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Health Insurance Law will become valid from October 1, 2009 Posted Date: 10/10/2009
From October 1, 2009 on, Law of Health Insurance will be officially put into practice all over the country. In comparison with the existing Health Insurance Policies, this new Law has a lot of revisions in which liabilities and interests of the beneficiaries have been adjusted. In Dong Nai, on September 26, the provincial Health Department held a Conference on the realization of the Health Insurance Law. HTML clipboardAccording to the current regulations, Health Insurance Law is brought into
effect from October 1. In essence, the law still retains the participants’
benefits. However, it has one new noticeable thing that is the application of
co-payment for medical treatment and examination fees at various rates depending
on different areas, hospital ranks and groups of people. Specifically, the
Health Insurance Fund will pay 95% of the medical treatment and examination fees
for those who are now living upon their pension, allowances for loss of labor
health, and monthly social sponsoring allowances. It is also applied to those
who belong to poor households or who are ethnic minorities currently living in
areas of poor and difficult socio-economic conditions. In the meanwhile, the
patients will pay the rest 5%. The Health Insurance Fund will pay 80% of the
fees for other groups of patients while they have to pay 20%. In cases of using
hi-tech equipment which costs a lot more, the aforementioned rates will be
applied provided that the percentage doesn’t exceed the amount of 40-month basic
salary for one-time use of such a service.
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Patients are waiting
for their turns to be examined in Thong Nhat Regional Hospital.
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Besides, children under 6, people taking credit for contributing their blood,
sweat and tears to the country, and some from the people’s police force that are
examined and treated in a commune hospital with a cost of under 15% basic salary
(under VND100,000), the Health Insurance Fund will pay off 100%. That is the
case of examination and treatment in accordance with the regulations given by
Health Insurance Law. For cases of examination and treatment in wrong places at
first sight or in wrong technical and specialized lines (except for
emergencies), the Health Insurance Fund will apply three following rates: 79%
for cases examined in third-rank medical agencies, 50% in second-rank and 30% in
first-rank or special rank. The payment rate mustn’t exceed the amount of
40-month basic salary for one-time use of costly hi-tech service. From October
1, the health insurance will have its rate increasing at 1.5, from 3% to 4.5% of
the level of salary, pay, pension, monthly allowance for loss of labor health or
basic salary level. In particular, students and pupils have to pay health
insurance at a rate of 3% of the basic salary level.
Reported by Ha Giang, Translated by TV
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