If you do not pay your health insurance premium in Leiden, you will first receive warnings. After 6 months of payment arrears, you fall under the defaulters scheme and pay an increased premium via the CAK.
Steps in Case of Payment Arrears
Your health insurer follows a clear procedure in case of non-payment:
- First month: a payment reminder
- Second month: an official demand letter
- From the third month: involvement of a collection agency
- After 6 months: transfer to the CAK for the defaulters scheme
Defaulters Scheme: What Does It Entail?
If you have not paid for 6 months or longer, your insurer reports you to the CAK. This has the following consequences:
- The CAK takes over the collection of the premium
- You pay a higher administrative law premium
- The premium amounts to € 160.06 per month (2024 rate)
- This is automatically deducted from your salary or benefit
Impact of the Defaulters Scheme
| Aspect | Consequence |
|---|---|
| Premium Costs | € 160.06 per month (higher than standard) |
| Collection | Automatic deduction from income |
| Old Debt | Remains outstanding with the insurer |
| Coverage | You remain insured for basic care |
Exiting the Scheme
You can terminate the defaulters scheme by:
- Paying off the full 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 a voluntary arrangement)
Help in Leiden
If you live in Leiden and have trouble paying, you can seek help at the Juridisch Loket Leiden (Stationsweg 46) for free advice on debts and arrangements. In addition, the District Court of The Hague, Leiden location, handles matters regarding debt restructuring and legal disputes with insurers.
Frequently Asked Questions about Health Insurance Arrears
Do I remain insured if I do not pay?
Yes, your basic insurance always remains active. The insurer may not deregister you.
Can I switch insurers with arrears?
No, switching is not possible as long as you have payment arrears. First settle the debt or make an arrangement.
What if I cannot pay the increased premium?
The CAK deducts the premium from your income. If you have no income, seek help from the municipality of Leiden via debt assistance.