In just 28 days, people who have paid health insurance for 5 consecutive years will receive great financial 'privileges'!

Applicable conditions include: continuous participation in health insurance for 5 years or more, co-payment amount in the year exceeding 6 times the reference level, and going to the right medical facility or going to the wrong medical facility in a special case group.

Special cases include: people with serious illnesses, rare illnesses, requiring high-tech surgery; ethnic minorities, poor households in difficult areas, island communes, island districts who are receiving inpatient treatment at specialized medical facilities; people who receive emergency examinations at any facility; or who receive medical examinations and treatment at facilities that were district-level before January 1, 2025.

Previously, people with a health insurance card for 5 consecutive years were only covered 100% if they went to the right hospital and the co-payment amount exceeded 6 months of basic salary (about 14.04 million VND). The new regulation expands the scope of 100% payment, helping to significantly reduce the financial burden for patients, especially in cases requiring intensive, long-term treatment.

The new law also adjusts the health insurance contribution rate to be more flexible, closely following income. The contribution rate is determined by the percentage of salary used as the basis for compulsory social insurance contribution. The maximum contribution rate is 20 times the reference rate, the maximum contribution rate is increased from 4.5% to 6% of monthly salary. The employer contributes 2/3, the employee contributes 1/3.

The 2024 amended Law on Health Insurance adds 7 groups of subjects required to participate in health insurance, including: employees with contracts of 1 month or more; business owners participating in compulsory social insurance; foreign employees; part-time workers; people taking sick leave or maternity leave of 14 days or more; medical staff in villages and hamlets; and special subjects.

By early 2025, the country had about 95.52 million people participating in health insurance, reaching a coverage rate of 94.2% of the population. By the end of May, nearly 80 million people had undergone medical examination and treatment using health insurance, an increase of 8.59% over the same period in 2024. Total health insurance fund expenditure is estimated at VND 63,324 billion, an increase of 15.59%. The amendment of the Health Insurance Law is expected to expand the scope of health protection and promote universal health insurance coverage, towards sustainable social security.