If the CAK says that you are not insured

If you have received a letter from the CAK to say that you are ‘not insured’, it means that you do not have health insurance with a Dutch health insurer. Dutch health insurance is compulsory for people who work in the Netherlands, or who are regarded as being resident in the Netherlands.

Take out health insurance

You must do this within 3 months. Otherwise you will get a fine from the CAK.

If you think you should not have to take out Dutch health insurance because you are not covered under the Dutch Long-term Care Act (Wlz), you can ask us to assess your insurance position under the Wlz scheme and issue a statement.

  1. Request an assessment of your Wlz Insurance position

  2. We will send you a decision

    The decision will state whether or not you are insured under the Wlz scheme

    If the decision states that you are insured under the Wlz scheme

    This means you must take out Dutch basic health insurance with a Dutch health insurance company.

    View the list of health insurance companies

    If the decision states that you are not insured under the Wlz scheme

    This means you do not have to take out Dutch health insurance. You should send a copy of our decision to:

    CAK
    Antwoordnummer 91034
    2509 VC Den Haag