What are the regulations on health insurance contribution rates for persons on unemployment allowance in Vietnam in 2023?
- What are the regulations on health insurance contribution rates for persons on unemployment allowance in Vietnam in 2023?
- Which agency will pay health insurance contribution for persons on unemployment allowance in Vietnam?
- How long is the validity period of health insurance cards for persons on unemployment allowance in Vietnam?
What are the regulations on health insurance contribution rates for persons on unemployment allowance in Vietnam in 2023?
Pursuant to Article 7 of Decree 146/2018/ND-CP regulating health insurance premiums and responsibilities as follows:
Health insurance contribution rates and health insurance contribution responsibilities
1. Monthly health insurance contribution rates shall be subject to the following regulations:
a) The contribution rate shall be equal to 4.5% of the employee’s monthly pay with respect to those policyholders specified in clause 1, Article 1 of this Decree.
- Employees on sick leaves from at least 14 days per a month in accordance with laws on social insurance shall not be required to pay health insurance contributions and shall be entitled to health insurance benefits;
- With respect to employees that are detained, held in custody or suspended from work for investigations, consideration of judgement whether they have committed violations against laws, the monthly contribution rate shall be defined as 4.5% of 50% of each employee's monthly pay. In case where a competent authority makes its judgement that none of violations has been committed, the employee shall be required to pay health insurance contributions in proportion to the accrued pay amount that he/she has received;
b) The contribution rate shall be equal to 4.5% of the retirement pension and incapacity benefit with respect to those policyholders specified in clause 1, Article 2 of this Decree;
c) The contribution rate shall be equal to 4.5% of the monthly pay that an employee receives before his/her pregnancy and parental leave with respect to those policyholders specified in clause 5, Article 2 of this Decree;
d) The contribution rate shall be equal to 4.5% of the unemployment benefit with respect to those policyholders specified in clause 6, Article 2 of this Decree;
dd) The contribution rate shall be equal to 4.5% of the base pay rate with respect to those policyholders other than the abovementioned;
e) The health insurance contribution rate of those policyholders defined in Article 5 hereof shall be determined as follows: The first policyholder shall be required to pay 4.5% of the base pay rate; the second, third and fourth policyholder shall be required to pay 70%, 60% and 50%, respectively, of the contribution rate of the first policyholder; the fifth and subsequent policyholder shall be required to pay 40% of the contribution rate of the first policyholder.
Any relief or deduction in the health insurance contribution rate as specified in this point shall be granted only if family members participate in the family-based health insurance within the same financial year.
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Thus, according to the above regulations, the contribution rate shall be equal to 4.5% of the base pay rate for persons on unemployment allowance in Vietnam.
What are the regulations on health insurance contribution rates for persons on unemployment allowance in Vietnam? (Image from the Internet)
Which agency will pay health insurance contribution for persons on unemployment allowance in Vietnam?
According to the provisions of Article 2 of Decree 146/2018/ND-CP, regulations on groups of policyholders whose contributions are paid by social insurance agencies are specifically as follows:
Group of health insurance policyholders whose contributions are paid by social insurance agencies
1. Persons eligible to be entitled to retirement pensions and incapacity benefits
2. Persons currently entitled to monthly social insurance benefits in connection with occupational accidents or diseases; rubber plantation workers currently entitled to monthly benefits in accordance with the Government’s regulations.
3. Employees on sick leaves in connection with diseases defined in the List of diseases of which long-term treatments are required, issued by the Ministry of Health.
4. Public officers of communes, wards or townlets who leave work and are currently entitled to monthly social insurance benefits.
5. Employees on parental leaves who are entitled to childbirth and adoption benefits.
6. Persons currently entitled to unemployment benefits.
Thus, based on the above regulations, employees receiving unemployment benefits during this time will be supported by the social insurance agency to pay health insurance.
How long is the validity period of health insurance cards for persons on unemployment allowance in Vietnam?
Pursuant to Article 13 of Decree 146/2018/ND-CP regulating the validity period of health insurance cards, specifically as follows:
Validity period of health insurance cards
1. With respect to policyholders specified in clause 6 of Article 2, health insurance cards shall have validity from the first month of entitlement to unemployment benefits which is determined in the decision on entitlement to unemployment benefits, issued by a competent regulatory authority.
2. With regard to policyholders specified in clause 7 of Article 3 hereof:
a) If a child is born before September 30, his/her health insurance card shall be valid until the end of September 30 of the year in which he/she reaches 72 months of age;
b) If a child is born after September 30, his/her health insurance card shall be valid until the end of the last date of the month in which he/she reaches 72 months of age.
3. With respect to policyholders referred to in clause 8 of Article 3 hereof, their health insurance cards shall be valid from the date of social welfare entitlement determined in the decision issued by the district-level People’s Committee.
4. With respect to the policyholders specified in clause 9 of Article 3, or the policyholders prescribed in clause 1 of Article 4 hereof, if their health insurance contributions are wholly supported by the state budget, their health insurance cards shall be valid from the date specified in the decision on approval of the list of policyholders, issued by a competent authority.
5. With respect to the policyholders specified in clause 10 of Article 3 hereof, their health insurance cards shall be valid from the date specified on the decision on approval of the list of policyholders, issued by a competent authority.
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Thus, the health insurance card for people receiving unemployment benefits is valid from the first month of unemployment benefits stated in the decision to receive unemployment benefits of the competent state agency.
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