A student in Dak Lak receives examination at an area healthcare facility. Vietnam strives for all students to learn from medical insurance policies
In the primary eight months of 2022, nearly 2.2 million students nationwide who received medical examination and treatment have been paid by the medical insurance agency with a complete amount of nearly VND1,770 billion (US$71,717,069).
Furthermore, the medical insurance agency has paid huge amounts of examination and treatment costs for a lot of students. Specifically, 537 students have undergone 2,535 kinds of medical examination and treatment which costs roughly VND100 million-VND200 million each. Plus, other 190 students received 1,435 medical examinations and coverings price VND200 million -VND500 million each, and the agency covered over VND500 million for 20 insured students undergoing 152 kinds of medical services. Even, many cases whose examination and treatment cost as much as about VND1 billion each were covered by the insurance agency.
For instance, an insured patient in My Thanh Trung Commune within the Mekong Delta Province of Vinh Long’s Tam Binh District received treatment including ventricular septal defect (membrane part), candida sepsis, rheumatic aortic regurgitation (severe 4/4), acute infectious endocarditis and subacute (aortic root abscess) for twenty-four times in 2021 at Ho Chi Minh City-based Cho Ray Hospital, the General Hospital in Vinh Long Province and the General Hospital within the Mekong Delta City of Can Tho. The fee that the medical insurance fund paid for this patient was VND1.18 billion.
Thus far, the Health Insurance Fund has paid for a lot of students with incurable and chronic diseases at a price of as much as billions of Vietnam dong, helping them and their families reduce the burden of medical examination and treatment costs.
Data from the Vietnam Social Insurance show that the coverage of medical insurance for college students has grown steadily through the years with an increasing trend.
In the college yr 2021-2022, about 18.8 million children participated in medical insurance, reaching 96 percent of the whole number of scholars within the country. This shows that folks’ awareness of the advantages and importance of participating in medical insurance for his or her children has been improved. Many parents proactively buy medical insurance even when their children are healthy considering it one of the best strategy to prevent and deal with risks through participation in medical insurance.
In line with regulations, the monthly medical insurance premium payment is the same as 4.5 percent of the essential salary and students receive the support of 30 percent taken from the state budget; so students just pay 70 percent of the insurance cost. In line with this calculation, the complete yr’s payment is VND804,600 but students just pay an actual amount of VND563,220 a yr, the remaining is supported by the State budget.
Along with 30 – percent support from the State budget, many provinces and cities even have additional support policies for the achievement of the goal of one hundred pc students participating in medical insurance in the college yr 2022-2023. For example, the Northern Province of Ha Giang provides additional support of 70 percent for youngsters of ethnic minorities; due to this fact, all children from ethnic minority groups are covered by the insurance agency while the Northern Province of Hung Yen gives support of 30 percent while Dien Bien Province, Son La Province, Ba Ria – Vung Tau Province give 20 percent support respectively. Elsewhere within the country, Kon Tum Province, Tra Vinh Province, and Dong Thap Province give 10 percent support respectively. Dak Lak Province and Tien Giang Province support 5 percent of healthcare insurance costs.