Do foreigners participate in health insurance in Vietnam?
Please ask: Do foreigners participate in health insurance in Vietnam? What cases are not covered by health insurance in Vietnam? Looking forward to having your questions answered!
Do foreigners participate in health insurance in Vietnam?
Pursuant to Article 1 of Decree 146/2018/ND-CP regulating group of health insurance policyholders whose contributions are paid by both employees and employers:
Group of health insurance policyholders whose contributions are paid by both employees and employers
1. Employees working under indefinite-term employment contracts or fixed-term employment contracts, each of which has the term of at least 3 months; managers of enterprises, non-state public service providers, managers or administrators of cooperatives who are entitled to wages or salaries; public officials, servants and employees.
2. Lay public officers at communes, wards and townlets in accordance with laws.
Pursuant to Article 5 of Decree 146/2018/ND-CP amended by Clause 1 and Clause 2, Article 2 of Decree 104/2022/ND-CP regulating group of family-based health insurance policyholders:
Group of family-based health insurance policyholders
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 the same household registering their temporary residence, except those persons specified in Article 1, 2, 3, 4 and 6 hereof and those who have already participated 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.
According to this Article, foreigners participate in health insurance in Vietnam if they fall into one of the following two cases:
Case 1: Group of employees and employer pay health insurance
Foreigners working under labor contracts of indefinite term, labor contracts with a term of 3 months or more;
Employees who are managers of enterprises, non-public service units and managers of cooperatives receive salaries;
Case 2 : Group participating in household health insurance
Foreigners whose names are in the same household register for permanent or temporary residence.
Do foreigners participate in health insurance in Vietnam? (Image from the Internet)
What cases are not eligible for health insurance in Vietnam?
Pursuant to Article 23 of the 2008 Health Insurance Law amended by Clause 16, Article 1 of the 2014 Amended Health Insurance Law, cases not eligible for health insurance benefits:
1. Cases specified in Clause 1 of Article 21 in which costs have been paid by the state budget.
2. Convalescence at sanatoria or convalescence establishments.
3. Medical check-up.
4. Prenatal tests and diagnosis for non-treatment purposes.
5. Use of obstetric supportive techniques, family planning services or abortion services, except for cases of discontinuation of pregnancy due to fetal or maternal diseases.
6. Use of aesthetic services.
7. Treatment of squint, myopia and eye refraction defect except for the children under age 6.
8. Use of prostheses including artificial limbs, eyes, teeth, glasses, hearing aids or movement aids in medical examination, treatment and function rehabilitation.
9. Medical examination, treatment and functional rehabilitation in case of disasters.
11. Medical examination and treatment for addiction to drugs, alcohol or other habit-forming substances.
13. Medical assessment, forensic examination, forensic mental examination.
14. Participation in clinical trials or scientific research.
What are regulations on salaries, remuneration, allowances serving as a basis for health insurance premium payment?
Pursuant to Article 14 of the 2008 Health Insurance Law amended by Clause 8, Article 1 of the 2014 Amended Health Insurance Law, it is stipulated that salaries, wages, and benefits as a basis for paying health insurance are as follows:
1. Employees salaried under state regulations shall pay health insurance premiums based on their monthly salaries paid according to their ranks or grades, and position, extra-seniority or trade seniority allowances (if any).
2. Employees salaried or remunerated according to their employers’ regulations shall pay social insurance premiums based on their monthly salaries or remunerations indicated in their labor contracts.
3. Persons on monthly pension, working capacity loss allowance or job-loss allowance shall pay health insurance premiums based on their monthly pensions, working capacity loss allowances or job-loss allowances.
4. With regard to other insured, their premiums shall be paid according to their base salaries.
5. The premiums shall be paid according to the monthly salaries that must not exceed 20 times base salaries.
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