The Government has just issued Decree No. 188/2025/ND-CP detailing and guiding the implementation of a number of articles of the Law on Health Insurance (HI). In particular, the Decree clearly stipulates the subjects, contribution levels, and support levels for HI contributions.
Subjects participating in health insurance
According to the new decree, in addition to the subjects participating in health insurance as prescribed in Clauses 1, 2, 3, 4, 5 and 6, Article 12 of the Law on Health Insurance, health insurance participants also include a number of other subjects.
That is: rubber workers who are receiving monthly allowances according to Government regulations participating in group health insurance paid by the social insurance agency; people in communes of safe revolutionary zones during the resistance war against France or America who are currently residing in communes of safe revolutionary zones during the resistance war against France or America and whose information has been updated in the national database on population and the database on residence participating in group health insurance paid by the State budget.
People who are awarded the title of People's Artist or Meritorious Artist and belong to households with an average monthly income per capita lower than the basic salary prescribed by the Government and are not subject to the provisions of Clauses 1, 2 and 3, Article 12 of the Law on Health Insurance shall participate in group health insurance paid for by the State budget.
Victims of post-war bombs and mines as prescribed in Clause 8, Article 3 of Decree No. 18/2019/ND-CP who are not subject to the provisions of Clauses 1, 2 and 3, Article 12 of the Law on Health Insurance participate in group health insurance with the State budget supporting the contribution level.
Relatives of employees working in other key organizations according to the provisions of the law on key organizations are not eligible to participate in health insurance according to regulations, and participate in group health insurance paid by the employer or paid by the employee or jointly paid.
People participating in resistance wars, defending the Fatherland, performing international duties and other subjects who have had their health insurance paid by the State budget according to the provisions of legal documents issued before January 1, 2025 participate in group health insurance paid by the State budget.
Military training students of the Commune Military Command with college and university degrees in the military field, in the centralized system according to the Prime Minister's decision and legal regulations before January 1, 2025, who are receiving living expenses from the State budget and have not participated in health insurance, will participate in group health insurance paid by the State budget...
New regulations on health insurance premiums by subject
The Decree also provides specific health insurance contribution levels paid by employers or employees or jointly paid by them.
Accordingly, the contribution level paid by the employer or employee or jointly paid by the employee is stipulated as follows: the monthly contribution level of the subjects specified in points a, c, d and e, Clause 1, Article 12 of the Law on Health Insurance is equal to 4.5% of the monthly salary used as the basis for compulsory social insurance contribution, in which the employer pays 2/3 and the employee pays 1/3.
The monthly contribution level of the subjects specified in Points b and d, Clause 1, Article 12 of the Law on Health Insurance is equal to 4.5% of the monthly salary used as the basis for compulsory social insurance payment and is paid by the subject.
The monthly contribution level of the subjects specified in Point g, Clause 1, Article 12 of the Law on Health Insurance is equal to 4.5% of the basic salary, of which the employer pays 2/3 and the employee pays 1/3.
The monthly contribution level of the subjects specified in Point h, Clause 1, Article 12 of the Law on Health Insurance is equal to 4.5% of the monthly salary used as the basis for compulsory social insurance payment, of which the employer pays 2/3 and the employee pays 1/3.
The monthly contribution level of the subjects specified in Point i, Clause 1, Article 12 of the Law on Health Insurance is equal to 4.5% of the basic salary and is paid by the employers of defense workers and civil servants serving in the army, and employers of police workers working in the people's police.
Employees who are cadres, civil servants, or public employees who are being detained, imprisoned, temporarily suspended from work, or temporarily suspended from their position without being disciplined shall pay a monthly contribution equal to 4.5% of 50% of the monthly salary used as the basis for compulsory social insurance contributions of the employee in the month immediately preceding the detention, imprisonment, or temporary suspension, of which the employer shall pay 2/3 and the employee shall pay 1/3. In case the competent authority concludes that there is no violation of the law, the employer and the employee shall pay health insurance on the amount of salary paid in arrears.
The contribution level paid by the social insurance agency is prescribed as follows: the monthly contribution level of the subjects specified in Point a, Clause 2, Article 12 of the Law on Health Insurance is equal to 4.5% of the pension or disability allowance; the monthly contribution level of the subjects specified in Points b and c, Clause 2, Article 12 of the Law on Health Insurance and Clause 1, Article 5 of this Decree is equal to 4.5% of the basic salary; the monthly contribution level of the subjects specified in Point d, Clause 2, Article 12 of the Law on Health Insurance is equal to 4.5% of the unemployment allowance.
The monthly contribution level of the group paid by the State budget is prescribed. equal to 4.5% of base salary.
The contribution level of the group supported by the State budget is stipulated as follows: the monthly contribution level of the subjects specified in Clause 4, Article 12 of the Law on Health Insurance and Clause 4, Article 5 of this Decree is equal to 4.5% of the basic salary paid by the subjects themselves and partially supported by the State budget according to regulations.
The monthly contribution level of the subjects specified in Clause 5, Article 12 of the Law on Health Insurance is equal to 4.5% of the basic salary and is paid by the subjects according to their households or by themselves as individuals.
Household members specified in Point a, Clause 5, Article 12 of the Law on Health Insurance who participate in health insurance under the form of a household in the fiscal year shall have their contributions reduced as follows: the first person shall pay 4.5% of the basic salary; the second, third, and fourth persons shall pay 70%, 60%, and 50% of the first person's contribution, respectively; from the fifth person onwards, the contribution shall be 40% of the first person's contribution.
In addition, the Decree also clearly stipulates support from 30 - 100% of the health insurance premium depending on the subject. Of which, 100% support of the health insurance premium for people in near-poor households residing in poor communes; support of at least 70% for subjects specified in Point a, Clause 4, Article 12 of the Law on Health Insurance...
TH (according to Vietnamnet)Source: https://baohaiphongplus.vn/chinh-phu-co-huong-dan-moi-ve-doi-tuong-muc-dong-bao-hiem-y-te-416161.html
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