3 cases of health insurance refund

According to Vietnam Social Security, in the consolidated document No. 2525/VBHN-BHXH on promulgating the process of collecting social insurance, health insurance, unemployment insurance, occupational accident and disease insurance, there are 3 cases where health insurance participants are refunded.

Health insurance participants are refunded in some cases.

PHOTO: TN

Specifically, participants are issued health insurance cards according to a new group of subjects, and now report a reduction in the value of the previously issued card. The condition for receiving a refund of health insurance money is that people are then issued health insurance cards according to a different group of subjects.

For example, when a family member participates in family health insurance, is later hired by a company and is issued a health insurance card paid by the company. In this case, the previously paid family health insurance card will be reduced in value (because the health insurance card for the new subject has a higher priority). At this time, people will be refunded the amount paid for the unused period.

Case 2, the state budget adjusts to increase the support for health insurance contributions. Cases where health insurance contributions are refunded when the policy changes and a certain group of subjects enjoys a higher level of health insurance contribution support than before.

Case 3: The participant dies before the health insurance card becomes valid. In case the person who purchased the health insurance card dies before the card becomes valid, the family of the deceased will be refunded the entire amount paid for the unused health insurance card.

The refund amount is calculated based on the health insurance premium and the period of time the premium has been paid but the card has not been used.

To receive a refund of health insurance premiums, participants must submit a profile to the Social Insurance agency directly or through the following methods: submit online on the Vietnam Social Insurance Public Service Portal, through the I-VAN Organization, by post, or submit at public administrative service centers at all levels.

In case of death of a health insurance participant, his/her relatives will make a declaration. After the Social Insurance Agency receives it, the settlement result will be sent to the participant.

Order of subjects participating in health insurance

According to the 2014 revised Law on Health Insurance, in case a person simultaneously belongs to many different health insurance participants, he/she shall pay health insurance according to the first participant that he/she is identified in the following order:

1. Group contributed by employees and employers

2. Group paid by social insurance organization

3. Group funded by the state budget

4. Groups supported by the state budget for contribution level

5. Group participating in family health insurance

Source: https://thanhnien.vn/3-truong-hop-duoc-hoan-tra-tien-bhyt-185250408141948568.htm