A social security worker introduces the insurance policy for a citizen in Thốt Nốt District in the Mekong Delta city of Cần Thơ. VNA/VNS Photo Thu Hiền

HÀ NỘI – Việt Nam Social Security has urged citizens to participate in household health insurance, affirming that the model provides practical benefits to all family members, especially those with low incomes and cases of illness.

This would help share the financial burden for people in case of illness or inability to work, it said on the occasion of Việt Nam Health Insurance Day (July 1).

Currently, the premium for household health insurance is set at 4.5 per cent of the basic salary. Starting from July 1, when the basic salary increases to VNĐ1.8 million per month according to the Government’s Decree 24/2023/NĐ-CP, the premium for household health insurance will also rise.

When participating in this model, participants will receive a partial reduction in premiums for family members who also join during the fiscal year, it said.

Specifically, the first cardholder of the household will have to pay 100 per cent of the insurance cost of VNĐ972,000 per year. The second person will pay 70 per cent of the premium of the first person, equivalent to VNĐ680,400 per year. The third, fourth and fifth cardholders will pay 60 per cent, 50 per cent and 40 per cent of the premium of the first person, equivalent to VNĐ583,200 per year, VNĐ486,000 per year, and VNĐ388,800 respectively.

Cardholders will have their medical expenses, including fees for health examinations and stays in hospital beds, paid for within the scope of benefits and limits specified.

Household health insurance will cover 100 per cent of total medical expenses for outpatients receiving medical treatment at their communal health clinics if the medical expenses are lower than 15 per cent of their basic salary, or after patients’ participating in health insurance for five consecutive years or more and having the same amount of payment for medical expenses exceeding six months of the basic salary.

Household health insurance will cover 80 per cent of hospital fees for health examinations or hospital beds for other cases.

For cases receiving medical treatment outside the designated level of health insurance, if the patient does not have a referral document but provides complete health insurance procedures, they will receive 100 per cent coverage of outpatient medical expenses at district-level hospitals and 100 per cent coverage of inpatient medical expenses at provincial or district-level hospitals, and 40 per cent coverage for inpatient treatment at central-level hospitals.

Citizens can submit the prescribed declaration form and register at the headquarters of the provincial or district social insurance agency, social insurance service providers, healthcare insurance providers, or the National Public Service Portal on www.dichvucong.gov.vn, or the Social Insurance Portal on www.dichvucong.baohiemxahoi.gov.vn.

Participants in household health insurance should note that the card will be valid 30 days after the health insurance premium payment.

When seeking medical treatment with health insurance, participants need to present the health insurance card or the image of the health insurance card on the VssID application, as well as personal identification documents with photos or chip-embedded citizen identification cards, it said. – VNS