What is the health insurance support level for students in the new school year?

bảo hiểm y tế - Ảnh 1. — Health insurance support level for students increased from 30% to 50% - Photo: TTO

Health insurance support level increased by 20%

According to Decree 188/2025 of the Government detailing and guiding the implementation of a number of articles of the Law on Health Insurance (HI), from July 1, 2025, the level of support for health insurance contributions for students will be increased from 30% to at least 50%.

This policy not only helps reduce the financial burden for families with children studying, but also contributes to increasing the health insurance coverage rate among the young population, expanding access to health services, and gradually realizing the goal of universal health insurance coverage.

According to current regulations, the monthly health insurance contribution for students is calculated at 4.5% of the basic salary.

Currently, the basic salary is 2,340,000 VND/month (according to Decree No. 73/2024 of the Government).

Thus, the health insurance premium for a student in one year is: 4.5% × 2,340,000 × 12 months = 1,263,600 VND/year.

With the new minimum support level of 50% from the state budget, students only have to pay a maximum of 631,800 VND/year. Compared to the previous payment level, students get an additional reduction of 252,720 VND/year.

Students can choose the following methods of paying health insurance:

Pay annually (12 months): 631,800 VND/year.

Pay for 6 months: 52,650 VND/month × 6 months = 315,900 VND.

Pay for 3 months: 52,650 VND/month × 3 months = 157,950 VND.

In addition to the 50% state budget support, some provinces and cities use their provincial budget to support additional health insurance premiums for students. Parents can monitor the support level on the provincial portal, ensuring their rights when participating in health insurance.

The new health insurance premium for students under the 2024 Health Insurance Law is assessed to be suitable for the affordability of many families, while still ensuring full health care benefits for students in accordance with regulations.

In addition, from the 2025-2026 school year, health insurance premiums for students will be collected according to the fiscal year, meaning that health insurance cards issued annually to students are valid from January 1 of the current year to December 31; in some special cases, health insurance cards have specific usage values as follows:

- For first graders: valid from October 1, 2025.

- For 12th grade students: The card will be valid until September 30 of that school year.

Look up the validity period of health insurance card

Students and parents can look up the expiration date of their health insurance card in the following ways:

- Install and use the application "VssID - Digital Social Insurance" to track and update information on health insurance contributions and benefits, and the validity period of the health insurance card.

- Access the Vietnam Social Security Electronic Information Portal.

- Call the Vietnam Social Security Hotline 1900.9068 for advice and support.

Regarding the place of initial medical examination and treatment registration and procedures for health insurance examination and treatment, students can register for initial medical examination and treatment at a commune-level medical facility or equivalent and have the right to change this registration place at the beginning of each quarter.

When going to see a doctor under health insurance, you must present one of the following documents: a valid health insurance card or an image of the health insurance card on the VssID application - Digital Social Insurance and a photo ID. A citizen identification card with a chip or an electronic VNeID application that has integrated health insurance card information.

Choose to pay health insurance for 3, 6 or 12 months

For health insurance payment, students or parents, guardians are responsible for paying their part of the fee to the social insurance agency, can choose to pay periodically every 3 months, 6 months or 12 months. Usually, they will pay to the school where their children study.

WILLOW

Source: https://tuoitre.vn/muc-ho-tro-bao-hiem-y-te-hoc-sinh-sinh-vien-nam-hoc-moi-ra-sao-20250825094622521.htm