Participating in household-based health insurance: Low-cost with great advantages (Illustrative image)

All family members are covered by health insurance

From January 1, 2015, the Law amending and supplementing a number of articles of the Law on Health Insurance stipulates that people can participate in health insurance in household groups, including:

- Persons named in the household registration book/temporary residence book or jointly registered for permanent residence/temporary residence at a lawful place of residence as prescribed by law, except those who already have health insurance cards belonging to another group of subjects.

- People living in social protection establishments, except for those participating in health insurance in other groups who are not supported by the state budget to pay health insurance premiums.

The more family members, the lower the health insurance premiums

Participating in household-based health insurance from the second person onwards will be deducted from the premium rate, specifically as follows:

Flexible and suitable payment method

Participants of health insurance can choose to pay every 3 months, 6 months or 12 months through service organizations collecting social, health insurance premiums or social security agencies.

Great benefits, unlimited payments within the scope and benefits

- For proper-level medical examination and treatment using health insurance

- For improper-level medical examination and treatment using health insurance

Convenient and simple places to register for participation

- Provincial and district-level social security agencies.

- Service organizations collecting social and health insurance premiums.

Illustrative image

The value of using a health insurance card

For those who participate in health insurance for the first time or not continuously for 3 months or more in a fiscal year, the health insurance card is valid for use after 30 days from the date of payment of health insurance premiums. Before the expiry date of the health insurance card, the participant needs to renew the card so that the health insurance card is valid for continuous use without interruption and does not affect the benefits to be enjoyed when participating in health insurance for 5 consecutive years.

Participating in health insurance is a form of contribution when healthy and saving when sick. Therefore, everyone should actively participate in health insurance today to protect the health of themselves and their families, and also a way to share their responsibilities with the community and society.

The health insurance policy in our country is increasingly being developed and perfected in the direction of expanding and ensuring the best insurance benefits of participants. By the end of June 2022, the whole country had about 64,231 million inpatient and outpatient medical care visits with health insurance coverage spending amounting to 46,294 billion VND. Over the past time, the health insurance fund has been a significant source of financial contribution to medical care, people's health care and social security./.