“Hello Lawyer, my wife has been pregnant for 5 months. I want to buy health insurance for my wife, where should I go? Due to many busy jobs, I don’t remember that my wife’s health insurance has expired. When pregnant, how to buy voluntary health insurance? How long will it take to buy health insurance? If my wife gives birth in the hospital, how much will health insurance pay? How to buy voluntary health insurance in Vietnam while pregnant?. Please advise me. I would like to sincerely thank you.”
Health insurance is a form of compulsory insurance that is applied to the subjects prescribed by this Law for health care, not for profit, organized by the State. If you are pregnant, how can you buy voluntary health insurance? To answer the above question, today, LSX Lawfirm will give you an article about “How to buy voluntary health insurance in Vietnam while pregnant?”, as follows:
Legal grounds
Law on health insurance 2008 amended and supplemented in 2014
Circular 40/2015/TT-BHYT
What is voluntary health insurance?
Voluntary health insurance (HI) is a form of insurance implemented by the State not for profit so that all people can get health care when they are sick; or ill from the Health Insurance Fund.
Those who have not yet joined compulsory health insurance (HI) need to buy voluntary health insurance. Under the new rules; from January 1, 2016, onwards; If you want to participate in voluntary health insurance, you must participate in the form of a household.
Benefits of buying voluntary health insurance
Buy voluntary health insurance; Customers will receive the following practical benefits:
- Firstly, To get medical examination; Healing; Rehabilitation; periodical antenatal care; birth
- Secondly, Participating in hospital fees for medical examination and treatment at medical facilities; especially when the disease is serious and requires large treatment costs. The medical insurance fund will help the patient pay from 40% to 100% of the cost of medical examination and treatment (depending on the object and examination facility that the customer chooses).
How to buy voluntary health insurance while pregnant?
When they are not eligible for other health insurance coverage as prescribed in Clauses 1, 2, 3, 4, Article 12 of the 2014 Law on Health Insurance, amended and supplemented, pregnant mothers can fully participate in the health insurance plan. If you are a member of household health insurance, your pregnancy does not affect your benefits to participate in health insurance and your benefits to be covered by health insurance.
To apply for health insurance, participants need to prepare the following documents:
- Firstly, the Household book (original).
- Secondly, Photocopy of the health insurance card of the people in the household registration to determine the deduction of the premium rate
- Thirdly, the Declaration of participation in health insurance (Form TK1-TS)
The process of purchasing health insurance during pregnancy is regulated as follows:
Step 1: Submit your application for health insurance to the Social Insurance Agency of the commune/ward/town where you live or the insurance purchasing agent
And Step 2: Pay the insurance premium
Step 3: Receive an appointment to pick up the insurance card. By the deadline on the appointment letter, you should go to the insurance agency to get the card.
Within 10 working days from the date the health insurance agency receives the valid documents, you will receive your health insurance card.
When is the insurance card valid?
If you are pregnant and then buy health insurance, you should pay attention to when the health insurance card is valid to use to arrange work as soon as possible.
Clause 3, Article 16 of the 2014 Amended Health Insurance Law stipulates that the time when the health insurance card is valid is specified as follows:
“3. The time when the health insurance card is valid is specified as follows:
a) The subjects specified in Clauses 1, 2, and 3, Article 12 of this Law participate in health insurance for the first time, the health insurance card is valid from the date of payment of health insurance;
b) If the person participates in health insurance continuously from the second time onwards, the health insurance card is valid for consecutive use with the expiry date of the previous card;
c) The subjects specified in Clauses 4 and 5, Article 12 of this Law who participate in health insurance from the effective date of this Law, or who participate intermittently for 3 months or more in a fiscal year, their health insurance cards will be Health insurance is valid for use after 30 days from the date of payment of health insurance
d) For children under 6 years old, the health insurance card is valid until the day the child is full 72 months old. In case the child is 72 months old but has not yet entered the school year, the health insurance card is valid until September 30 of that year.
How long before birth to buy health insurance?
According to the 2008 Law on Health Insurance, amended in 2014, “Health insurance is a form of compulsory insurance that is applied to the subjects; specified in this Law for health care, not for the purpose of health care. for-profit purposes organized by the State.”
Article 21 of the Law on Health Insurance 2008 as amended in 2014; stipulates the scope of benefits of health insurance participants as follows: “ 1. Health insurance participants are covered by the health insurance fund; the following fees: a Medical examination, treatment, rehabilitation, periodical antenatal care, childbirth;”
Conclusion: According to the law, Health Insurance does not stipulate; how long the mandatory period of participating in health insurance; before giving birth will be entitled to the health insurance regime.
This regulation is different from the regulations on the time to participate in social insurance to enjoy the maternity regime. Therefore, when participating in Health Insurance, when giving birth to a child; the Health Insurance will be paid in accordance with current regulations.
Consulting service of LSX Lawfirm
Above is LSX Lawfirm’s advice on the content of the problem “How to buy voluntary health insurance in Vietnam while pregnant?”. And all the above knowledge to use in work and life. If you have any questions and need more advice and help, please contact the hotline for the reception. Lawyer X is a place that provides reputable and fast business services at reasonable prices. Customers will be extremely satisfied when using our services.
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Related questions
Step 1: Submit your application for health insurance to the Social Insurance Agency of the commune/ward/town where you live or the insurance purchasing agent
And Step 2: Pay the insurance premium
Step 3: Receive an appointment to pick up the insurance card. By the time on the appointment letter, you go to the insurance agency to get the card.
Within 10 working days from the date the health insurance agency receives the valid documents, you will receive your health insurance card.
Clause 3, Article 31 of Decision 595/QD-BHXH provides as follows: Where to submit the application for participation in health insurance: submit the application to the collection agent or to the social insurance agency. Place of payment: Persons participating in health insurance according to their households, who are supported by a part of the health insurance premium payment rate to the collection agent or directly to the district social insurance agency.
So, if you buy household health insurance, the validity time of your health insurance card is 30 days from the date of joining health insurance.
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Finally, hope this article is useful for you; answer the question: “ How to buy voluntary health insurance in Vietnam while pregnant? “. If you need more information, please contact LSX Law firm: at +84846175333 or Email: [email protected].
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