The Law on Health Insurance of Vietnam stands as a crucial piece of legislation that outlines the framework for the regulation of health insurance in the country. This article provides a comprehensive overview of the Law on Health Insurance of Vietnam and its importance in ensuring that all citizens have access to quality and affordable healthcare services. LSX legal firm introduces: “Overview on the Law on Health Insurance of Vietnam”
Legal ground
- law on Health Insurance 2008, amended in 2013
Overview of the Law on Health Insurance
The Law on Health Insurance was enacted by the Vietnamese National Assembly in 2008 to provide a comprehensive framework for the regulation of health insurance in the country. The law aims to ensure that all Vietnamese citizens have access to affordable health care services, regardless of their financial status.
The law mandates that all Vietnamese workers and people subjected to health insurance under this law must participate in the national health insurance scheme. The scheme covers basic medical treatments, hospitalization, and emergency care. The law also requires employers to provide health insurance for their employees, with the cost shared between the employee and the employer.
The law also outlines the benefits and services covered under the health insurance scheme. These include preventive care, outpatient treatments, hospitalization, maternity care, and rehabilitation services. The law also includes provisions for the treatment of chronic diseases, mental health issues, and rare medical conditions.
The law also includes provisions for the regulation of health care providers. It mandates that health care providers must get license and meet certain quality standards to participate in the health insurance scheme. The law also establishes penalties for health care providers who engage in fraudulent activities or provide substandard care.
Overall, the Law on Health Insurance 2008 of Vietnam aims to ensure that all Vietnamese citizens have access to affordable and quality health care services. The law provides a comprehensive framework for the regulation of health insurance, including the establishment of the Vietnam Social Security as the main authority responsible for managing the health insurance scheme. The law also outlines the benefits and services covered under the scheme and sets out procedures for filing claims and resolving disputes related to health insurance coverage.
Objective of the Law on Health Insurance
The primary objective of the law is to establish a comprehensive health insurance system that covers all citizens and residents of Vietnam. This system includes mandatory health insurance for employees, voluntary health insurance for those not covered by mandatory insurance, and subsidies for the poor and vulnerable populations. The government also provides support to health insurance funds to ensure that they have sufficient resources to cover all insured individuals.
The law also aims to improve the quality of health care services by increasing the number of health care providers, improving the skills and qualifications of health care workers, and improving the infrastructure of health care facilities. This is achieved through the establishment of a national health insurance system that provides financial incentives for health care providers to improve their quality of care.
In addition, the law seeks to increase the efficiency and effectiveness of the health care system by promoting preventive and primary health care services. This includes the provision of health education and promotion programs, the establishment of community-based health care centers, and the of disease prevention and control measures.
Another objective of the Law on Health Insurance is to reduce the financial burden on households and individuals by providing affordable health care services. The law ensures that health insurance premiums are affordable and that out-of-pocket expenses for health care services are minimized. The government also provides financial assistance to households and individuals who are unable to afford health insurance premiums or medical expenses.
Overall, the Law on Health Insurance of Vietnam aims to establish a comprehensive health insurance system that provides universal coverage, improves the quality of health care services, promotes preventive and primary health care, and reduces the financial burden on households and individuals.
Important rules of the Law on Health Insurance
The Law on Health Insurance of Vietnam is a comprehensive legal framework that governs the health insurance system in Vietnam. It comprises several important rules that are essential for the effective implementation of the law. Some of the most important rules of the Law on Health Insurance of Vietnam are:
- Mandatory health insurance: According to the law, all employees working for companies in Vietnam are required to have mandatory health insurance. The employer is responsible for paying a portion of the insurance premium, while the employee pays the remainder.
- Voluntary health insurance: Individuals who are not covered by mandatory health insurance can purchase voluntary health insurance. This includes self-employed individuals, retirees, and others who are not covered by mandatory health insurance.
- Health insurance funds: The law establishes health insurance funds, which are responsible for collecting premiums, managing the funds, and paying for health care services. These funds supervised by the government to ensure that they operate efficiently and effectively.
- Health care services covered: The law specifies the health care services covered by health insurance, including preventive services, primary health care, and hospitalization. The law also includes a list of medicines that are covered by health insurance.
- Cost-sharing: The law requires that insured individuals pay a portion of the cost of health care services, known as cost-sharing. The amount of cost-sharing varies depending on the type of service and the income of the individual.
- Quality assurance: The law requires health care providers to meet certain quality standards in order to be eligible for reimbursement by health insurance funds. The government also establishes a system for monitoring and evaluating the quality of health care services.
Compare the Law on Health Insurance 2008 and the amended Law on Health Insurance 2013
One of the major differences between the two laws is the expansion of health coverage. The amended law extends health insurance to individuals who previously excluded, such as those working in the informal sector and students. This expansion of coverage has helped to reduce the number of uninsured individuals in Vietnam and promote equity in health care.
Another significant difference between the two laws is the increased emphasis on preventive and primary health care. The amended law places a greater emphasis on preventive care and encourages the establishment of community-based health care centers. This focus on preventive care intends to reduce the burden of disease and promote better health outcomes for individuals and communities.
The amended law also introduces changes to the management of health insurance funds. Under the new law, health insurance funds are required to be financially self-sufficient and are encouraged to invest in health care infrastructure. This change is designed to improve the quality of health care services and ensure the sustainability of the health insurance system in the long term.
The amended law also introduces changes to the regulation of health care providers. Under the new law, health care providers must meet certain quality standards in order to be eligible for reimbursement by health insurance funds.
In summary, the Law on Health Insurance of Vietnam has undergone significant changes since its enactment in 2008. The amended law of 2014 has expanded health coverage, emphasized preventive and primary health care, introduced changes to the management of health insurance funds, and improved the regulation of health care providers. These changes intended to promote equity in health care and improve the quality of health care services in Vietnam.
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Frequently asked questions
According to the Law on Health Insurance, each person granted only one health insurance card.
7 working days after receiving a written request for the re-grant of a card.
Within 7 working days after receiving a complete dossier, the health insurance institution shall exchange the card for the insured.
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