Family health insurance: Community responsibility, risk sharing

Not only that, people participating in family health insurance also receive many practical values and benefits.

Aiming at universal health insurance coverage, the State has subsidized the health insurance premium for members of the same household. Accordingly, the more members in a family participate, the lower the health insurance premium.

Specifically, the first person participating in health insurance will pay 105,300 VND/month (equivalent to 1,263,600 VND/year); the second person will pay 70% of the first person's contribution which is 73,710 VND/month (884,520 VND/year); the third person will pay 60% of the first person's contribution which is 63,180 VND/month (758,160 VND/year); the fourth person will pay 50% of the first person's contribution which is 52,650 VND/month (631,800 VND/year); the fifth person and beyond will only have to pay 40% of the first person's contribution which is 42,120 VND/month (505,440 VND/year).

Ea Drong commune residents learn about family health insurance policies.

In addition, the regulation on participating in family health insurance does not require the whole household to pay at the same time, but can buy multiple times during the fiscal year and still receive a discount from the second member onwards. Participants can choose to pay periodically every 3 months, 6 months or 12 months, helping to reduce the burden of participating in health insurance for many disadvantaged households.

For many years, Ms. Chan Thi Thuong's family (village 6, Dang Kang commune) has participated in health insurance for all family members. In addition to a small child who is studying and participating in student health insurance, the remaining 5 members of the family participate in family health insurance. Ms. Thuong shared: "Participating in health insurance is not only to protect yourself but also to reduce the economic burden on the family in case of illness or accident. Therefore, every year I save money to buy health insurance for all family members. By participating as a family, each member has an average of about 800,000 VND/year. If you get sick, the health insurance will cover it, otherwise it will be shared with the community."

It can be seen that the family health insurance policy has brought great benefits to participants, and at the same time, it has gradually implemented the goal of the community sharing risks with the sick, the lowest level is that members of the same family share with each other, the highest level is implementing universal health insurance. This is considered a form of savings "contribute when healthy - save when sick", to reduce the economic burden when you or a family member is sick.

To raise people's awareness of the meaning and practical benefits of participating in health insurance and support mechanisms for family health insurance participants, the provincial Social Insurance has proactively coordinated with all levels, sectors and localities to promote propaganda work in many rich and diverse forms. Accordingly, every year, based on the targets assigned by the Provincial People's Committee to each locality, the Social Insurance at the grassroots level has proactively advised the People's Committees of communes and wards to deploy many solutions to develop family health insurance participants in accordance with the characteristics of the local situation and assigned targets to each locality...

People have health insurance examination at Dak Lak Eye Hospital.

With many synchronous solutions, the rate of people participating in household health insurance in the province has increased over the years. If in 2015, the whole province only had over 1.3 million people participating in health insurance, accounting for nearly 75.7% of the province's population, by the end of August 2025, there were 2,570,682 people participating in health insurance, reaching a coverage rate of 90.3% of the population.

Source: https://baodaklak.vn/xa-hoi/202510/bao-hiem-y-te-ho-gia-dinh-cong-dong-trach-nhiem-se-chia-rui-ro-6a00ab5/