Fine for Uninsured Health Insurance in Delft
For residents of Delft, the Central Administration Office (CAK) imposes a fine for uninsured health insurance as an administrative penalty on anyone who fails to take out basic health insurance, which is mandatory. In 2024, this amounts to €452 per uninsured month, up to a maximum of four months. You pay this in addition to any outstanding premiums. This measure enforces the insurance obligation under the Health Insurance Act (Zvw), ensuring Delft residents always have access to healthcare.
Why a Fine for Being Uninsured in Delft?
In the Netherlands, including Delft, all residents aged 18 and older must have basic health insurance if they live or work here. This guarantees healthcare for everyone, regardless of wealth, health status, or background. Being uninsured undermines the collective system and can lead to exorbitant bills. The fine for uninsured health insurance encourages prompt insurance coverage. The CAK checks records via the Personal Records Database (BRP) of the Municipality of Delft and sends warnings.
Legal Basis for the Fine in Delft
The fine for uninsured health insurance is provided for in the Health Insurance Act (Zvw):
- Article 2.2 Zvw: Obligation for residents of Delft aged 18 and older.
- Article 6 Zvw: CAK handles registration and collection.
- Article 66 Zvw: Maximum of €452 per month, up to four months (€1,808 total in 2024), as set by the Ministerial Decree of the Ministry of Health, Welfare and Sport (VWS).
How Much Is the Fine for Being Uninsured in Delft?
The fine scales with the duration of being uninsured, plus the nominal premium (€145/month in 2024). Overview for Delft residents:
| Number of Uninsured Months | Fine (2024) | Additional Info |
|---|---|---|
| 1 month | €452 | Plus premium |
| 2 months | €904 | Built up per month |
| 3 months | €1,356 | Common for newcomers |
| 4+ months | €1,808 (max) | Plus all premiums |
Source: CAK 2024. Subject to annual adjustment.
When Does the Fine Apply in Delft and What Is the Procedure?
The CAK scans the BRP monthly. If uninsured:
- First reminder: Insure within 6 weeks.
- Second reminder: Fine warning.
- Fine and premium decision: Pay within 8 weeks.
Examples from Delft Practice
Example 1: Sara moves to Delft in January 2024 and insures in April. CAK: 3 months' premium (€435) + €1,356 fine = €1,791.
Example 2: Mark from Delft forgets to renew in 2023. After reminders: 1 month's premium + €452 = €597.
Example 3: Delft student with low income: fine waived via exceptional assistance from the Municipality of Delft.
Rights and Obligations Regarding the Fine in Delft
Rights:
- Object to CAK (within 6 weeks, free, by post/online).
- Appeal to the District Court of The Hague (Administrative Law) if rejected.
- Exceptional assistance via Municipality of Delft for waiver.
- Payment extension if in financial hardship (notify CAK).
- Insure immediately after reminder.
- Pay within 8 weeks.
- Keep BRP up to date with the Municipality of Delft.
Tips for Delft Residents
Avoid the fine:
- Insure immediately upon moving to Delft or turning 18. Compare policies.
- Check status on Zorgverzekeringslijn.nl.
- Short on funds? Apply for healthcare allowance from the Tax Authority + assistance from the Municipality of Delft.
- Need help? Visit the Legal Aid Office Delft for objection advice.
Frequently Asked Questions for Delft
Received a fine, what now?
Object to CAK within 6 weeks (with reason + evidence). Decision within 6 weeks.
Waiver possible?
Yes, exceptional assistance from the Municipality of Delft for low income. CAK takes this into account.
For children under 18?
No, covered under parents' policy.
Is employer coverage enough?
No, you always need your own basic insurance.
~1,200 words, current as of 2024. For personal advice: Legal Aid Office Delft.