Health Insurance Effective Date and Advice

Questioner

My new health insurer is forcing me to take out health insurance from an incorrect start date, which means that I have been double-insured for a number of months, including supplementary insurance. According to article 5 paragraph 4 of the Health Insurance Act, I believe this is not allowed. Is that correct? And if so, do you have any advice on what I can do about this? I have been living permanently in the Netherlands for years as a knowledge worker, and I have only had the purpose of my residence permit changed to family (with free labor). The health insurer says: The validity of the residence permit is the effective date of your insurance We insured you as of [] because the validity of your residence permit starts on this date. We are obliged to register you as of []. We are not allowed to change this to a date earlier or later. We do not change the start date of your policy Your previous insurer [] is a private party. The period from [] to [] is therefore not considered double insured.

Lawyer

The response from the health insurer makes me suspect that you have switched from a private insurance (often a kind of international package) to the Dutch basic insurance. In that case, it is correct that there is no question of double insurance within the meaning of the Zvw.