If many members in a family buy health insurance, will price of health insurance be lower in Vietnam?
If many members in a family buy health insurance, will price of health insurance be lower in Vietnam? Who is responsible for issuing health insurance cards to people with meritorious services to the revolution in Vietnam? Can students who leave school still use their health insurance cards in Vietnam?
If many members in a family buy health insurance, will price of health insurance be lower in Vietnam?
May I ask you. Is it the case that if there are many people in a family buying health insurance, the price will be lower?
Answer: At Point e, Clause 1, Article 7, Decree 146/2018/ND-CP guiding the Law on Health Insurance stipulates:
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.
=> Thus, according to the above regulations in Vietnam, the household's health insurance premium will be based on the base pay rate. If more people in a family participate in household health insurance, the health insurance premium will decrease.
You can refer to: From 2020, how much is the health insurance premium per household?
If many members in a family buy health insurance, will price of health insurance be lower in Vietnam? (Image from the Internet)
Who is responsible for issuing health insurance cards to people with meritorious services to the revolution in Vietnam?
Who is responsible for issuing health insurance cards to people with meritorious services to the revolution in Vietnam? Hope to receive the above questions soon.
Answer: Clause 11, Article 3 of Decree 146/2018/ND-CP regulates group of health insurance policyholders whose contributions are paid by the state budget including:
11. Relatives of persons rendering meritorious revolutionary services who are natural parents, spouses or children of revolutionary martyrs; persons providing accommodations for martyrs.
Clause 5, Article 11 of Decree 146/2018/ND-CP stipulates preparation of list of policyholders awarded health insurance cards as follows:
5. Commune-level People’s Committees shall be responsible for compiling the list of policyholders referred to in Article 2; clause 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 16 and 17 of Article 3; clause 1, 2 and 4 of Article 4 and Article 5 hereof.
Thus, according to the above regulations in Vietnam, the commune-level People's Committee is responsible for making a list of relatives of people with revolutionary contributions under the management of their commune to send to the district-level social insurance agency to issue health insurance cards.
Can students who leave school still use their health insurance cards in Vietnam?
Let me ask: I have stopped studying at university and I also know that you are about to pay health insurance. When I was still in school, I participated and paid health insurance, can I continue to participate now? If so, where do I have to pay health insurance? Because the card has expired and I'm currently at home without doing anything. Thank you.
Answer: According to Point b, Clause 7, Article 13 of Decree 146/2018/ND-CP regulating the validity period of health insurance cards, in which:
b) Each health insurance card shall be annually issued to pupils and students at higher education establishments and vocational training facilities, including the following cases:
- As regards first-year students of academic programs, each health insurance card shall be valid from the first date of the academic year, except the case in which 12th - grade students hold their health insurance cards remaining valid;
- As regards last-year students of academic programs, each health insurance card shall be valid till the last date of the final month of each academic program.
Thus, health insurance cards for students will be issued annually. In case you leave school and the health insurance card has expired, it cannot be used anymore. If you want to participate in health insurance, you can participate in the form of a household. Pursuant to Article 5 of Decree 146/2018/ND-CP, the group participating in health insurance according to household is specified 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.
The monthly payment and health insurance responsibility in Vietnam are as follows: The first person pays 4.5% of the base salary; The second, third, and fourth person pay 70%, 60%, and 50% of the first person's contribution, respectively; From the fifth person onwards, the payment is equal to 40% of the first person's payment.
Please refer to the following article: Procedures for registering a voluntary health insurance card
Best regards!
