Do employees with disabilities of enterprises in Vietnam need to pay compulsory health insurance premiums?

Do employees with disabilities of enterprises in Vietnam need to pay compulsory health insurance premiums? (Illustrative image)

Based on the information you provided, you are an employee falling under multiple categories of participants in health insurance. Therefore, it is necessary to determine under which category you contribute health insurance and under which category you are entitled to health insurance benefits.

1. Categories of Health Insurance Participants in Vietnam

According to Article 12 of the Law on Health Insurance 2008 (amended by Clause 6 Article 1 of the Amended Law on Health Insurance 2014), there are five groups of health insurance contributions in Vietnam as follows:

Group 1: Paid by employees and employers

- Employees (with labor contracts of a duration of 03 months or more, indefinite-term labor contracts, enterprise managers receiving salaries; officials and public employees);

- Non-specialized workers at commune, ward, or commune-level towns

Group 2: Paid by social insurance organizations

- Retirees, those receiving monthly loss of working capacity allowance;

- People receiving monthly social insurance allowance due to labor accidents, occupational diseases, or illnesses requiring long-term treatment; people aged 80 or older receiving monthly survivorship allowance;

- Commune, ward, or commune-level town officials who have retired and are receiving monthly social insurance allowance;

- People receiving unemployment allowance.

Group 3: Paid by the state budget

- People receiving monthly social assistance allowance;- …

Group 4: Supported by the state budget

- Near-poor households;- Students and pupils.

Group 5: Family-based health insurance participants including members of the household, except those in groups 1 to 4.

Based on the above regulations, you currently fall into two categories of health insurance participants: an employee and a person receiving monthly social assistance allowance.

2. How do workers with disabilities participate in health insurance in Vietnam?

According to Clause 2 Article 13 of the Law on Health Insurance 2008 (amended by Clause 7 Article 1 of the Amended Law on Health Insurance 2014):

In case one person falls into multiple categories of health insurance participants specified in Article 12 of this Law, health insurance contributions shall be made under the first category identified according to the order of categories specified in Article 12 of this Law.

Following the order in Article 12 of the Law on Health Insurance, the first category you fall under is “employee.” Therefore, you need to contribute health insurance as other employees do, and the enterprise's deduction of your salary to pay for health insurance is in accordance with the law.

3. How do workers with disabilities enjoy health insurance benefits in Vietnam?

Based on Clause 2 Article 22 of the Law on Health Insurance 2008 (amended by Clause 15 Article 1 of the Amended Law on Health Insurance 2014):

2. If a person falls into multiple categories of health insurance participants, they shall enjoy health insurance benefits according to the category with the highest benefits.

According to Clause 1 Article 22 of the Law on Health Insurance, individuals receiving monthly social assistance are entitled to 100% of healthcare costs, while employees receive 80%. Thus, you will enjoy health insurance benefits as a disabled person.

Hai Thanh

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