Fine for Uninsured Health Insurance in Tilburg
The fine for uninsured health insurance is a sanction imposed by the Central Administration Office (CAK) on residents of Tilburg who lack basic health insurance, which is mandatory. In 2024, this amounts to €452 per uninsured month, for a maximum of four months. This is in addition to any outstanding premiums. It enforces the insurance obligation under the Health Insurance Act (Zvw), ensuring everyone in Tilburg has access to healthcare.
Why this fine for Tilburg residents?
In the Netherlands, and thus in Tilburg, all residents aged 18 and older must have basic health insurance. This guarantees care for everyone, regardless of wealth, health, or status. Without insurance, you risk massive bills and burden the system. The fine for uninsured health insurance encourages prompt enrollment. The CAK checks via the Municipal Personal Records Database (BRP) of the Municipality of Tilburg and sends letters to uninsured individuals.
Legal basis
The fine is provided for in the Health Insurance Act (Zvw):
- Article 2.2 Zvw: Insurance obligation from age 18 for Tilburg residents.
- Article 6 Zvw: CAK handles registration and collection.
- Article 66 Zvw: Maximum €452 per month, up to four months (€1,808 total in 2024), set by the Minister of Health, Welfare and Sport.
How much do you pay in Tilburg?
The fine scales with duration. Plus nominal premium (€145/month in 2024). Overview for Tilburg 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 |
CAK 2024; subject to annual adjustment.
How does it work in Tilburg?
The CAK scans the BRP monthly. Uninsured? Then:
- First letter: arrange coverage within 6 weeks.
- Second warning: fine imminent.
- Fine and premium decision: pay within 8 weeks.
Examples from Tilburg
Example 1: Sara moves to Tilburg in January 2024 and insures in April. CAK: 3 months premium (€435) + €1,356 fine = €1,791.
Example 2: Mark from Tilburg fails to renew in 2023. After letters: 1 month premium + €452 = €597.
Example 3: Student at Tilburg University with low income: fine waived via exceptional assistance from the Municipality of Tilburg.
Rights and obligations in Tilburg
Rights:
- Object to CAK within 6 weeks (by post/online, free).
- Appeal to the District Court of Zeeland-West-Brabant (Breda) after rejection.
- Exceptional assistance via Municipality of Tilburg for waiver.
- Request deferral from CAK if in financial hardship.
- Arrange insurance upon receipt of letter.
- Pay within 8 weeks.
- Keep BRP (Municipality of Tilburg) up to date.
Tips for Tilburg residents
Avoid the fine:
- Insure upon moving to Tilburg or turning 18. Compare policies.
- Check status at Zorgverzekeringslijn.nl.
- Low income? Healthcare allowance from Tax Authority + assistance from Municipality of Tilburg.
- Free help: Legal Aid Office Tilburg for objections.
Frequently asked questions
Received a fine in Tilburg, now what?
Object within 6 weeks to CAK (with reason + evidence). Decision within 6 weeks.
Waiver possible?
Yes, via exceptional assistance from Municipality of Tilburg for low income. CAK takes this into account.
Applies to children in Tilburg?
No, covered under parents until 18.
Employer coverage sufficient?
No, you always need your own basic insurance.
~1,200 words, current as of 2024. Personal advice: Legal Aid Office Tilburg.