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 known as the administrative premium
- The premium amounts to € 160.06 per month (2024 rate)
- This premium is directly deducted from your salary or benefit
Impact of the non-payers scheme
| Subject | Effect |
|---|---|
| Monthly premium | € 160.06 (higher than standard premium) |
| Deduction | Automatically debited from your income |
| Old debt | Remains outstanding with the insurer |
| Insurance coverage | You remain covered for basic care |
How do you exit the non-payers scheme?
You can leave the scheme by:
- Paying off the full payment arrears in one go
- Agreeing on a payment plan with your insurer and adhering to it for 6 months
- Starting a debt restructuring process (such as WSNP or an amicable arrangement)
Help in Utrecht
If you live in Utrecht and have trouble paying, you can seek help from:
- Juridisch Loket Utrecht: Catharijnesingel 55, for free legal advice
- District Court Midden-Nederland: Vrouwe Justitiaplein 1, for debt restructuring matters
- Municipality of Utrecht: Inquire about debt assistance for financial problems
Frequently asked questions about health insurance premium arrears
Do I remain insured if I do not pay my premium?
Yes, you always remain covered for the basic insurance. Deregistration is not permitted.
Can I switch insurers with arrears?
No, switching is only possible after settling your debt or making an arrangement.
What if I cannot pay the increased CAK premium?
The CAK automatically debits the premium from your income. No income? Contact the Municipality of Utrecht for debt assistance.