What is health insurance? Health insurance benefits? Why should you buy health insurance?

Currently, health insurance is a type of insurance that is interested and registered by many people from children to adults. However, many people do not really understand what health insurance is? What are the benefits when participating in health insurance? Therefore, today lassho.edu.vn will answer your questions about health insurance through the following article.

What is health insurance?

Health insurance is a type of insurance in the field of public health care issued by a state agency to protect the health care needs of the people, not for profit .

People participating in health insurance will be reimbursed for part or all of their medical examination and treatment costs to assist participants in minimizing health care costs or costs related to treatment. restore health, … in cases such as accidents, diseases , …

Subjects participating in health insurance

Currently, there are two types of health insurance: compulsory health insurance and voluntary health insurance . For compulsory health insurance, including groups of subjects who must participate in health insurance according to Article 12 of the Law on Health Insurance 2008, amended and supplemented in 2014 as follows:

Groups played by employees and employers;

Groups paid by social insurance organizations;

Groups paid by the state budget;

Groups with state budget support;

The group participating in health insurance by household includes members of the household; except for the subjects specified in Clauses 1, 2, 3 and 4 of this Article .

Those who do not fall into one of the above cases , the participation in health insurance is voluntary.

Benefits of participating in health insurance

People participating in health insurance will receive the following benefits according to the provisions of the health insurance law :

Health insurance card issued by the Social Insurance agency after paying health insurance

To choose a convenient medical facility close to the place of residence or work according to the guidance of the Social Insurance agency to register the initial medical examination and treatment. In addition, participants can also change their original place of registration every quarter.

To receive medical examination and treatment and be paid part or all of the medical examination and treatment expenses by the Social Insurance agency, depending on each subject and the participant’s illness in accordance with the Law on Health Insurance. economic. As follows:

– 100% of medical examination and treatment costs for the following subjects:

Children under 6 years old, people with meritorious services to the revolution, people working in the People’s Public Security Forces and the People’s Army.

Subjects of medical examination and treatment at the commune level. Cases where the total cost of medical examination and treatment in 1 time is lower than 15% of the base salary .

Subjects participating in health insurance for 5 consecutive years or more from the time of going to medical care at the right level and having the accumulated amount of medical treatment and medical expenses paid by health insurance in the year greater than 6 months’ basic salary .

– 95% of medical examination and treatment facilities for the following subjects:

Persons who are on pension , who are eligible for social protection allowance , monthly allowance for loss of working capacity . People from poor households .

Ethnic minorities are living in areas with difficult socio-economic conditions , especially difficult ones, and relatives of martyrs .

– 80% of medical examination and treatment costs apply to those insured who do not fall into the above categories.

To be explained and provided with information about the health insurance regime by the health insurance agency, health insurance medical examination and treatment establishments and relevant agencies.

To complain and denounce violations of the law on health insurance.

Where to buy health insurance?

There are many different ways to buy and where to buy Health Insurance, depending on each object. As follows:

– For students: the school will register to participate in health insurance right at the place they are studying. Students and students need to have documents such as: student/student card, ID/CCCD and other identification documents when carrying out the procedures to participate in health insurance.

– For households: can register to participate in health insurance at state agencies such as: People’s Committees of communes, wards and townships where they reside . When registering for health insurance, households need to prepare the following documents:

Declaration of participation in health insurance according to the form (the declaration form will be available at the health insurance registration establishments).

List of household members participating in health insurance according to the form.

Notarized copy of household registration book.

Originals or copies of health insurance cards of those who already have health insurance cards (if any).

For other individuals, agencies, businesses and organizations will be supported to pay health insurance at the unit they are working for .

How to look up health insurance

To look up and find out information related to health insurance, participants can visit the website of the Vietnam Social Insurance and click on the Lookup item online to find out the necessary information.

This article has just answered your questions about health insurance. Hopefully after this article you have given yourself more information you need!

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