What is the health insurance premium rate for employees working under a labor contract in Vietnam?

What are groups of the insured of health insurance in Vietnam?

Pursuant to Article 12 of the Law on Health Insurance in 2008 (amended by Clause 6 Article 1 of the Law on amendments to the Law on Health Insurance in 2014 and supplemented by Clause 2 Article 32 of the Law on the Participation of Forces in Protecting Security and Order at the Grassroots Level in 2023) stipulating the insured of health insurance as follows:

1. The group whose insurance are paid by the employers and employees, including:

- Employees on indefinite or at least full three-month contracts;

- Salaried business managers;

- Officials and civil servants (hereinafter referred to as employees).

- Part-time officers in communes, wards and towns under the regulations of the law.

2. The group of the insured whose insurance is paid by the social insurance organizations, including:

- Persons receiving monthly retirement pensions and compensation for loss of capacity for work

- Persons receiving monthly social insurance pensions due to occupational accidents or diseases or diseases needing long-term treatment;

- Beneficiaries at the age of 80 or above;

- Officers in communes, wards and towns who have left employment and been receiving monthly social insurance benefits.

- Persons receiving unemployment benefits.

3. The group of the insured whose insurance is paid by the State budget, including:

- Commissioned officers, professional soldiers, non-commissioned soldiers on active duty;

- Commissioned police officers and non-commissioned police officers; police students, non-commissioned police officers or soldiers on fixed term contracts; ciphers whose salaries are the same as the salaries as the servicemen; cipher students whose benefits are the same as the benefits of students in military or police academies.

- Officers in communes, wards and towns who have left employment and been receiving monthly pensions funded by the State budget.

- Persons no longer receiving compensation for loss of capacity for work and being receiving monthly pensions funded by the State budget;

- Persons performing meritorious services in the wars, war veterans;

- Incumbent deputies of the National Assembly or the People’s Councils at all levels;

- Children under the age of 6;

- Persons receiving monthly social protection pensions;

- Poor household members, ethnics living in regions facing socio-economic difficulties, persons living in regions facing extreme socio-economic difficulties;

- Persons living in island communes or districts.

- Relatives of persons performing meritorious services in the wars such as biology parents, husbands, wives or children of revolutionary martyrs; persons rearing revolutionary martyrs;

- Relatives of persons performing meritorious services in the wars;

- Persons who have donated body parts under the regulations of the law;

- Foreigners studying in Vietnam that are granted scholarships funded by the Vietnam State budget.

4. The group of the insured whose insurance are supported by the State budget, including:

- Members of households living above the poverty line;

- Studentsl

- People participating in protecting security and order at the grassroots Level.

5. Group of the household insured including household members except for the ones prescribedas above.

What is the health insurance premium rate for employees working under a labor contract in Vietnam? - image from internet

What is the health insurance premium rate for employees working under a labor contract in Vietnam?

Pursuant to Clause 1 Article 13 of the Law on Health Insurance in 2008 (amended by Clause 7 Article 1 of the Law on amendments to the Law on Health Insurance in 2014) stipulating health insurance rates and responsibilities to pay health insurance premiums as follows:

Health insurance rates and responsibilities to pay health insurance premiums

1. Health insurance rates and responsibilities to pay health insurance are prescribed as follows:

a) The monthly premiums of the insured prescribed in point a Clause 1 Article 12 of this Law must not exceed 6% of the monthly salaries, two thirds of which is paid by the employers and the remaining one third is paid by the employees. During the time the employees are entitled to maternity leave due to maternity benefits under the regulations of law on health insurance, the maximum premiums equal to 6% of their monthly salaries before the maternity leave shall be paid by the health insurance organizations.

b) The monthly premiums of the insured prescribed in point b Clause 1 Article 12 of this Law must not exceed 6% of the base salaries, two thirds of which is paid by the employers and the remaining one third is paid by the employees;

c) The monthly premiums of the insured prescribed in point a Clause 2 Article 12 of this Law must not exceed 6% of the retirement pensions, compensation for loss of capacity for work and such premiums shall be paid by the health insurance organizations;

...

According to the regulations, the maximum health insurance premium rate for employees working under a labor contract is 6% of their monthly salary. This includes the employee contributing a maximum of 2% and the employer contributing a maximum of 4%.

Furthermore, according to Clause 1, Article 18 of Decision 595/QD-BHXH in 2017, there are current provisions regarding the health insurance premiium rate. For employees working under an indefinite-term labor contract or a fixed-term labor contract of at least 3 months, and for workers who are managers of enterprises or cooperatives, the monthly premium rate is 4.5% of the monthly salary, including:

- The employer contributing 3%.

- The worker contributing 1.5%.

What are cases of exchange of a health insurance card in Vietnam?

Pursuant to Clause 1 Article 19 of the Law on Health Insurance in 2008 stipulating exchange of health insurance cards as follows:

Exchange of health insurance cards

1. A health insurance card may be exchanged in the following cases:

a/ It is torn, rumpled or damaged:

b/ The registered primary care provider is changed;

c/ The information printed in the card is incorrect;

...

As regulations above, a health insurance card may be exchanged in the following cases:

- It is torn, rumpled or damaged:

- The registered primary care provider is changed;

- The information printed in the card is incorrect.

Best regards!