Payment arrears

What happens when I don't pay?

It's possible you are not able to pay your insurance premium, excess or statutory contribution on time. We will send you payment reminders. After 2 and 4 months of payment arrears we will send you a warning letter. We will also offer you a payment plan (in Dutch only).

Your Mijn Financieel Overzicht will tell you how much you owe

You can find this overview in Mijn Zilveren Kruis (in Dutch only). Log in with your DigiD. When part of your claim has been handed over to a collection agency you need to contact the collection agency about this.

Apply for a payment plan immediately

You can easily apply for a payment plan via Mijn Zilveren Kruis (in Dutch only). Only the policy holder can apply for a payment plan. Is the payment plan for one of the family members? Then the policy holder has to apply for the plan. There are a few conditions that apply. You have to pay at least € 25 a month. A payment plan lasts between a minimum of 2 months and a maximum of 12 months.

Frequently Asked Questions

  1. You will receive a reminder 11 days after the premiums due date. 21 days after the premiums due date we will send a 2nd reminder. There is a charge of € 10 for the 2nd reminder. Another € 15 will be added to this for the 3rd reminder that will be sent 35 days after the premiums due date.
  2. If you still haven't paid after the 3rd reminder we are forced to call in a collection agency. These additional costs are for you. Unless you have agreed to a Payment plan with us. Are you unable to pay your arrears at once? Apply for a payment plan in Mijn Zilveren Kruis (in Dutch only).
  3. Your supplementary insurance (dental insurance included) will be terminated. Do you have co-insured family members? Then their supplementary insurance will also be terminated.
  4. Your term of payment will be set to monthly payments. Any discounts for bi-annual or annual payments will be cancelled.
  5. Besides the reminders you will also receive a 2, 4 and 6-monthletter with reference to the legal Regeling wanbetalers (Defaulters scheme). This law is carried out by CAK Nederland.
  6. For the duration of your payment arrears you are unable to switch insurers. This is stated by law. To carry out this law, insurers exchange information about people with payment arrears.

The CAK (in Dutch only) has several tasks. The institute checks if everyone is insured according to the Health Insurance Act (Zorgverzekeringswet (Zw)) and the Wet langdurige zorg (wlz). They also carry out the Defaulters scheme (Regeling Wanbetalers) (in Dutch only).

Have you had payment arrears for 6 months or more? And you haven't paid or objected? Then we will register you with CAK (in Dutch only).

CAK will then start collecting your premium. You will pay 130% of the regular premium. CAK will deduct the amount from your salary or social security. Your employer or benefits agency is required to co-operate. If this is impossible, then CAK will seize your possessions.

Do you already have a payment plan with us? Then we will not register you with CAK.

Yes, you do. The premium of your current healthcare insurance will be paid to CAK. Simultaneously you will need to pay of your debt at Zilveren Kruis. That applies to the payment arrears on your premium as well as for the excess and statutory contribution. Not until you are debt free will we cancel your registration at CAK. You will no longer be a defaulter.

Note: most of these options are available in Dutch only.

No, you can't. You can't cancel when you still have debts. We discourage you to take out healthcare insurance with another insurer. You will have double insurance and will have to pay premium twice.

Have you paid your premium arrears? Then you can take out supplementary insurance again as of 1st January the following year. When you apply for dental insurance with 3 or 4 stars a medical assessment is necessary.