How will pension, social insurance benefits, and health insurance contributions change from July 1, 2024?

From July 1, 2024, the basic salary of VND 2,340,000/month according to Decree No. 73/2024/ND-CP of the Government will be applied, the family health insurance (HI) contribution will be adjusted to increase accordingly and the benefits of the insured will also increase. At the same time, pensions, social insurance (SI) benefits and monthly allowances will also be adjusted to increase according to Decree No. 75/2024/ND-CP of the Government.

To clarify this issue, Hau Giang Newspaper reporter had an interview with Ms. Nguyen Thi Thanh Xuan (photo), Director of the Provincial Social Insurance.

According to Decree No. 73/2024/ND-CP dated June 30, 2024 of the Government , from July 1, 2024, the new basic salary of VND 2,340,000 will be applied. So how will the family health insurance participation level change, madam?

- According to the current Law on Health Insurance, the health insurance contribution rate is 4.5% of the basic salary, so when applying the new basic salary of 2,340,000 VND, the family health insurance contribution rate also increases.

Specifically: The first person in the family to participate in family health insurance will pay 4.5% x 2,340,000 VND x 12 months (equivalent to 1,263,600 VND/person/year), an increase of 291,600 VND/person/12 months; equivalent to an increase of 72,900 VND/3 months; an increase of about 24,000 VND per month; an increase of 810 VND per day;

The second, third, and fourth person in the same household pay 70%, 60%, and 50% of the first person's premium, respectively; from the fifth person onwards, the premium is 40% of the first person's premium. People participating in family health insurance can participate for 3 months, 6 months, or 12 months.

Madam, along with the increase in contribution level, the level of family health insurance benefits will also increase. Could you please provide specific information on this issue?

- Along with the increase in the family health insurance contribution rate, the standards used as the basis for enjoying health insurance benefits when going to see a doctor or receiving treatment are also adjusted to increase according to the basic salary level, as follows:

For family health insurance participants, according to the regulations on the benefit level, they will receive 80% of the health insurance treatment costs and must co-pay 20%; however, when going for outpatient examination at all treatment levels, if the total cost of one outpatient examination and treatment does not exceed 15% of the basic salary, they will not have to co-pay 20%; with the old basic salary, this rate is 270,000 VND; with the new basic salary from July 1, 2024, this rate is 351,000 VND, an increase of 81,000 VND for one outpatient visit. According to data from the provincial Social Insurance, over 80% of medical examinations in the province will not have to co-pay 20%.

The Health Insurance Fund pays the total cost of medical supplies for one use of technical services not exceeding 45 months of basic salary, with the old salary, this rate is 81 million VND; with the new basic salary is 105.3 million VND, an increase of more than 24 million VND; effective support in cases of bone and joint surgery, cardiovascular surgery, stent placement, etc.

The family health insurance contribution level is adjusted according to the basic salary of 2,340,000 VND/month, accordingly the benefits of health insurance participants are also greatly increased.

It is known that in addition to the state budget, the provincial budget also supports health insurance premiums for people in difficult circumstances to participate in health insurance. So what are the support regulations, madam?

- In addition to people with meritorious services, children under 6 years old, poor people, and near-poor people who have been supported by the central budget and the provincial budget to issue free health insurance cards; people in difficult circumstances in households doing agriculture, forestry, and fishery with an average living standard, in addition to receiving support from the central budget to support 30% of the health insurance premium, are also supported by the provincial budget to pay additional health insurance premiums according to Resolution No. 10/2022/NQ-HDND dated July 6, 2022 of the Provincial People's Council such as the elderly from 60 years old to under 80 years old, students, and people with chronic diseases in households doing agriculture, forestry, and fishery with an average living standard.

Could you please give us specific information about the issue of increasing monthly pension and social insurance benefits from July 1, 2024 according to Decree No. 75/2024/ND-CP of the Government?

- On June 30, 2024, the Government issued Decree No. 75/2024/ND-CP adjusting pensions, social insurance benefits and monthly allowances. Accordingly, from July 1, 2024, the current pension and social insurance benefits will be adjusted up by 15% (based on the June 2024 benefit level). For pensioners before 1995, after adjustment, if the benefit level is lower than VND 3,200,000/month, the adjustment will increase by VND 300,000/month, if the benefit level is from VND 3,200,000/month to less than VND 3,500,000/month, the adjustment will be equal to VND 3,500,000/month.

Since 1995, the State has adjusted pension increases 23 times, the pension increase of 15% compared to the pension level in June 2024 is the highest increase in recent years for all pensioners who are cadres, civil servants, workers, employees, including voluntary social insurance participants. This increase demonstrates the special attention of the Party and State to those receiving monthly pensions and social insurance benefits, ensuring reasonableness, harmony, and sharing between those paying social insurance and those receiving monthly pensions and social insurance benefits, between the State and non-State sectors, and between generations participating in and benefiting from the policy.

Thank you!

Performed by BICH CHAU

Source: https://www.baohaugiang.com.vn/bao-hiem-xa-hoi/muc-huong-luong-huu-tro-cap-bhxh-muc-dong-bhyt-thay-doi-the-nao-tu-ngay-1-7-2024--134063.html