Proposal to increase the household health insurance premium for the 2nd person onwards

In the Draft Law on Health Insurance , the Ministry of Health proposes to change the reduction of the premium for the second member onwards of the household participating in health insurance.

Proposal to increase the household health insurance premium for the 2nd person onwards

Proposal to increase the household health insurance premium for the 2nd person onwards (Illustration image)

Specifically, in Clause 3, Article 14 of the Draft Health Insurance Law, a member of the household specified at Point a, Clause 5, Article 13 of this Law is entitled to a reduction in premium from the second member when participating in insurance. health care in the fiscal year, specifically as follows:

- The first person pays a maximum of 6% of the base salary;

- From the second person onwards, the payment is equal to 80% of the contribution rate of the first person .

Currently, according to Clause 3, Article 13 of the Law on Health Insurance 2008 (amended by Clause 7 Article 1 of the Law on Health Insurance Amendment 2014 ), all members of the household as defined in Clause 5, Article 12 of the Law on Health Insurance. This law requires participation in health insurance. The payment level is gradually reduced from the second member onwards, specifically as follows:

- The first person pays a maximum of 6% of the base salary;

- The second, third and fourth persons pay 70%, 60% and 50% of the first person's payment, respectively;

- From the fifth person onwards, the payment is equal to 40% of the contribution rate of the first person.

Thus, the new proposal in the Draft Health Insurance Law has removed the requirement that all family members have to participate in health insurance, and at the same time, increase the household health insurance premium for the 2nd person or more by 80. % of the first person's contribution.

In addition, the draft also proposes regulations to encourage some participants to pay health insurance premiums up to 3 years in advance. When the face value of the health insurance card changes, the person who has paid the money does not have to pay more or receive it back; cannot withdraw money already paid for health insurance. The Ministry of Health shall detail this content.

In addition, the proposed regulations on supplemental health insurance with the scope of benefits of supplemental health insurance are as follows:

+ Pay for the share of medical examination and treatment expenses covered by health insurance of the participants of health insurance;

+ Paying for the cost of medical services, elective medical services outside the coverage of the health insurance fund;

+ Health insurance package for a number of critical illnesses with large expenses;

+ Other benefits as agreed in the insurance contract.

At the same time, additional cases are not covered by the health insurance fund such as: Using family planning services; Services, drugs, medical supplies, tools and medical equipment that are not on the list, scope and rate of payment promulgated by the Ministry of Health.

See other contents in the revised Draft Law on Health Insurance .

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