VOZD

Examples

1. You live in Germany and will be employed by a Dutch company located over the border in Venlo from 1 March 2024. You are under the assumption that your German insurance will continue as normal. On 26 August 2024, you find out that this is not the case. You apply for health insurance with Menzis. This can no longer be back-dated, because more than 4 months have passed. You are therefore uninsured for the period from 1 March to 26 August 2024.
2. You live in the Netherlands and have been working in Belgium since 1 January 2024. You have registered with a mutual fund in Belgium, while in the Netherlands, you have registered for a health insurance policy with the health insurance company CZ. Your 16‑year‑old son will also be covered by the health insurance from CZ. You do not disclose to CZ until 8 July 2024 that your son has worked at a supermarket in the Netherlands every Saturday since 1 February 2024. CZ retroactively withdraws your son’s health insurance policy and offers him health insurance starting on 8 July. Your son is uninsured for the period from 1 February to 8 July 2024.
3. You live in the Netherlands and receive a pension from Germany. You have registered with a German health insurance company, and are registered for a CZ health insurance policy in the Netherlands. In the Netherlands, you can receive the AOW (National Old-Age Pensions Act) pension. As you were unaware of this, you did not submit an application to the Sociale Verzekeringsbank – SVB (Social Insurance Bank). On 1 May 2024, you still need to submit an application to the SVB. On 12 July, the SVB awards you an AOW pension, backdated to 6 May 2023. You pass this on to CZ. CZ withdraws your insurance policy with effect from 6 May 2023. You apply for health insurance with Univé on 1 July 2024. You are uninsured for the period from 6 May 2023 to 1 July 2024.

Check whether a VOZD is beneficial to you

First, calculate whether a VOZD is financially advantageous for you. You will find the annual contributions, excluding the healthcare benefit, in the table below. This will enable you to calculate what the approximate contribution is for the period during which you were uninsured.

Voluntary

Is the contribution higher than your healthcare costs for that period? If so, you do not need to register. Concluding this agreement is voluntary.

Registering with the CAK

Do you meet the requirements for eligibility and want to benefit from a VOZD? Then complete the consent form. This form consents gives us permission to request data from various organisations. The form states which organisations these are.

1. Click on the form Toestemming opvragen en
   verwerking persoonsgegevens (Request consent and personal data processing, Dutch only).
2. Fill in the form directly online, and sign it digitally. Or print it out and fill it in with a pen in block capitals.
3. Gather your supporting documents together:
   • healthcare provider accounts (costs incurred in the uninsured period),
   • SVB Wlz certificate (if you do not yet have it, send it to us later).
4. Send us the completed form with the supporting documents.

   • You can do this digitally via the contact form. Select the ‘Zorgverzekering en buitenland’ (health insurance and abroad) scheme. Add your application form and supporting documents as attachments. Please note that we accept only scans of supporting documents. So no photographs.

   • Or send the form by post to:
     CAK
     Regeling Buitenland
     Antwoordnummer 91041
     2509 VC Den Haag

Checks

• We ask CZ and/or the foreign health insurer for information about the period during which you were wrongly insured.
• We ask how much we can reimburse in accordance with the Dutch rates.
• We calculate the amount of the contribution that you must pay to the CAK.
• We ask the Dutch Tax Administration whether you would have been entitled to the healthcare benefit during the uninsured period, and if so, how much.

Outcome

Following receipt of your Wlz statement, the checks may take several months. This depends on how quickly other authorities respond. You will then receive a letter from us with our findings. There are three possibilities:

You are not entitled to a VOZD

You may still be entitled to health insurance for the requested period elsewhere. Or you have no obligations under the Wlz, for example because you did not have any income in the Netherlands.

You are entitled to a VOZD

• You conclude an agreement with us.
• We pay your healthcare costs during the period that you were uninsured. We make this payment directly to the healthcare provider. If you have already paid off the amounts yourself, we will offset that amount with the contribution you have to pay to the CAK. We do not pay out any contributions or excess.
• You pay a contribution to the CAK for the period in which you were uninsured. We will send you an invoice for this.

We advise you not to have a VOZD

Sometimes, it is not beneficial for you to have a VOZD. For example, if your healthcare costs are lower than the contribution you have to pay to the CAK for the period during which you were uninsured.

Example: You are uninsured from 1 March to 1 August 2023. During that period, you incur healthcare costs amounting to EUR 400.00. You are not entitled to the healthcare allowance. You would have to pay a contribution to the CAK of EUR 1 889.00 x 5/12 months = EUR 787.08.