Family health insurance premiums – how to buy health insurance online - FDI Company Formation in Vietnam

Benefits of participating in health insurance when changing the family health insurance contribution level in 2023. How to buy health insurance online, directly by household, download form TK1-TS.

Content summary

I. Family health insurance premiums in 2023

Family health insurance (HHI) is a compulsory health insurance regime aimed at the main target group of households, organized and implemented by the state not for profit purposes.

Accordingly, the subjects allowed to purchase family health insurance are members whose names are in the same household registered for permanent or temporary residence, except for the following subjects:

Group is paid by employees and units;
Group paid by social insurance organization;
Group funded by the state budget;
The group is supported by the state budget for the contribution level.

The price of family health insurance will be calculated based on the basic salary at the time of payment.

➨ Based on the basic salary of 1,490,000 VND/month

According to Point e Clause 1 Article 7 Decree 146/2018/ND-CP issued on October 17, 2018, the family health insurance contribution level is specifically regulated as follows:

Household members	Health insurance contribution rate
1st person	4.5% of base salary
2nd person	70% of the first person’s contribution (3.15% of base salary)
3rd person	60% of the first person’s contribution (2.7% of base salary)
4th person	50% of the first person’s contribution (2.25% of base salary)
From the 5th person onwards	40% of the first person’s contribution (1.8% of base salary)

➨ Based on the basic salary of 1,800,000 VND/month

According to Decree 24/2023/ND-CP issued on May 14, 2023 by the Government, from July 1, 2023, the basic salary will be adjusted to increase to VND 1,800,000/month. Therefore, the family health insurance contribution level will change as follows:

Before 01/07/2023		Member household	From 01/07/2023
By month	By year	Member household	By month	By year
67,050 VND	804,600 VND	1st person	81,000 VND	972,000 VND
46,935 VND	563,220 VND	2nd person	56,700 VND	680,400 VND
40,230 VND	482,760 VND	3rd person	48,600 VND	583,200 VND
33,525 VND	402,300 VND	4th person	40,500 VND	486,000 VND
26,820 VND	321,480 VND	From the 5th person onwards	32,400 VND	388,800 VND

II. Benefits of participating in family health insurance based on new health insurance contribution rates

Pursuant to Point d, Clause 1, Article 14 of Decree 146/2018/ND-CP, health insurance participants whose cost for one medical examination and treatment is lower than 15% of the basic salary (ie lower than VND 223,500, based on the basic salary of VND 1,490,000/month before July 1, 2023) will be paid 100% of the cost.

➨ Thus, when the basic salary increases to 1,800,000 VND/month, the cost for one medical examination and treatment for health insurance participants will change to 270,000 VND (an increase of 46,500 VND compared to before July 1, 2023).

Therefore, if the cost for a medical examination and treatment of a health insurance participant is less than 270,000 VND, the health insurance fund will pay 100% of the cost.

>> You may be interested in: How to go to the doctor without bringing your health insurance card.

III. How to buy family health insurance online – directly

1. Where to buy family health insurance?

Household health insurance participants can register to buy family health insurance at the social insurance agency of the commune, ward or town where they reside or at social insurance collection agents.

2. Application form for family health insurance

To register for family health insurance, the head of household or household representative must prepare the following documents:

Health insurance participation declaration form (form TK1-TS);
List of health insurance participants of all household members (form DK01);
Citizen identification card of the head of household or representative registering (original);
ID cards of household members (copy);
Original or photocopy of health insurance cards of other members in the household who already have health insurance cards to determine the reduction in contribution level.

FREE DOWNLOAD:

>> Form TK1-TS;

>> Model DK01.

3. Procedures for purchasing family health insurance

The head of household or the representative of the head of household can register to buy health insurance for household members in the following 2 ways:

➨ Method 1. Buy health insurance directly

Step 1: The head of household or representative of the household declares information on the health insurance participation declaration form (form TK1-TS) and declares information of all household members on the list of households participating in health insurance (form DK01);
Step 2: Submit the application to the Social Insurance agency of your place of residence or the collection agent along with the application for family health insurance according to the instructions above;
Step 3: Pay health insurance premiums according to regulations and receive an appointment to receive results;
Step 4: Go to the Social Insurance agency where you submitted your application to receive your health insurance card on the date stated on the appointment letter.

➤ Method 2. Buy family health insurance online

Step 1: Register an account and log in to 1 of the 2 following Public Service Portals:
National public service portal: https://dichvucong.gov.vn;
Vietnam Social Security Public Service Portal: https://dichvucong.baohiemxahoi.gov.vn.
Step 2: Select “Service of registration for payment and issuance of health insurance card” for people who only participate in health insurance;
Step 3: Declare information (form TK1-TS) to register for health insurance payment;
Step 4: Select payment and make payment as instructed;
Step 5: Receive electronic receipt from the banking system/payment intermediary;
Step 6: Receive notification of the deadline for returning the health insurance card or the deadline for continuing to use the health insurance card;
Step 7: Receive electronic health insurance card or paper health insurance card according to the registered method.

Note:

The time limit for issuing cards to family health insurance participants by the Social Insurance agency is no more than 5 days after receiving all required documents.

IV. Frequently asked questions when registering to buy family health insurance

1. Who is eligible for family health insurance?

According to Decision 490/QD-BHXH issued on March 28, 2023, subjects participating in family health insurance include all members of the same household registered for permanent or temporary residence. Except for the following groups of subjects:

Group contributed by employees and employers;
Group paid by social insurance organization;
Group funded by the State budget;
Group supported by the State budget for contribution level.

2. Where to buy family health insurance?

Household health insurance participants can register to buy health insurance at the social insurance agency of the commune, ward or town where they reside or at social insurance collection agents.

3. What documents are required to register for family health insurance?

To register for family health insurance, the head of household or household representative prepares the following documents:

Health insurance participation declaration form (form TK1-TS);
List of health insurance participants of all household members (form DK01);
Citizen identification card of the head of household or representative registering (original);
ID cards of household members (copy);
Original or photocopy of health insurance cards of other members with cards in the household register to determine the reduction in contribution level.

4. How can I register to buy family health insurance?

The head of household or the head of household’s representative carries out the procedure to register to buy family health insurance in the following 2 ways:

Method 1: Buy health insurance directly;
Method 2. Buy family health insurance online.

>> See details: Procedures for purchasing family health insurance.