Can I get health insurance while receiving unemployment allowance in Vietnam?

Can I get health insurance while receiving unemployment allowance in Vietnam?

Hi guys, let me ask a question, my sister used to work at a company in Ho Chi Minh City, then the company dissolved due to bankruptcy, now my sister is receiving unemployment allowance. Can you tell me if my sister has health insurance? Hope you guys can help me, thank you very much.

Reply:

In Article 51 of the Employment Law 2013, the health insurance for unemployment benefits beneficiaries is as follows:

1. Persons on unemployment allowance are entitled to health insurance benefits in accordance with the law on health insurance.

2. Social insurance organizations shall pay health insurance premiums for persons on unemployment allowance from the Unemployment Insurance Fund.

Thus, during the period of unemployment benefits, employees are entitled to the health insurance regime, and the social insurance organization is responsible for paying social insurance premiums for the people receiving unemployment benefits.

In addition, according to the provisions of Article 23 of Decree 28/2015/ND-CP on issuance and revocation of health insurance card as follows:

1. Issuance of health insurance card

Based on the decision of unemployment benefits, the social insurance organization shall issue the health insurance card for employees.

2. Revocation of health insurance card

If employees are entitled to unemployment benefits every month and terminated unemployment benefits, the employees shall not be entitled to health insurance and must return the health insurance card for the social insurance organization under the guidance of Vietnam Social Insurance.

Thus, during the time your sister receives unemployment benefits, she will be entitled to health insurance, when the unemployment benefit period expires, she will stop enjoying the health insurance regime in Vietnam.

Do I have to notify the insurance agency when I lose my health insurance card in Vietnam?

The insurance person told me that after I got a job, I must tell her immediately and return my health insurance card, but I discovered that my health insurance card was lost. Do I have to report the loss of my health insurance card to the insurance company? Can I not report? Look forward to consulting. Sincere thanks!

Reply:

If you have previously submitted an application for unemployment benefits to the local employment service center where you want to receive unemployment benefits, the application for unemployment benefits is not required to include health insurance, the loss of health insurance does not affect the process of receiving unemployment benefits. However, after you receive the decision to receive unemployment benefits, the social insurance organization will issue a new health insurance card for you and revoke the card when you stop receiving unemployment benefits and must return it to the social insurance organizations according to Article 23 of Decree 28/2015/ND-CP as amended by Clause 11 Article 1 of Decree 61/2020/ND-CP detailing the implementation of a number of articles of the Employment Law About unemployment insurance:

1. Based on the decision on entitlement to the unemployment benefit, the social insurance agency shall issue the social insurance card to the employee.

2. The employee shall be subject to the termination of entitlement to health insurance benefit when his/her unemployment benefit is terminated.

So, that means when you find a new job and are required to participate in unemployment insurance under the provisions of the Employment Law 2013 in Vietnam, when there is a decision to receive unemployment benefits; at that time you get a new health insurance book and have to pay back the old health insurance. If you lose it, you must notify the health insurance organization because you are obliged to return the card, but if you lose it, you must notify it.

What are benefits of paying full 05 consecutive years of health insurance in Vietnam?

Hi. Please answer me the following information. On the health insurance card, the words "Full 05 consecutive years from ...". What are the benefits of those who have such health insurance cards? If an employee is laid off/retired, is it possible in addition to unemployment benefits if the employee wants to receive a lump-sum benefit? If yes, what percentage of salary is calculated and what is calculation of levels? - Is the monthly mobile phone bill included in the fixed salary as basic for the PIT deduction?

Reply:

Regarding the questions you have, please help answer the following:

1. Regarding health insurance: According to the provisions of Clause 15, Article 1 of the Law on Health Insurance Amendment 2014 (Amendment to Article 22 of the Law on Health Insurance 2008): Total medical examination and treatment expenditures with regard to the at least 5-year-insured whose medical examination and treatment expenditures exceed the total amount of the base salaries in 6 months, except for the insured who go to the hospitals different from the registered hospitals.

2. Unemployment benefits: Unemployment benefits are not paid once but monthly. Pursuant to Article 50 of the 2013 Employment Law:

- The monthly unemployment allowance level equals 60% of the average monthly wage of 6 consecutive months before the worker becomes unemployed on which unemployment insurance premiums are based, but must not exceed 5 times the basic wage level, for workers receiving wages under the State-prescribed regime, or must not exceed 5 times the region-based minimum wage level under the Labor Code, for workers who pay unemployment insurance premiums under the wage regime decided by employers at the time of termination of the labor contract or working contract.

- The duration of unemployment allowance receipt is based on the number of months of payment of unemployment insurance premiums. This duration is 3 months if the period of payment of unemployment insurance premiums is between full 12 months and full 36 months, which is added with 1 month for each additional period of payment of full 12 months, but must not exceed 12 months.

- The time for unemployment allowance receipt is counted from the 16 th day after the date of submission of a complete dossier for receipt of unemployment allowance as specified in Clause 1, Article 46 of this Law.

3. Regarding telephone charges: Please see the following official dispatch: Official Dispatch 1166/TCT-TNCN 2016 guiding personal income tax for business trip expenses and phone calls issued by the General Department of Taxation.

Best regards!