Accordingly, payment of health insurance for foreigners is an important issue for many businesses when the use of foreign workers is increasingly popular. So, what are the regulations on health insurance premiums of foreigners in Vietnam? Let’s find out with LSX in this article!
Legal grounds
- Law on Health Insurance 2008 (amended and supplemented 2014)
- Decision 595/QD-BHXH
Can foreigners participate in health insurance?
The current health insurance law stipulates the following subjects:
This law applies to domestic organizations and individuals and foreign organizations and individuals in Vietnam related to health insurance.
Therefore, the law does not distinguish between Vietnamese and foreign workers. In fact, foreigners have the right to participate in voluntary health insurance; otherwise compulsory health insurance.
Compulsory health insurance premiums for foreigners
Hence Clause 1, Article 17 of Decision 595/QD-BHXH, an employee working under an indefinite term labor contract, a labor contract with a term of 3 months or more, an enterprise manager, Management and administration of cooperatives with salary, working at agencies, units, organizations… all have to participate in health insurance (HI).
Following that basis, according to Article 18 of this Decision:
The employee’s total monthly health insurance premium payment is equal to 4.5% of the monthly salary. In fact, the employer pays 3%; employees pay 1.5%. The monthly salary on which health insurance premiums are based is the monthly salary on which the compulsory social insurance premium is based.
Minimum health insurance premium
Following Point 2.6, Clause 2, Article 6 of Decision 595 clearly states:
- The monthly salary in case of compulsory social insurance is based is not lower than the regional minimum wage for employees who perform the simplest jobs or titles in normal working conditions.
- Employees who perform jobs or titles that require vocational training or vocational training must be at least 7% higher than the regional minimum wage.
- Employees doing jobs or titles with heavy, hazardous or dangerous working conditions must be at least 5% higher; a job or title with particularly heavy, hazardous or dangerous working conditions must be at least 7% higher than the salary of a job or title of equivalent complexity, working in poor working conditions.
Maximum health insurance premium
Following Clause 3, Article 6 of Decision 595:
In case the monthly salary for payment of compulsory social insurance is higher than 20 months’ basic salary, then the monthly salary for which compulsory social insurance is based is equal to 20 months’ basic salary.
Thank you for paying attention to our article on “Regulations on health insurance premiums of foreigners”. Hope that this article will help you solve your problem. If you have any questions, please feel free to contact Lawyer X for quick and best legal services: +84846175333.
In the following cases, foreigners will be able to change their health insurance cards:
– Torn, broken or damaged.
– Change of place of initial medical examination and treatment registration.
– The information in the card is incorrect.
If a foreigner has paid health insurance premiums and receives medical examination and treatment at the right level at hospitals and medical examination and treatment establishments as prescribed. The health insurance premium for foreigners is 80% of medical examination and treatment costs.
For out-of-network medical examination and treatment, the health insurance benefits for foreigners who have paid health insurance premiums are as follows:
1. 40% of medical examination and treatment costs at central hospitals.
2. 60% of medical examination and treatment costs at provincial hospitals.
3. 100% of medical examination and treatment costs at district hospitals.
Conclusion: So the above is Regulations on health insurance premiums of foreigners in Vietnam. Hopefully with this article can help you in life, please always follow and read our good articles on the website: lsxlawfirm.com
