Information you need to know about the Student Health Insurance policy for the 2023 - 2024 school year
(Baonghean.vn) - By participating in health insurance, students not only receive a minimum of 30% of the contribution from the State; the registration procedure is simple and convenient, but they also enjoy many practical benefits when they are sick...
In many cases, health insurance is not only a friend, a "support" in difficult times, but also helps children have the opportunity to be treated and continue to return to school.
To help parents and students better understand the Student Health Insurance policy for the 2023-2024 school year, Vietnam Social Security would like to provide the following specific information:
1. About payment method and payment level
When participating in Health Insurance, students register at the educational institution or school where they are studying. Students can choose to pay Health Insurance periodically in 3 ways: 3 months, 6 months, 12 months. The amount of Health Insurance for students (after deducting the State budget support) is specifically:
- If students pay every 3 months, the payment level is: 170,100 VND.
- If students pay every 6 months, the payment level is: 340,200 VND.
- If students pay every 12 months, the payment level is: 680,400 VND.
2. About the place to register for initial medical examination and treatment and procedures for medical examination and treatment under Health Insurance
Students participating in Health Insurance have the right to register for initial medical examination and treatment at one of the Health Insurance medical examination and treatment facilities at the commune, district and equivalent levels according to regulations. They can choose and change the place of registration for initial medical examination and treatment at the beginning of each quarter.
Students when going for medical examination or treatment under Health Insurance must present one of the following documents:
- Valid Health Insurance Card or Image of Health Insurance Card on VssID application - Digital Social Insurance and photo ID.
- Citizen ID card with chip or electronic VneID application has integrated health insurance card information.
3. About health insurance benefits
The first,When students go to a medical facility that has signed a health insurance contract for medical examination and treatment:
- In case of medical examination and treatment under Health Insurance at the original registration place and full procedures are carried out for students with Health Insurance card with benefit code 4, they will enjoy 80% of medical examination and treatment costs.
- In case of medical examination and treatment under Health Insurance not in the right line: Patients do not have a referral paper but present complete medical examination and treatment procedures under Health Insurance, the Health Insurance Fund will pay within the scope, benefit level and rate according to the following regulations:
| Technical expertise line | Type of medical examination and treatment | Benefit rate (health care costs) |
| District hospital | Outpatient, Inpatient | 100% |
| Provincial hospital | Boarding | 100% |
| Central Hospital | Boarding | 40% |
- In case of medical examination and treatment under Health Insurance but not presenting complete procedures at the place of initial medical examination and treatment registration, the Social Insurance agency will directly pay the medical examination and treatment costs under Health Insurance for the following cases:
+ Outpatient examination and treatment, maximum benefit is not more than 0.15 times the basic salary (equivalent to 270,000 VND).
+ Inpatient examination and treatment, the maximum benefit is not more than 0.5 times the basic salary (equivalent to 900,000 VND).
Monday, when students go to a medical facility for examination and treatment without a health insurance contract:
The Social Insurance agency will directly pay the medical examination and treatment costs of Health Insurance for the following cases:
- Outpatient examination and treatment at district-level hospitals are entitled to a maximum of 0.15 times the basic salary (equivalent to 270,000 VND).
- Inpatient examination and treatment at district-level hospitals are entitled to a maximum of 0.5 times the basic salary (equivalent to 900,000 VND).
- Inpatient examination and treatment at provincial hospitals are entitled to a maximum of one time the basic salary (equivalent to 1,800,000 VND).
- Inpatient examination and treatment at central hospitals are entitled to a maximum of 2.5 times the basic salary (equivalent to 4,500,000 VND).
Tuesday, other special cases are paid directly by the Social Insurance agency according to the scope of benefits of health insurance participants:
In the following cases:
- Health Insurance card data is not provided or incorrect information about the Health Insurance card is provided.
- The patient cannot present the card.Health insurancebefore discharge from hospital, same-day transfer due to emergency, loss of consciousness or death or lost card but not yet reissued.
- People who have participated in health insurance for 5 consecutive years or more, have co-payments for medical examination and treatment costs in the right place in the year greater than 6 months of basic salary, but have not been paid co-payments greater than 6 months of basic salary.
- Emergency cases at medical examination and treatment facilities that do not have a health insurance medical examination and treatment contract.
Wednesday,Emergency cases: Students can be examined and treated at any medical facility and must present their health insurance card and photo identification before leaving the hospital to enjoy health insurance benefits according to regulations.
4. Validity period of Health Insurance card
Firstly, health insurance cards are newly issued or renewed annually for students of general education, university education and vocational education institutions.
- For first graders: Health insurance card validity starts from October 1st of the first year of primary school.
- For 12th grade students: Card is valid until September 30 of the school year.
- For first-year students of the course: The card is valid from the date of admission, except for the case of a 12th grade student's card that is still valid.
- Final year students of the course: Health Insurance Card is valid until the last day of the month the course ends.
Second, the value of the Health Insurance card corresponds to the amount of Health Insurance paid according to the number of months the student has participated.
5. Look up the expiration date of the Health Insurance card
Students and parents can look up the expiration date of their Health Insurance card in the following ways:
- Access the Vietnam Social Security Electronic Information Portal at: https://baohiemxahoi.gov.vn/tr... bhyt.aspx
- Call the Vietnam Social Security Hotline 1900.9068 for advice and support.
- Install and use the application "VssID - Digital Social Insurance" to track and update information on health insurance contributions and benefits.
The Health Insurance policy has really come into life and has been effective in providing comprehensive health care for the young generation. The rate of students participating in Health Insurance is higher year after year and approaching the target of 100% coverage. In the 2022-2023 school year, the whole country has about 18.8 million students participating in Health Insurance, reaching more than 97% of the total number of students. In the first 8 months of 2023 alone, the whole country had over 5 million students going to see a doctor or get medical treatment. Health Insurance has been paid by the Health Insurance Fund with an amount of more than 2,174 billion VND.
