From July 1, 2018, the statutory pay rate has been increased to VND 1.39 million per month, leading to an increase in the contribution rates and benefits under health insurance benefits accordingly. For detailed information, please refer to the article below.
Article table of contents
1. Increase in Monthly Health Insurance Contribution
Currently, based on Points b, d, and e of Article 2 Decree 105/2014/ND-CP, the monthly health insurance contribution rate is 4.5% of the statutory pay rate, equivalent to 58,500 VND/month.
However, from July 01, 2018, the statutory pay rate will increase, resulting in the health insurance contribution rate rising to 62,550 VND/month. This applies to individuals such as non-professional activities in communes, wards, and commune-level towns; near-poor households; students, etc.
Additionally, for health insurance contributions in the form of a household, the contributions are stipulated as follows: The first member pays 4.5% of the statutory pay rate; the second, third, and fourth members pay 70%, 60%, and 50% respectively of the first member's contribution; from the fifth member onward, the rate is 40% of the first member's contribution.
Thus, with an increased statutory pay rate to 1.39 million VND from July 01, 2018, the health insurance contribution for the first member is 62,550 VND/month, followed by the second member at 43,750 VND/month; the third member at 37,530 VND/month; the fourth member at 31,275 VND/month; and from the fifth member onward at 25,020 VND/month.
2. Increase in Reimbursed Amount for Medical Treatment with Health Insurance Card
Currently, the medical treatment cost reimbursed 100% by health insurance is below 195,000 VND, which is equivalent to 15% of the statutory pay rate. From July 01, 2018, individuals with medical treatment costs below 208,500 VND will still be fully reimbursed by health insurance (based on Point d, Clause 1, Article 4 Decree 105/2014/ND-CP).
Additionally, Decree 105/2014/ND-CP stipulates that individuals with continuous health insurance contributions for 5 years and with co-payment costs for medical treatment exceeding 6 months of the statutory pay rate will get 100% reimbursement of medical treatment costs. Therefore, from July 1, 2018, if one has participated in health insurance for 5 consecutive years and the co-payment costs for medical treatment exceed 6 months of the statutory pay rate equivalent to 8.34 million VND, they will get 100% reimbursement for medical treatment costs.
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