Family health insurance contribution level in 2024

How much is the family health insurance premium in 2024? Who will participate in family health insurance? - Reader Thanh Nhi

1. Family health insurance contribution level in 2024

The level of family health insurance contribution is stipulated in Point e, Clause 1, Article 7 of Decree 146/2018/ND-CP, as follows:

- The first person contributes 4.5% of the basic salary;

- The second, third and fourth persons pay 70%, 60% and 50% of the first person's contribution respectively;

- From the fifth person onwards, the contribution is 40% of the first person's contribution.

According to Clause 2, Article 3 of Decree 24/2023/ND-CP, the basic salary is 1,800,000 VND/month.

Thus, the family health insurance contribution level in 2024 is as follows:

Household members	Health insurance contribution rate	Family health insurance contribution level in 2024 (Unit: VND/month)	Family health insurance contribution level in 2024 (Unit: VND/year)
First person	4.5%	81,000	972,000
Second	70% of the first person's contribution	56,700	680,400
Third person	60% of the first person's contribution	48,600	583,200
The fourth person	50% of the first person's contribution	40,500	486,000
The fifth person onwards	40% of the first person's contribution	32,400	388,800

2. Subjects participating in family health insurance

Subjects participating in family health insurance include:

- People whose names are in the same household registered for permanent residence, except for those belonging to the remaining subjects.

- People whose names are in the same household register for temporary residence, except for those belonging to the remaining subjects.

- The following subjects are eligible to participate in family health insurance:

+ Dignitaries, officials, monks;

+ People living in social protection facilities, except for those in the remaining categories who are not supported by the state budget to pay health insurance.

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The remaining groups of subjects participating in family health insurance include:

(1) Group contributed by employees and employers

- Employees working under indefinite-term labor contracts, labor contracts with a term of 3 months or more; managers of enterprises, non-public service units and managers of cooperatives receiving salaries; cadres, civil servants and public employees.

- Non-professional workers in communes, wards and towns according to the provisions of law.

(Article 1 of Decree 146/2018/ND-CP)

(2) Group paid by social insurance agency

- People receiving monthly pension and disability benefits.

- People receiving monthly social insurance benefits due to work-related accidents or occupational diseases; rubber workers receiving monthly benefits according to Government regulations.

- Employees who take leave to receive sick leave benefits due to illness on the List of illnesses requiring long-term treatment issued by the Ministry of Health.

- Retired commune, ward and town officials who are receiving monthly social insurance benefits.

- Employees on maternity leave when giving birth or adopting a child.

- People receiving unemployment benefits.

(Article 2 of Decree 146/2018/ND-CP)

(3) Group funded by the state budget

- Retired commune, ward and town officials who are receiving monthly allowances from the state budget.

- People who have stopped receiving disability benefits are receiving monthly benefits from the state budget.

- People with revolutionary contributions as prescribed in the Ordinance on preferential treatment for people with revolutionary contributions.

- Veteran

- People participating in the resistance war and defending the Fatherland

- Incumbent National Assembly deputies and People's Council deputies at all levels.

- Children under 6 years old.

- People eligible for monthly social security benefits according to the law on the elderly, the disabled, and social security beneficiaries.

- People from poor households; ethnic minorities living in areas with difficult socio-economic conditions; people living in areas with particularly difficult socio-economic conditions; people living in island communes, island districts and some other subjects

- People awarded the title of People's Artist or Meritorious Artist belong to households with an average monthly income per capita lower than the basic salary as prescribed by the Government.

- Relatives of martyrs include: biological father; biological mother; wife or husband, children of martyrs; people who have contributed to raising martyrs;

- Relatives of people with meritorious services, except relatives of martyrs.

- Relatives of officers, professional soldiers, non-commissioned officers, soldiers on active duty, professional officers, non-commissioned officers, and specialized and technical officers and non-commissioned officers working in the people's police force, people's police students, non-commissioned officers, people working in cryptography who receive salaries as soldiers, cryptography students are entitled to the same regimes and policies as those for students at military and police schools.

- People who have donated human organs according to the law on organ donation and transplantation.

- Foreigners studying in Vietnam are granted scholarships from the Vietnamese State budget.

- People serving people with revolutionary contributions living in the family, including:

+ Person serving Vietnamese Heroic Mothers;

+ People serving war invalids and sick soldiers with reduced working capacity of 81% or more;

+ People serving resistance fighters infected with toxic chemicals with a working capacity reduction of 81% or more.

- People aged 80 or older who are receiving monthly pension benefits according to the provisions of the law on social insurance.

- The wife or husband of a martyr who marries another person is receiving a monthly allowance according to the provisions of Point a, Clause 10, Article 16 of the Ordinance on preferential treatment for people with revolutionary contributions.

- People serving meritorious people living in the family, including:

+ Person serving Vietnamese Heroic Mothers;

+ People serving war invalids, including type B war invalids recognized before December 31, 1993, people enjoying policies like war invalids, sick soldiers, resistance fighters infected with toxic chemicals with a body injury rate of 81% or more.

(See details of this group of subjects in Article 3 of Decree 146/2018/ND-CP, amended and supplemented by Decree 131/2021/ND-CP)

(4) Groups supported by the state budget for contribution level

- People belonging to near-poor households according to the near-poor criteria prescribed by the Government and the Prime Minister.

- People in multidimensional poor households who do not fall under the cases specified in Point a, Clause 9, Article 3, Decree 146/2018/ND-CP.

Students.

- People in households working in agriculture, forestry, fishery and salt production with an average living standard according to regulations of the Government and the Prime Minister.

(Article 4 of Decree 146/2018/ND-CP)

(5) Group paid by employer

- Relatives of defense workers and civil servants serving in the Army, including subjects specified in points a, b and c, Clause 13, Article 3 of Decree 146/2018/ND-CP.

- Relatives of police officers serving in the People's Public Security, including subjects specified in points a, b and c, Clause 13, Article 3 of Decree 146/2018/ND-CP.

- Relatives of people working in other key organizations, including subjects specified in points a, b and c, Clause 13, Article 3 of Decree 146/2018/ND-CP.

(Article 6 of Decree 146/2018/ND-CP)

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