ACCESS NL > Healthcare in the Netherlands > Dutch medical insurances > Dutch health insurance > What will happen if I don’t take out Dutch health insurance?
Dutch health insurance
What is included in the basic Dutch health insurance package?
Are there different health insurance policies? And what is the difference?
Is dental healthcare covered by the insurance?
Can I get additional coverage for my health insurance?
How will my children be insured?
Do I need to take out Dutch health insurance if I am on a short-term stay?
I just took out a Dutch health insurance policy but now the insurance company wants me to pay the premium for a few months retrospectively. Can they do that?
Do I need a Dutch health insurance or can I use an international health insurance?
If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?
What will happen if I don’t take out Dutch health insurance?
If you don’t take out Dutch health insurance within four months after registering in the Netherlands, you will get a letter from the CAK, the Dutch Healthcare Institute, reminding you to take out health care insurance within three months. If you fail to do so, you will have to pay a penalty. Then you will get another three months to take out a health insurance. If you still haven’t done that after this time, you will have to pay a second penalty and the CAK will arrange a health insurance for you. The verzekeringspremie (insurance premium) will be higher than if you had taken out health insurance yourself. Please note that this premium will be automatically deducted from your income during 12 months.