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How to read information on health insurance card to know immediately the benefit level and living area

What do the numbers on the health insurance card mean? Can you tell me what the benefit level is by looking at the information?

Báo Tuổi TrẻBáo Tuổi Trẻ08/07/2025

bảo hiểm y tế - Ảnh 1.

The interface of the Social Insurance Digital application (VssID) integrates redirection to the VNeID application of the Ministry of Public Security - Photo: HA QUAN

Accordingly, the current health insurance card has 10 characters, instead of 15 characters as before. The health insurance card also integrates many lookup information.

In addition, from June 1, the social insurance sector has not issued paper health insurance cards to participants, but requires the use of health insurance cards on digital platforms VssID, VNeID. Issuing paper health insurance cards only applies to those who cannot install the VssID, VNeID applications and do not have a citizen identification card with a chip.

Therefore, people can look up card information on VssID or VNeID.

How to identify health insurance information

According to social insurance regulations, the benefit levels of health insurance participants continue to be marked with characters 1, 2, 3, 4, 5. Corresponding to each character, health insurance participants will have their medical examination and treatment costs paid by the health insurance fund at the following levels:

- Symbol number 1: 100% of medical examination and treatment costs covered by health insurance are paid and there is no limit on the payment rate for certain drugs, chemicals, medical supplies and technical services according to the regulations of the Minister of Health on the list, rate and conditions for payment of technical services .

Cost of transporting patients from district level to higher level in emergency cases or when inpatient treatment requires technical transfer.

- Symbol number 2: 100% of medical examination and treatment costs covered by health insurance are paid (with a limit on the payment rate for some medicines, chemicals, medical supplies and technical services according to regulations of the Minister of Health).

Cost of transporting patients from district level to higher level in emergency cases or when inpatient treatment requires technical transfer.

- Symbol number 3: Health insurance fund pays 95% of medical examination and treatment costs within the scope of health insurance payment (with a limit on the payment rate for some drugs, chemicals, medical supplies and technical services according to regulations of the Minister of Health); 100% of medical examination and treatment costs at commune level and the cost for one medical examination and treatment is lower than 15% of the basic monthly salary.

- Symbol number 4: Health insurance fund pays 80% of medical examination and treatment costs within the scope of health insurance payment (with a limit on the payment rate for some drugs, chemicals, medical supplies and technical services according to regulations of the Minister of Health); 100% of medical examination and treatment costs at commune level and the cost for one medical examination and treatment is lower than 15% of the basic monthly salary.

- Symbol number 5: 100% of medical examination and treatment costs are paid by the health insurance fund, including medical examination and treatment costs outside the scope of health insurance ; transportation costs.

bảo hiểm y tế - Ảnh 2.

Health insurance card has number 4 character described after gender - Photo: Screenshot

In addition to identifying the benefit level by the characters on the health insurance card, health insurance participants can also directly look up their benefit level on the Vietnam Social Security system through the Vietnam Social Security link.

To look up, health insurance card holders enter all required information to receive information about benefits and related information.

For example: Full name: Nguyen Thi A, Date of birth..., Card validity: From January 1, 2025 to December 31, 2025.

Benefits: Health insurance fund pays 80% of medical examination and treatment costs within the scope of health insurance payment (with a limit on the payment rate for some medicines, chemicals, medical supplies and technical services according to regulations of the Minister of Health); 100% of medical examination and treatment costs at commune level and the cost for one medical examination and treatment is lower than 15% of the basic monthly salary.

Or more simply, at the VssID application, insurance participants can access the health insurance card section. Here, full information on the benefits of insurance participants when examining and treating health insurance will be displayed.

bảo hiểm y tế - Ảnh 3.

VssID displays full information about the benefit level - Photo: Screenshot

Health insurance card code shows area of ​​residence

Besides the symbol number, the health insurance card will display the code of the place of residence consisting of 2 characters: K1/K2/K3

Specifically, the symbol K1 is the code for ethnic minorities and people from poor households participating in health insurance , living in areas with difficult socio-economic conditions according to the provisions of law.

Symbol K2 is the code for ethnic minorities and people from poor households participating in health insurance , living in areas with especially difficult socio-economic conditions according to the provisions of law.

Symbol K3 is the code of the place where the health insurance participant is living in the island commune or island district according to the provisions of law.

Based on the new health insurance card, the health insurance participant can be identified through the card code. The health insurance benefit level and place of residence of the cardholder can be determined.

WILLOW

Source: https://tuoitre.vn/cach-doc-thong-tin-tren-the-bao-hiem-y-te-de-biet-ngay-muc-huong-khu-vuc-sinh-song-20250708131140272.htm


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