Do all members have to participate in health insurance when purchasing as family-based health insurance in Vietnam? How much is family-based health insurance contribution rate in Vietnam?

Do all members have to participate in health insurance when purchasing as family-based health insurance in Vietnam?

Pursuant to Article 5 of Decree 146/2018/ND-CP regulating group of family-based health insurance policyholders as follows:

1. Persons whose names are inscribed in family household records, except those subjects specified in Article 1, 2, 3, 4 and 6 hereof.

2. Persons whose names are inscribed in temporary residence records, except those specified in Article 1, 2, 3, 4 and 6 hereof and those already participating in health insurance as prescribed in clause 1 of this Article.

3. The following persons eligible for family-based participation in health insurance:

a) Dignitaries, sub-dignitaries and clergy;

b) Persons residing in social relief establishments, except for those defined in Articles 1, 2, 3, 4 and 6 hereof without health insurance contributions supported by the state budget.

In addition, Article 4 of Decree 146/2018/ND-CP also stipulates the group of health insurance policyholders whose contributions are supported by the state budget as follows:

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.

Thus, according to current regulations in Vietnam, when purchasing family-based health insurance, all members must buy it. However, her child is a student who receives insurance premium support from the state, so when her child buys health insurance at school, he or she does not have to buy family-based health insurance.

Do all members have to participate in health insurance when purchasing as family-based health insurance in Vietnam? How much is family-based health insurance contribution rate in Vietnam? (Image from the Internet)

How much is family-based health insurance contribution rate in Vietnam?

According to Article 7 of Decree 146/2018/ND-CP stipulates health insurance contribution rates and health insurance contribution responsibilities as follows:

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.

According to this Article, the health insurance contribution rate will be calculated as above in Vietnam.

Best regards!