a) Concept

Health insurance is a mandatory insurance program organized by the State to ensure health care for the people. By joining health insurance, people will be paid part or all of the cost of medical care at medical facilities permitted to operate within the scope of the insurance package.

b) Subjects of health insurance participation

Group by employees and employers

• Employees working under a labor contract for a term of at least 03 months.
• Enterprise managers, non-public career units and cooperative management executives receiving salaries.
• Civil servants, officials, civil servants.
• Non-professional workers in communes, wards, and townships.

Group paid by social insurance agencies

• Recipients of monthly pensions and loss of labor capacity allowances.
• People receiving monthly social insurance allowances due to work accidents and occupational diseases.
• People aged 80 and over receive monthly pension allowances.
• Commune, ward, and township officials who have retired and are receiving monthly social insurance allowances.
• People receiving unemployment benefits.
• Employees on maternity leave when giving birth or adopting children.

Group paid by the state budget

• Commune, ward, and township officials who have retired and are receiving monthly allowances from the state budget.
• People who have stopped receiving loss of labor capacity allowances and are receiving monthly allowances from the state budget.
• Meritorious revolutionaries.
• War veterans.
• Participants in the resistance war and national defense,
• Deputies of the National Assembly, deputies of People’s Councils at all levels in office.
• Children under 6 years old.
• People who are eligible for monthly social protection allowances.
• People belonging to poor households; ethnic minorities living in areas with difficult socio-economic conditions; people living in areas with particularly difficult socio-economic conditions; people living in island communes, island districts and some other subjects.
• People awarded the titles of People’s Artist and Meritorious Artist belonging to families with an average monthly income per capita lower than the minimum wage as prescribed by the Government.
• Relatives of meritorious revolutionaries who are fathers, mothers, wives or husbands, children of martyrs; those who have raised martyrs.
• Relatives of meritorious revolutionaries, except for the above subjects.
• Relatives of officers, professional soldiers, non-commissioned officers, soldiers of the army on active duty, officers, non-commissioned officers and vocational, technical officers working in the public security forces, public security students, non-commissioned officers, those working in key work receiving salaries as for soldiers, key students receiving the regime and policy according to the regime and policy for students at military schools, public security schools.
• People who have donated human organs and tissues in accordance with the law on organ and tissue transplantation.
• Foreigners studying in Vietnam on scholarships from the State budget of Vietnam.
• People serving meritorious revolutionaries living in the family.
• People aged 80 and over receive monthly pension allowances in accordance with the law on social insurance.

Group supported by the state budget for contribution

• Students studying at general schools, universities and colleges.
• Families near the poverty line

c) Health insurance contribution rate

Basic contribution rate: 4.5% of salary, pension, allowance or minimum regional wage. In which, employees contribute 1/3 and employers contribute 2/3.

Health insurance family contribution rate:

• First person: 4.5% of the basic salary
• Second person: 70% of the first person’s contribution
• Third person: 60% of the first person’s contribution
• Fourth person: 50% of the first person’s contribution
• From the fifth person onwards: 40% of the first person’s contribution

Voluntary health insurance contribution rate: Participants can choose to contribute monthly, quarterly or annually, with a minimum contribution equal to the basic contribution and a maximum not exceeding 12 times the basic contribution.

d) Benefits of health insurance participants

Being reimbursed for medical examination and treatment expenses according to the regulations of the Ministry of Health.

Enjoying maternity and childbirth benefits according to the regulations.

Enjoying sick leave and medical rest according to the regulations.

Enjoying retirement benefits according to the social insurance system.
Enjoying work accidents and occupational disease benefits.

e) Obligations of health insurance participants

Fully and timely participating in health insurance contributions.

Complying with regulations on medical treatment under health insurance.

Store and use health insurance cards properly.

f) Changes in health insurance from July 1, 2024

Health insurance cards are integrated into the ID card.

Elimination of the minimum wage as the basis for determining contribution and benefit levels.

Changes in contribution rates for family health insurance, students, and apprentices.

Addition of a group of subjects supported by the state budget for health insurance contribution.

100% coverage of medical expenses for health insurance participants for 5 consecutive years.

Increase in health insurance payment levels for some subjects.

For more information about the health insurance regime, please refer to:

• https://ebh.vn/tin-tuc/bao-hiem-y-te
• https://baomoi.com/thay-doi-ve-chinh-sach-bao-hiem-y-te-tu-1-7-nguoi-dan-huong-loi-c49330591.epi
• https://thuvienphapluat.vn/chinh-sach-phap-luat-moi/vn/ho-tro-phap-luat/tu-van-phap-luat/54739/luat-bao-hiem-y-te-moi-nhat-va-tong-hop-van-ban-huong-dan
• https://luatduonggia.vn/bao-hiem-y-te-la-gi-cac-loai-bao-hiem-y-te-va-quyen-loi-cua-tung-loai-bhyt/#2_Doi_tuong_tham_gia_bao_hiem_y_te_vagrave_muc_doacuteng_cua_caacutec_doi_tuong