There are students whose health insurance covers nearly 1 billion VND.

bảo hiểm y tế - Ảnh 1. — When participating in health insurance, in addition to the right to pay part or 100% of medical expenses, students enjoy many benefits of medical examination and screening - Photo: HA QUAN

Vietnam Social Security said that according to the 2024 Law on Health Insurance and guiding documents, students can choose where to register for initial medical examination and treatment at health stations and polyclinics near their place of residence or study.

What are the specific health insurance benefits?

Students may change primary care facilities within the first 15 days of each quarter.

When going to see a doctor, students need to present a valid health insurance card, a card image on the VssID application or a chip-embedded citizen ID card, and a VNeID identification account that has integrated health insurance information.

Regarding the benefits, if the medical examination and treatment are in the right place, the children will be covered 100% of the costs at the initial medical examination and treatment facility; costs under 15% of the basic salary (currently 2.34 million VND); paying health insurance for 5 consecutive years or more and the co-payment for medical examination and treatment is greater than 6 months of the basic salary...

Students who receive medical examination and treatment under health insurance that is not in accordance with regulations enjoy 40-80% of the cost. For example, inpatient treatment at the advanced level enjoys 40%, while inpatient treatment at the basic level enjoys 80%.

Patients who have a health insurance card but present the card late will be paid by the health insurance fund within the scope of benefits and levels from the time the card is presented, except in emergency cases.

Social insurance notes the benefit levels for basic medical examination and treatment facilities (from 50 to under 70 points) or before January 1, 2025, which have been identified by competent authorities as provincial level.

Accordingly, inpatients are entitled to a maximum of 1 time the basic salary at the time of discharge, i.e. 2.34 million VND. For specialized medical facilities, inpatients are entitled to a maximum of 2.5 times the basic salary at the time of discharge, i.e. 2.34 million VND x 2.5 = 5.85 million VND.

Many children have large treatment costs covered.

Statistics from the Social Insurance Agency show that in the first 7 months of 2025, the whole country had over 4.3 million students receiving health insurance treatment and the health insurance fund paid nearly 1,770 billion VND. Of these, many students received large treatment costs, in some cases up to nearly 1 billion VND.

For example, patient with card code HS40101299XXXXX ( Hanoi ) with leukemia, pneumonia, and body damage was paid more than 967 million VND.

Another patient in Ho Chi Minh City was paid 473 million VND for respiratory infection and leukemia.

Many cases of serious illnesses such as sepsis, heart failure, respiratory failure, etc. are covered by large sums of money by the health insurance fund.

A new point in the 2025-2026 school year is that students will receive at least 50% support from the State for health insurance premiums. Thus, each student will only have to pay a maximum of less than 632,000 VND/year, saving about 252,000 VND compared to the previous school year.

Currently, the whole country has about 20.5 million students participating in health insurance (not including children of soldiers and police who are given free health insurance cards).

To achieve the goal of 100% of school-age children having health insurance, the social insurance sector has implemented many solutions such as: mobilizing resources to support children in difficult circumstances and ethnic minorities; expanding primary health care facilities in schools...

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HA QUAN

Source: https://tuoitre.vn/co-hoc-sinh-duoc-bao-hiem-y-te-chi-tra-gan-1-ti-dong-20250907115248951.htm