People enjoy a series of new policies when examining for health insurance from July 1st.

One of the highlights of this revised Health Insurance Law is that for the first time, Health Insurance will pay for home medical examination and treatment services and remote medical examinations. This provision includes the cost of medicine, medical supplies and reasonable transportation costs in cases of emergency referral or inpatient treatment.

A series of new policies on health insurance examinations take effect from July 1.

This is a very humane step, especially for the elderly, the chronically ill, the disabled or residents in remote areas far from the center. This will help reduce the burden of travel, creating the most favorable conditions for patients to receive timely and effective care right at their place of residence.

In addition, in order to encourage people to maintain their health insurance cards continuously and responsibly, and at the same time show gratitude to long-term participants, the newly amended health insurance from July 1 stipulates that participants who have participated in health insurance for 5 consecutive years will have the health insurance fund pay all costs (within the scope of benefits) if the co-payment costs in the year exceed 6 times the reference level (14.04 million VND).

A very humane new point is that from July 1, 2025, people with serious or rare diseases will have their medical examination and treatment costs at specialized facilities fully covered by health insurance without having to go through administrative procedures as before. This change helps reduce inconvenience, shorten waiting times, improve treatment efficiency and ensure maximum benefits for patients in the most difficult circumstances.

Previously, many people who had temporarily resided in other places for a long time had to return to their original health insurance registration place to receive proper medical examination and treatment, which was costly and inconvenient. According to regulations, from July 1, people who have declared temporary residence for 30 days or more in the new locality will be able to receive proper medical examination and treatment right at their current place of residence, without having to return to their original registration place. This new regulation is considered suitable for the current reality of people migrating for work, study, and work, while also creating great convenience in accessing timely and appropriate medical services.

The revised health insurance policy has supported more vulnerable groups in society to participate in health insurance. This is a clear demonstration of the humane policy, covering and protecting vulnerable groups, creating conditions for fair access to health care for all people. Accordingly, from July 1, more vulnerable groups in society will be supported to participate in health insurance such as village health workers, non-professional workers in villages and residential groups, folk artists and excellent artists, and victims of human trafficking.

In addition, many groups are granted completely free health insurance cards such as regular militia, people from 70 to 75 years old from near-poor households receiving monthly pensions, people receiving social pensions, workers who have reached retirement age but are not yet eligible for pensions...

In addition to the expansion of benefits, the family health insurance payment policy has also been adjusted more flexibly. Accordingly, the contribution level of each member of the household will gradually decrease according to the number of participants: the second person pays 70% of the first person's contribution level, the third person pays 60%, the fourth person pays 50% and from the fifth person onwards it is only 40%, helping to reduce the financial burden, especially in rural areas and large families.

In addition, it is a new step forward in administrative procedure reform. People only need to declare temporary residence and stay in accordance with regulations and have a citizen identification card to quickly determine their place of residence, receive an electronic health insurance card, and the waiting time for benefits is reduced to 30 days.

The leaders of the Ho Chi Minh City Department of Health said that the health insurance policy system that took effect from July 1 is a breakthrough in terms of scope, subjects, benefits and support mechanisms. All of this shows that health insurance is not only a financial tool but also a sustainable social security "shield", accompanying people in health care.

Source: News and People Newspaper

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