Participate in health insurance to share the burden of illness and disease
(Baonghean.vn) - Health insurance is a humane and humanitarian social security policy that requires the participation of the entire political system and the consensus and support of the whole society to effectively implement the Party's policies and the State's legal regulations on health insurance.
Reduce the burden on patients
Participating in health insurance brings many practical benefits to people, especially low-income families when they are unfortunately sick or ill. Health insurance also has a profound humanitarian meaning for the community because when everyone participates in health insurance together, healthy people will support those who are unfortunately sick or ill. Thereby, it contributes significantly to the implementation of social justice in caring for and protecting people's health.
After receiving information from July 1, 2023, people participating in health insurance will have many benefits, especially when the contribution level changes, which means the benefits of health insurance participants will also increase, Ms. Le Thi Ngoc in Block 7, Trung Do Ward (Vinh City), who is currently working freelance, was very excited. Ms. Ngoc shared: The purpose of participating in health insurance for her is like a lifebuoy to prevent illness and disease, so she has something to rely on. Therefore, not only participating in health insurance for herself, but Ms. Ngoc also promotes and encourages family members to participate. Because in Ms. Ngoc's opinion, no one knows what will happen in life, when you are healthy, you don't need to worry, but when you go to the hospital, if you don't have health insurance, the patient will definitely have to pay all the costs, but when there ishealth insurance, the patient will feel much more secure.
As for Mr. Thai Doan Tuan in Dien Hoa commune (Dien Chau), health insurance is a "lifesaver". In July 2022, Mr. Tuan fell from a height, hitting his head on the cement floor, causing internal bleeding. His family immediately took him to Nghe An General Hospital for emergency treatment. The doctor predicted that: Mr. Tuan's case was due to being left for a long time, internal bleeding, skull fracture, leading to the patient becoming unconscious and requiring emergency surgery. After the surgery, Mr. Tuan still did not wake up and was continuously in the Intensive Care Unit for a week with a prognosis of 7/3 death and 3/3 life. To save Mr. Tuan's life, the hospital had to take his tissue for culture in the hope that if Mr. Tuan woke up, the tissue would be transplanted back into his skull.
Ms. Nguyen Thi Hoe - wife of Mr. Thai Doan Tuan shared: If she did not participate in health insurance, she would have had to mortgage her land to borrow money from the bank to save her husband. Because the cost of emergency surgery and months of treatment at the Intensive Care Unit and the Rehabilitation Department for Mr. Tuan has reached hundreds of millions of dong.
Thus, health insurance not only benefits the participants themselves but also helps limit financial risks for their families.
Mr. Hoang Van Minh - Director of Nghe An Provincial Social Insurance said: Family health insurance is a form of participation for people whose names are in the same household registered for permanent residence (excluding those who have declared temporary absence). With the humanity and superiority of the Family Health Insurance policy, people who participate will receive the following benefits: Being issued a health insurance card to take care of their health when they are sick or ill. Partially deducting the contribution for members when participating in family health insurance. Being examined and treated at medical facilities nationwide according to regulations. Being paid by the Health Insurance Fund within the scope and level of benefits. Being paid by the Health Insurance Fund for medicines, medical supplies, and medical technical services according to the list issued by the Ministry of Health. Being able to choose and change the place of initial medical examination and treatment registration in the first month of each quarter. Helping yourself and your family reduce the burden of medical examination and treatment costs when you are sick or have an accident. Contribute to risk sharing among participants.
About contribution level, contribution method, benefit level
According to regulations, the family health insurance premium is currently set at 4.5% of the current basic salary. From July 1, 2023, when the basic salary increases to VND 1,800,000/month according to Decree 24/2023/ND-CP, the family health insurance premium will increase, and at the same time, the health insurance benefit will also increase.
Family health insurance premiums from July 1, 2023, the first person pays 81,000 VND/month; 972,000 VND/year; The second person pays 56,700 VND/month; 680,400 VND/year; The third person pays 48,600 VND/month; 583,200 VND/year; The fourth person pays 40,500 VND/month; 486,000 VND/year; The fifth person and beyond pays 32,400 VND/month; 388,800 VND/year.
Family health insurance participants are covered for medical examination and treatment costs within the scope of benefits and levels as prescribed, and can choose to pay periodically every 3 months, 6 months or 12 months.
Regarding the benefit level: Health insurance participants will be paid 100% of the total cost if the medical examination and treatment cost is lower than 15% of the basic salary at the time of medical examination and treatment (before July 1, 2023: 223,500 VND and from July 1, 2023: 270,000 VND). Thus, the one-time medical examination and treatment cost covered 100% by Health Insurance will increase by 46,500 VND from July 1, 2023. This is a health insurance benefit that increases when the basic salary increases.
The total payment for medical supplies for one use of technical services shall not exceed 45 months of basic salary (before July 1, 2023: VND 67,050,000 and from July 1, 2023: VND 81,000,000). Each type of medical supplies has its own payment level according to regulations of the Ministry of Health.
Registration is convenient and simple
People participating in family health insurance must fully and accurately declare information according to the prescribed form and register at the headquarters of the provincial and district Social Insurance agencies; social insurance and health insurance collection service organizations; the National Public Service Portal (dichvucong.gov.vn) or the Public Service Portal of the Vietnam Social Insurance (dichvucong.baohiemxahoi.gov.vn).
To ensure health insurance benefits, participants in household health insurance should note: For those who participate for the first time or not continuously for 3 months or more in a fiscal year, the card is valid after 30 days from the date of health insurance payment; when going for health insurance examination and treatment, it is necessary to present the health insurance card or the image of the health insurance card on the VssID application and photo identification or chip-embedded citizen identification; use the health insurance card for the right purpose, do not lend the card to others and do not use other people's cards for medical examination and treatment; renew the card at the social insurance and health insurance collection service organization, the headquarters of the Social Insurance agency, online on the Public Service Portal.
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./.
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