How much is the state budget’s support rate for health insurance for students in Vietnam in 2023?
How much is the state budget’s support rate for health insurance for students in Vietnam in 2023?
Pursuant to Clause 3, Article 4 of Decree 146/2018/ND-CP stipulating the group of health insurance policyholders whose contributions are supported by the state budget, the contributions is:
Group of health insurance policyholders whose contributions are supported by the state budget
1. Members of near-poor family households defined according to the near-poor criteria under regulations of the Government and the Prime Minister.
2. Members of multidimensional-poverty family households falling into the cases specified in point a, clause 9, Article 3 hereof.
3. Pupils and students.
4. Members of family households doing business in the agriculture, forestry, aquaculture and salt industry who earn an average income in accordance with regulations of the Government and the Prime Minister.
Pursuant to Point c, Clause 1, Article 8 of Decree 146/2018/ND-CP stipulating the support rate from State budget:
State budget’s support rate
1. From the entry into force of this Decree, the state budget’s support rates shall be applied to the following policyholders:
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c) The state budget’s support shall be paid for at least 30% of the health insurance contribution rate with respect to those policyholders referred to in clause 3 and 4, Article 4 hereof.
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Thus, the state budget’s support shall be paid for at least 30% of the health insurance contribution rate with respect to those policyholders.
How much is the state budget’s support rate for health insurance for students in Vietnam in 2023? (Image from the Internet)
What are the regulations on health insurance contribution rates in Vietnam in 2023?
At Point dd, Clause 1, Article 7, Decree 146/2018/ND-CP stipulates health insurance payment rates and responsibilities:
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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Pursuant to Point c, Clause 1, Article 8 of Decree 146/2018/ND-CP stipulating the state budget’s support rate:
State budget’s support rate
1. From the entry into force of this Decree, the state budget’s support rates shall be applied to the following policyholders:
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c) The state budget’s support shall be paid for at least 30% of the health insurance contribution rate with respect to those policyholders referred to in clause 3 and 4, Article 4 hereof.
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Thus, the school health insurance premium in 2023 is equal to 4.5% of the base salary, equivalent to 81,000 VND/month (972,000 VND/year). As follows:
Methods | Contribution rates of pupils and students 70% | State budget’s support rate 30% | Health insurance contribution rates |
03 months | 170.100 | 72.900 | 243.000 |
06 months | 340.200 | 145.800 | 486.000 |
12 months | 680.400 | 291.600 | 972.000 |
How long is the validity period of health insurance cards issued to students in Vietnam?
Pursuant to Clause 7, Article 13 of Decree 146/2018/ND-CP regulating the validity period of health insurance cards:
Validity period of health insurance cards
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7. With regard to policyholders specified in clause 3 of Article 4 hereof:
a) Health insurance cards shall be annually issued to students at general education institutions, including the following cases:
- As regards 1st - grade pupils, each health insurance card shall be valid from the 1st day of October of the first year of elementary education;
- As regards12th - grade students, each health insurance card shall be valid till the end of September 30 of that school year.
b) Each health insurance card shall be annually issued to pupils and students at higher education establishments and vocational training facilities, including the following cases:
- As regards first-year students of academic programs, each health insurance card shall be valid from the first date of the academic year, except the case in which 12th - grade students hold their health insurance cards remaining valid;
- As regards last-year students of academic programs, each health insurance card shall be valid till the last date of the final month of each academic program.
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Thus, the validity of students' health insurance cards is as follows:
- As regards 1st - grade pupils, each health insurance card shall be valid from the 1st day of October of the first year of elementary education;
- As regards12th - grade students, each health insurance card shall be valid till the end of September 30 of that school year.
- As regards first-year students of academic programs, each health insurance card shall be valid from the first date of the academic year, except the case in which 12th - grade students hold their health insurance cards remaining valid;
- As regards last-year students of academic programs, each health insurance card shall be valid till the last date of the final month of each academic program.
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