People need to know: Join family health insurance - Small cost, big benefits
(Baonghean.vn) - Health insurance is an insurance system of the Party and the State to take care of people's health, organized and implemented by the State not for profit. Health insurance participants are paid by the Health Insurance Fund for unlimited medical examination and treatment costs according to the scope and level of benefits, which can be up to billions of VND/year. Thereby, Health insurance has helped many people with Health Insurance cards overcome economic difficulties when they are unfortunately sick or ill.
All family members are covered by Health Insurance:
From January 1, 2015, the Law amends and supplements a number of articles of the LawHealth insuranceRegulations on people participating in health insurance in family groups, including:
- People whose names are in the Household Registration Book/Temporary Residence Book or who are registered for permanent/temporary residence at a legal place of residence according to the provisions of law, except for those who already have a Health Insurance card belonging to another group of subjects.
- Dignitaries, officials, monks.
- People living in social protection facilities, except for those participating in health insurance in other groups that are not supported by the state budget to pay health insurance.
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Propaganda and mobilization of people to participate in voluntary social insurance and family health insurance in Vinh city. Photo courtesy of Thanh Chung |
The more people in the family participate, the lower the health insurance premium:
Participating in Family Health Insurance from the second person onwards will have the contribution level reduced, specifically as follows:
The first person pays 4.5% of the basic salary: 67,050 VND/month (804,600 VND/year)
The second person pays 70% of the first person's contribution: VND 46,935/month (VND 563,220/year)
The third person pays 60% of the first person's contribution: VND 40,230/month (VND 482,760/year)
The 4th person pays 50% of the first person's contribution: 33,525 VND/month (402,300 VND/year)
The 5th person and above pay 40% of the first person's contribution: VND 26,820/month (VND 321,840/year)
Flexible and suitable closing method:
Health Insurance participants can choose to pay periodically every 3 months, 6 months or 12 months through Social Insurance collection service organizations, Health Insurance or Social Insurance agencies.
Great benefits, unlimited payment within scope, level of enjoyment:
- For cases of medical examination and treatment under the correct health insurance
Benefit rate:
100% of total medical examination and treatment costs: In the following cases: When going to the commune level for medical examination and treatment; If the medical examination and treatment costs are lower than 15% of the basic salary (VND 1,490,000/month) at the time of medical examination and treatment; When participating in Health Insurance for 5 consecutive years or more and the amount of co-payment for medical examination and treatment costs in the year is greater than 6 months of the basic salary, except in the case of going to the wrong medical examination and treatment;
80% of total medical examination and treatment costs: Other cases
- In case of medical examination and treatment under Health Insurance not in the right line
Type of medical examination and treatment:
Inpatient: For provincial or district hospitals: Benefit rate (medical examination and treatment costs) 100%; Central hospitals: Benefit rate (medical examination and treatment costs) 40%;
Outpatient: District hospital: Benefit rate (medical examination and treatment costs) 100%
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Nghe An health sector requires units to continuously improve medical examination and treatment techniques to serve the people. Photo courtesy of Thanh Chung |
Convenient and simple registration place:
- Provincial and district Social Insurance agencies.
- Service organizations collect Social Insurance and Health Insurance.
Value of using Health Insurance card:
For those who participate in Health Insurance for the first time or intermittently for 3 months or more in a fiscal year, the Health Insurance card is valid after 30 days from the date of Health Insurance payment. Before the Health Insurance card expires, the participant needs to renew the card so that the Health Insurance card is valid continuously, without interruption and does not affect the benefits enjoyed when participating in Health Insurance for 5 consecutive years.
Participating in Health Insurance is a form of “contributing when well, saving when sick”. Therefore, everyone should actively participate in Health Insurance today to protect the health of themselves and their families, and at the same time, it is also a way to share their responsibility with the community and society./.
Health Insurance policy in our country is increasingly developed and improved in the direction of expansion and best guarantee of health insurance benefits for participants. As of the end of June 2022, the whole country had about 64.231 million people receiving inpatient and outpatient health insurance examination and treatment with the amount of health insurance examination and treatment expenditure of 46,294 billion VND. In recent times, the health insurance fund has been a significant financial source contributing to medical examination and treatment, health care for the people and ensuring social security./.
