Can I apply for a health insurance refund at school when I already have household health insurance in Vietnam? What are regulations on health insurance reimbursement level when applying for reimbursement in Vietnam?

Can I apply for a health insurance refund at school when I already have household health insurance in Vietnam?

Pursuant to Article 20 Procedures for collection of social insurance contributions and premiums of health insurance, unemployment insurance, occupational accident and occupational disease insurance and issuance of social insurance books and health insurance cards issued together with Decision 595/QD-BHXH in 2017 stipulating the refund of health insurance premiums as follows:

1. A participant prescribed in Clause 4 or 5 Article 17 will have his/her health insurance premium refunded if:

1.1. He/she obtains the health insurance card according to the new entity and makes a notification of decrease in validity of the issued card (applying to the participants whose order of payment is subsequent those of the new entity as prescribed in Article 12 of Law on health insurance);

1.2. The state increases the assistance with his/her health insurance premiums;

1.3. He/she dies before his/her health insurance card is valid.

According to Clause 4, Clause 5, Article 17 of Circular 28/2021/TT-BLDTBXH supplemented by Clause 19, Clause 20, Article 1 of Decision 595/QD-BHXH in 2017 also stipulates cases of reimbursement of health insurance money as follows:

4. Groups supported by the state budget include:

4.1. People in near-poor households;

4.2. Children and students who are attending the educational institutions of the national educational system, including student who are studying civil major in People’s Public Security schools;

4.3. People in households engaged in agriculture, forestry, fishery and salt production with average living standards

5. Group participating in health insurance by household, including:

5.1. All people whose names are in the household registration book, except for the subjects specified in Clauses 1, 2, 3 and 4 of this Article and people who have declared temporary absence;

5.2. All people named in the temporary residence book, except for the subjects specified in Clauses 1, 2, 3 and 4 of this Article.

5.3. The following subjects are eligible to participate in health insurance in the form of households:

a) Dignitaries, officials, monks;

b) People living in social protection facilities without support from the state budget to pay health insurance.

Thus, according to current regulations in Vietnam, students studying at educational institutions under the national education system can have their health insurance premiums refunded. Comparing with the case you mentioned, if it falls into the case specified above, you can reduce the value of using health insurance cards according to the new group of subjects, now report reducing the value of using previously issued cards (with payment order ranked after new subjects according to the provisions of Article 12 of the Health Insurance Law);

Can I apply for a health insurance refund at school when I already have household health insurance in Vietnam? What are regulations on health insurance reimbursement level when applying for reimbursement in Vietnam? (Image from the Internet)

What are regulations on health insurance reimbursement level when applying for reimbursement in Vietnam? 

According to Clause 2, Article 20, Procedures for collection of social insurance contributions and premiums of health insurance, unemployment insurance, occupational accident and occupational disease insurance and issuance of social insurance books and health insurance cards issued together with Decision 595/QD-BHXH in 2017 stipulating the health insurance reimbursement amount as follows:

2. Refunds of health insurance premiums

The refunded premiums shall depend on health insurance premiums and the period in which the premiums have been paid but the health insurance cards have not been used. The period in which the participant has paid premiums but has not used his/her health insurance card shall be counted from:

2.1. The time at which the health insurance card is issued according to the new subject with regard to the participants prescribed in Point 1.1 Clause 1 of this Article.

2.2. The time at which the decision issued by the competent authority comes into force with regard to the participants prescribed in Point 1.2 Clause 1 of this Article.

2.3. The time at which the health insurance card is valid with regard to the participants prescribed in Point 1.3 Clause 1 of this Article.

According to this Article, in case you receive a refund of your health insurance premium, it will be calculated based on the health insurance premium and payment period but have not yet been used in Vietnam. This time is specified as above.

Best regards!