From July 1, benefits for health insurance participants will increase when basic salary increases.
(Baonghean.vn) - From July 1, 2023, the basic salary will be adjusted to 1.8 million VND/month according to Decree 24/2023/ND-CP of the Government. In addition to increasing the health insurance contribution rate, people's health insurance benefits will also be increased.
Benefits of health insurance participants when basic salary increases
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 (currently 223,500 VND and from July 1, 2023 it will be 270,000 VND). Thus, the one-time medical examination and treatment cost ishealth insuranceThis 100% payment will increase by VND 46,500 from July 1, 2023. This is a health insurance benefit that increases when the basic salary increases.
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Source: Nghe An Social Insurance. |
The total payment level for medical supplies for one use of technical services shall not exceed 45 months of basic salary (currently 67,050,000 VND and from July 1, 2023 it shall be 81,000,000 VND) (each type of medical supplies has its own payment level according to regulations of the Ministry of Health).
The new list of Health Insurance drugs according to Circular No. 20/2022/BYT of the Ministry of Health, effective from March 1, 2023, has added many types of drugs covered by Health Insurance, including 47 types of chronic drugs provided at health stations, expanding many types of drugs for hospital upgrades, drugs for patients: Mental illness, COVID-19, HIV/AIDS... thereby increasingly better meeting the rights of Health Insurance participants.
At the same time, the Vietnam Social Insurance industry as well as the health sector always coordinate to improve the quality of health insurance services in a modern, professional and user-friendly manner; apply information technology, digital transformation in reforming medical examination and treatment procedures, payment of health insurance medical examination and treatment costs; deploy the use of chip-embedded citizen identification cards or health insurance card images on the VssID application - digital social insurance to replace paper health insurance cards in health insurance medical examination and treatment, thereby people will access medical services more quickly, improve the quality of specialized medical examination and treatment services, bring many benefits, create maximum favorable conditions for participants and beneficiaries of health insurance policies.
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People transact at the one-stop department of Nghe An Social Insurance. Photo: Dinh Tuyen |
Increase in direct health insurance payment from 2023: Currently, the direct health insurance payment level is specifically regulated in Article 30, Decree 146/2018/ND-CP, determined based on the basic salary. Therefore, from July 1, 2023, when the basic salary changes, the direct health insurance payment level will also change accordingly.
Although the family health insurance premium has increased, it is not much compared to the current cost of medical examination and treatment for a person without a health insurance card. For the benefit of yourself, your family and the community, everyone should actively participate in health insurance to receive better health care.
What do health insurance participants say?
Ms. Nguyen Thi Hoa - a retired official in Dien Chau Town said: I see that from July 1, 2023, when the basic salary increases to 1.8 million VND/month, the family health insurance contribution will also increase. For example, before July 1, 2023, the first person paid 67,050 VND/month; 804,600 VND/year, then after July 1, 2023, the first person's contribution will increase to 81,000 VND/month; 972,000 VND/year; Second person: 56,700 VND/month; 680,400 VND/year (before July 1: 46,935 VND/month; 563,220 VND/year); Third person: 48,600 VND/month; 583,200 VND/year (before July 1: 40,230 VND/month; 482,760 VND/year); Fourth person: 40,500 VND/month; 486,000 VND/year (before July 1: 33,525 VND/month; 402,300 VND/year); Fifth person onwards: 32,400 VND/month; 388,800 VND/year (before July 1: 26,820 VND/month; 321,480 VND/year). Currently, my family has 3 members participating in Family Health Insurance. I also explained to my children that when the Family Health Insurance contribution increases, the benefits of the Insurance participants will also increase. We are very excited and that is also the issue that we - the Health Insurance participants are most concerned about today.
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Consulting people in Le Loi ward (Vinh city) on social insurance and health insurance policies. Photo: Thanh Hien |
As for Mr. Dinh Van Hong (Ha Huy Tap - Vinh City), he said: We always consider participating in Health Insurance as the most basic condition to take care of our health and that of our family members, to reduce the economic burden when going to see a doctor or getting treatment, especially when suffering from a serious illness.
Ms. Nguyen Thi Sam (Hamlet 19, Nghi Phu) shared: It must be affirmed that only when you are sick can you understand the great value of a Health Insurance card. As a retired cadre, I have had diabetes for more than 10 years. If there was no Health Insurance to cover it, the cost of treatment would certainly increase many times. I am very excited that from July 1, the basic salary will increase and at the same time, the benefits for health insurance participants will increase. I have encouraged my son and daughter-in-law (currently working freelance) to participate in family health insurance to prepare for illness and disease.
Health insurance is a form of insurance applied to groups of participants to receive health care, not for profit purposes, organized and implemented by the State. People participating in Health Insurance not only demonstrate their responsibility, but also enjoy the State's policies on supporting Health Insurance premiums, and have the Health Insurance Fund pay for medical examination and treatment costs. Participating in Health Insurance is considered a form of savings "Contribute when well - save when sick" to reduce the economic burden when unfortunately sick or ill. At the same time, share responsibility with the social community, demonstrate the spirit of mutual love, mutual support, one for everyone, everyone for oneself.
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