06 groups of subjects required to participate in health insurance in Vietnam from 2021

According to Clause 6 Article 1 of the Law on Health Insurance amended in 2014 of Vietnam and Decree No. 146/2018/NĐ-CP of Vietnam’s Government, 06 groups of subjects participating in health insurance include:

One is, the group whose insurance are paid by the employers and employees

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

- Managers of enterprises, non-state public service providers, managers or administrators of cooperatives who are entitled to wages or salaries;

- Officials and public employees;

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

Note: The health insurance contribution rate shall be equal to 4.5% of the employee’s monthly pay with respect to those whose insurance are paid by the employers and employees. Concurrently, the contribution rate for part-time officers in communes, wards and towns shall be equal to 4.5% of the base pay rate.

Two is, the group whose contributions are paid by social insurance agencies

- Persons eligible to be entitled to retirement pensions and incapacity benefits

- Persons currently entitled to monthly social insurance benefits in connection with occupational accidents or diseases; rubber plantation workers currently entitled to monthly benefits in accordance with the Government’s regulations.

- Employees on sick leaves in connection with diseases defined in the List of diseases of which long-term treatments are required, issued by the Ministry of Health.

- Public officers of communes, wards or townlets who leave work and are currently entitled to monthly social insurance benefits.

- Employees on parental leaves who are entitled to childbirth and adoption benefits.

- Persons currently entitled to unemployment benefits.

The contribution rate shall be equal to 4.5% of the retirement pension and incapacity benefit, unemployment benefit or base pay rate. In particular, the contribution rate shall be equal to 4.5% of the monthly pay that an employee receives before his/her pregnancy and parental leave.

Three is, the group whose contributions are paid by the state budget

- Public officers of communes, wards or townlets who leave work and are currently entitled to monthly social insurance benefits financed by the state budget.

- Persons already terminating entitlement to incapacity benefits who are currently entitled to monthly benefits financed by the state budget.

- Persons rendering meritorious revolutionary services under the provisions of the Ordinance on preference treatment for persons rendering meritorious revolutionary services.

- War veterans who participated in resistance wars from April 30, 1975 backwards and after April 30, 1975.

- Persons engaged in the resistance war and protecting the Fatherland, including: persons fighting the war against the US for protection of the Motherland who have been granted benefits, officers and soldiers of the People's Police participating in the anti-US resistance war for national salvation who have less than 20 years working in the People's Police, who have resigned or returned from the People's Police to their localities and have been entitled to benefits, etc.

- Incumbent National Assembly deputies and incumbent members of all-level People’s Councils.

- Children under 6 years of age.

- Persons eligible to be entitled to monthly social protection benefits under laws on the elderly, the disabled and subject of social protection programs.

- Members of poor households; ethnic minority people living in areas with difficult socio-economic conditions; people living in areas with extremely difficult socio-economic conditions; persons living in island communes or districts and some other subjects.

- Persons who are awarded the title of People’s artisans or outstanding artisans living in families earning the monthly income per capita lower than the base pay.

- Relatives of persons rendering meritorious revolutionary services who are natural parents, spouses or children of revolutionary martyrs; persons providing accommodations for martyrs.

- Relatives of persons rendering meritorious revolutionary services.

- Relatives of officers, professional servicemen, non-commissioned officers and military soldiers in active service, administrative officers, non-commissioned officers and technical or engineering officers, non-commissioned officers in the people’s public security forces, trainees of the people’s police, non-commissioned officers and cryptographic officers who are paid salaries as servicemen, cryptographic trainees entitled to the same compensation regimes and policies as trainees of military and police education institutions.

- Persons already donating human body organs under laws on organ donation and transplantation.

- Foreigners studying in Vietnam who receive scholarships financed by the state budget of Vietnam.

- Home attendants of persons rendering meritorious revolutionary services, including: attendants of Vietnamese heroic mothers; attendants of wounded soldiers, sick soldiers who suffer from a reduction by at least 81% of labor capacity; attendants of partisans suffering diseases due to exposure to toxic chemicals whose labor capacity is reduced by at least 81%.

- Persons aged 80 years or older who are entitled to monthly benefits for elderly people under laws on social insurance.

The contribution rate shall be equal to 4.5% of the base pay rate.

Four is, the group whose contributions are supported by the state budget

- Members of near-poor family households defined according to the near-poor criteria under regulations of the Government and the Prime Minister.

- Members of multidimensional-poverty family households.

- Pupils and students.

- Members of family households doing business in the agriculture, forestry, aquaculture and salt industry who earn an average income in accordance with regulations of the Government and the Prime Minister.

The state budget’s support rates shall be applied to the above policyholders are as follows:

- The state budget’s support shall be paid for at least 70% of the health insurance contribution rate with respect to those who are members of near-poor family households or members of multidimensional-poverty family households.

- The state budget’s support shall be paid for at least 30% of the health insurance contribution rate with respect to pupils and students, members of family households doing business in the agriculture, forestry, aquaculture and salt industry who earn an average income.

Five is, the group of family-based health insurance policyholders

- Persons whose names are inscribed in family household records, temporary residence records, except those subjects specified above.

- The following persons eligible for family-based participation in health insurance:

• Dignitaries, sub-dignitaries and clergy;

• Persons residing in social relief establishments without health insurance contributions supported by the state budget.

The health insurance contribution rate shall be determined as follows: 

- The first policyholder shall be required to pay 4.5% of the base pay rate;

- The second policyholder shall be required to pay 70% of the contribution rate of the first policyholder;

- The third policyholder shall be required to pay 60% of the contribution rate of the first policyholder;

- The fourth policyholder shall be required to pay 50% 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.

Six is, the group whose contributions are paid by employees

- Relatives of public national defense workers and employees on active service in the military.

- Relatives of public security workers on active service in the People’s Police.

- Relatives of those performing other tasks in cryptographic organizations.

Besides, according to Clause 5 Article 7 of the Decree No. 79/2020/NĐ-CP of Vietnam’s Government, the group of cadets who have been training reserve officers for 3 months or more and have not participated in social insurance and health insurance, and during the training period, they are paid health insurance premiums by the training institution as prescribed. 

The above are groups of subjects participating in health insurance and health insurance premiums for each subject, for the purpose of health care and reducing medical examination and treatment costs. Hopefully this information can help Customers and Members better understand the subjects participating in health insurance and the payment rates for each subject.

Ty Na

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