VssID application can replace health insurance cards, social insurance books Vietnam Social Insurance has actively brought utilities, payment information, benefits to social insurance and health insurance (HI), towards integration, provision of public services, online payment services. application on mobile devices. This is a step in line with the current trend of digital transformation, building a digital government and a digital nation. It is known that Vietnam Social Insurance is an agency for 4 consecutive years, from 2017 to 2020, holding the 2nd position in the application of Information Technology (IT) in Government agencies (According to the ICT Index compiled by the Ministry of Finance). Ministry of Information and Communications annual assessment report). The deployment of VssID – Digital Social Insurance application on the smartphone system is considered one of the key tasks to bring more convenience to people and businesses when they register to use it. VssID application was developed rapidly and has been widely promoted for everyone to install on smartphones. From June 1, 2021, health insurance participants can use photos on VssID for medical examination and treatment. Mr. HHH, an IT expert of a securities company, was one of those who installed the VssID application. “During this transition period, I find it acceptable, the best thing is that my health insurance card is damaged and I don’t have to apply for a new one. I updated the 2 kids in less than 10 minutes to activate. But not everyone has such an easy experience. Mr. D.TT (Hanoi) shared: “Because the application allows to register a phone number without OTP authentication, when I registered, it turned out that my phone number was registered by a person in Ha Tinh. Had to call a few times there to change it back, it took a few days. The call center has run out of words. Called dozens of times, no one picked up the phone. And Ms. D.T (HCMC) said: “It took me nearly a dozen times to register, fortunately I didn’t have to call the switchboard.” “In response to the social insurance campaign, I installed VssID last month. In general, the interface of the VssID app is also quite normal, if not bad,” commented Anh VHA (Hanoi). “I just tried to check on June 1, I found it incredibly boring, far behind the online sales apps. But more importantly, when viewing information, it is extremely slow due to having to download data” – Ms. NTTH (HCMC) shared a screenshot showing that it takes 3 to 5 minutes to log in to the system. But according to those who have tried installing the app, the worst experience is in the customer support. Call center 1900.9068 called dozens of times, no one picked up the phone, emailed no response, and the chatbot was ineffective. Customers when using a product or service that have problems, they will be very disappointed and angry when there is no support. While social insurance provides 3 support channels, none of them work effectively. This is an issue to be aware of in the provision of public services. When looking up information about the insurance premium period, some people find that the application does not fully show their insurance period. “Last month, when I looked up my social insurance payment information, I only looked up the latest 3 months’ social insurance payment information. This month, the VssID app is updated, the information is more complete, showing 19 years of premium payment, but still missing my 4-year period. It can be said that the database of social insurance is problematic, not really synchronized. The IT infrastructure of Vietnam Social Security seems to be still not commensurate with the tasks and responsibilities,” said one user. In addition, the problem that many people wonder about is the possibility of personal data leakage. Mr. MT, an IT expert of IBM commented: “VssID is very convenient to have the name and year of birth to find out the social insurance number and some other information. But if not clever, hackers can steal the entire database.” As a Digital Transformation expert and monitoring the “Vietnam ICT Index Readiness for Application and Development” (Vietnam ICT Index), I realize that besides the commendable efforts, digital transformation of Social Security There are still many problems to fix. In the effort to build e-Government in ministries and branches, one of the important goals is to bring 100% of public services to the online environment, to smart mobile devices. I think, ministries and sectors should pay attention to service quality instead of following 100% quantity. Hopefully, Social Security will quickly overcome the disadvantages of the VssID application as well as carefully review its industry’s Digital Transformation plan to better serve the legitimate needs of the insured.

To install the VssID application, on March 23, the Vietnam Social Security Administration issued Official Letter 702/BHXH-CNTT guiding the registration of electronic transactions with the social insurance agency for individuals under 18 years old who do not have an ID card/CCCD. According to the guiding document, the installation of VssID application will be done in the following steps. Step 1: Visit the Public Service Portal of Vietnam Social Insurance at: https://dichvucong.baohiemxahoi.gov.vn. Step 2: On the home screen, select “Login” to display the public service portal login screen. Home screen Step 3: Select “Personal” and log in information. On the login screen, select “Personal”, enter “Username” (the username is the social insurance number of the registered parent or guardian), “Password” and “Check code” after Then select “Login”. On the login screen, select “Personal” Step 4: After successfully logging in, go to the account information section, select the function: “Register for children” to perform. Screen after successful login Step 5 : Declare information for individuals under 18 years old. The child’s social insurance number is the last 10 digits of the child’s health insurance card number. Child registration selection screen Step 6 : Select “Select” to display the list of social insurance agencies and select the receiving social insurance agency. Select the social insurance agency to receive the registration application Step 7 : Select “Recognize” so that the system automatically outputs a pdf file according to the declaration form and sends the information to the receiving Social Insurance Agency. After the system receives the registration declaration, it will automatically send a notification message to the individual’s phone number. Screen to open registration form file file Step 8: Go to the nearest social insurance agency to complete the registration of electronic transactions with the social insurance agency. Note: Parents bring the child’s birth certificate, ID card/CCCD/passport to the nearest social insurance agency or the Vietnam Social Insurance Customer Care and Support Service Center to complete the registration process. Look up the address of the nearest Social Insurance agency at https://baohiemxahoi.gov.vn/tracuu/Pages/tra-cuu-co-quan-bao-hiem.aspx or look it up on the VssID app. Parents are not required to print the declaration form when coming to the social insurance agency to complete the procedure, instead just provide the case number or the social insurance number in the message sent by the Vietnam social insurance agency after submitting the application. successful registration. People go to any social insurance agency to complete the registration procedure. To assist parents in creating a VssID account for their child, parents can send the registration form to the school for the school to assist in completing the registration of electronic transactions with the social insurance agency.

The installation of VssID – digital social insurance application helps employees closely monitor the process of paying – enjoying policies. The authorities have requested the Board of Directors of Hung Hau Agriculture Joint Stock Company to overcome the debt payment for social insurance, health insurance and unemployment insurance. By May 20, Hung Hau Agriculture Joint Stock Company had fully paid more than 2 billion VND of social insurance, health insurance and unemployment insurance debts for employees. From this incident, the Vietnam Social Security urged people and employees to actively install the VssID application to be able to monitor and supervise the process of participating and benefiting from the policy. In order to improve the efficiency of serving people and employees, Vietnam Social Security has just released an upgraded version of VssID application version 1.5.3 on the AppStore and Google Play app stores. The upgraded version allows users to register for electronic transactions with the social insurance agency on the VssID application and through the Public Service Portal (previously only through the Public Service Portal); integrate additional features to support lookup, scan QR codes of social insurance cards, citizen identification cards to automatically fill in the necessary information, instead of manually entering in the account registration information. In addition, the VssID version 1.5.3 application also adds the option to send the declaration Email, the “Invite VssID installation” utility, making it more convenient for users to register to use the account and invite you Friends and relatives use the application together. In particular, the new version of VssID application has added the online public service “Re-issuance of social insurance books without changing information” for individuals, bringing the total number of online public services provided on this application up. 4 services. Previously, 3 public services provided on VssID application were re-issuance of health insurance cards due to damage or loss; relocate to enjoy pensions and social insurance benefits; change the form of receipt or information of beneficiaries of social insurance. With obvious utilities, after 6 months of being put into use (from the end of November 2020 until now), the VssID – digital social insurance application has attracted more than 6.44 million downloads, installations, and registrations. Thereby, more than 5.6 million valid applications were approved, reaching 22.18% of the assigned target in 2021.

Recently, many people participating in social insurance and health insurance (health insurance) have installed and used the VssID application to check and monitor their participation in social insurance and health insurance. PLO Also, some readers have received questions about how to install and use the VssID application on smartphones. User is installing VssID application. Photo: HUUYNH TRUONG GIANG How to install the VssID application According to the Ho Chi Minh City Social Insurance Agency, before installing the application, the insured needs to prepare information to declare such as ID card or CCCD, social insurance number or health insurance card code (the last 10 digits on the health insurance card). Then download the VssID application to your phone. For Android operating system: Go to Google Play icon / Play Store. For iOS: AndApp Store icon. Type in the search box for the keyword “VssID” and select Search. There are four steps to signing up for an account. The user enters the VssID icon on the mobile phone screen and performs the following steps: Step 1: Click “Register Now” and select “Continue” to display the registration screen. Step 2: Select the object for registration “Personal” and then click “Next”. Step 3: Declare the information of transaction registration with the social insurance agency electronically on the Declaration form. It should be noted, users must write the correct phone number to confirm registration information and OTP code. Users should choose the nearest social insurance agency to submit electronic transaction registration documents. Then click “Record” to complete the registration. Step 4: Bring your ID card / CCCD card to the nearest social insurance agency for personal electronic transaction account approval. The system will send SMS (account, password) to the registered phone number. User can change password after first login. How to use the VssID application To use the VssID di5ng application, users do two steps: Step 1 : Enter the account (social insurance code) and password (previously sent to the registered phone number) into the corresponding boxes to log into the application. Step 2 : After logging into the VssID application, users enter the Personal management function to display the user’s information such as: social insurance number, full name, date of birth, ID / CCCD / Passport, phone number phone calls, health insurance card functions, insurance participation process, information on entitlement to social insurance benefits, …

Please ask, if I want to renew my health insurance card to continue using the health insurance when I go for medical examination and treatment, where do I go? You read Thanh An (HCMC) Ho Chi Minh City Social Insurance Agency Answer: To renew the household health insurance card, the participants of health insurance only need to go to the social insurance collection agent, health insurance or the nearest social insurance agency to provide the old health insurance card code and pay the premium. If the insured cannot go directly to the social insurance collection agents, you can pay for the online health insurance renewal. Currently, Vietnam Social Security has cooperated with Bank for Investment and Development of Vietnam (BIDV) to deploy online payment services. The payment method for health insurance is implemented on the mobile device software and on the website of BIDV. Once the payment is completed, the health insurance card will be automatically renewed. Then, Vietnam Social Security will send a result message to the participant’s phone number. After performing the above-mentioned transactions, to check the results of the health insurance card renewal, participants can search by themselves by the following methods: – Access to the website of Vietnam Social Insurance at: https://baohiemxahoi.gov.vn/tracuu/pages/tra-cuu-thoi-han-su-dung-the-bhyt.aspx – Text message by syntax: BH THE “ID card of health insurance card” to 8079; – Call the customer care switchboard 1900.9068 of Vietnam Social Insurance for instructions.

The staff of the Center for Customer Care of Vietnam Social Insurance and Ho Chi Minh City Social Insurance instructed participants to install the application. Photo: Nguyen Vinh Speaking at the conference, Ms. Duong Ngoc Anh, Deputy Director of Customer Service Center, Vietnam Social Insurance, said that on November 16, 2020, Vietnam Social Security officially announced the VSSID application – Digital social insurance, an application on a mobile device platform, helps participants of social insurance, health insurance (health insurance) and unemployment insurance (UI) access information, perform public services, step by step. is currently replacing paper social insurance books and health insurance cards. After 4 months of being put into use, Vietnam Social Security has continuously upgraded its applications, added utilities, and enhanced user experience such as: Adjusting the function of using health insurance cards on the application; online public service integration; connecting notification system on VSSID application with SMS system, increasing interaction between application users with the social insurance agency. In the near future, the application will be used optionally in 5 languages ​​(Vietnamese, English, Korean, Chinese, Japanese), meeting the increasingly deep international integration in the field of welfare. society. At the conference, representatives of the Center for Information Technology and Social Security of Vietnam gave basic information about the features and utilities of the VSSID application such as: Personal management – Health insurance card, participation process, benefit information. and manage medical examination and treatment books; online public services; online search; information about the policy; reflections, recommendations … These information were discussed actively by delegates attending the conference, many questions were promptly and fully answered by the Vietnam Social Security. After more than 4 months of implementation, the country has over 1.7 million downloads, installation and use of VssID application. At the beginning of implementation, the application was only evaluated with an average score of 1.6 / 5 points (maximum score is 5 points) on 2 application stores. Up to now, after more than 4 months of implementation, with efforts to add gadgets, improve user experience, the average score of the application achieved on Google Play is 4.2 / 5 points, on AppStore is 3.6 / 5 points. Thereby, users are gradually satisfied with the quality, features and utilities provided by the Vietnam Social Security on the application. Overview of the conference. Photo: Nguyen Vinh In addition to positive reviews for the application, through monitoring and operating the application, Vietnam Social Security has also received comments and feedback from units across the industry, directly from users ( on the application stores), via social networks and from media agencies, the press with the expectation that the application is increasingly complete, modern and user-friendly, to meet the practical needs of participants, enjoy the regimes and policies of social insurance, health insurance and unemployment insurance. Easy to install and use the digital social insurance app with your smartphone. Photo: Nguyen Vinh In order to provide more features and services for people on VssID application more and more, in the coming time, continue to build and issue regulations on management and operation of VssID; reviewing and perfecting features and interfaces to improve user experience. At the same time, integrating facilities such as: calculating voluntary social insurance, health insurance by household, student health insurance; calculate the rate of pension and social insurance benefit when the participant is eligible for benefit; add features and utilities to remind medicine schedule, remind periodic medical examination and treatment schedule … With the VssID – Digital Social Insurance application, participants of social insurance, health insurance and unemployment insurance can grasp the process of participating and enjoying policies, and at the same time self-monitor and protect their welfare benefits right on their devices. smartphone.

After performing the above transactions, to check the results of the health insurance card renewal, the participants can search by themselves by the following methods: Access to the website of Vietnam Social Insurance at the address: https : //baohiemxahoi.gov.vn/tracuu/pages/tra-cuu-thoi-han-su-dung-the-bhyt.aspx; send SMS with the syntax: BH THE “ID card of health insurance card” to 8079; Call the customer care switchboard 1900.9068 of Vietnam Social Insurance for instructions.

The Vietnam Social Security Agency informed that, over the past time, due to the prolonged effect of Covid-19, many employees (employees) quit their jobs and lost their jobs, so they chose to receive social insurance once. According to the statistics of Vietnam Social Security, only in the first 3 months of 2021, the number of people enjoying one-time social insurance up to more than 226,500 people, an increase of more than 20.5% over the same period in 2020.

Many employees enjoy one-time social insurance with the desire to have an amount of money to cover their current lives. At the same time, a part of the employees still have the concept of “young depend on their father, old and trust their children”, not forming a habit when children pay social insurance so that when they get old, they can have a pension and control their own life. must depend on descendants.

The fact that an employee registers to receive social insurance once, leaves the social insurance system by himself is a worrying situation, not only directly affects the interests of employees, but also affects the socio-economic situation, as well. such as ensuring social security for the people of the Party and State.

The Vietnam Social Insurance Agency affirmed: Receiving the one-time social insurance only gives employees immediate benefits, but the employees have not fully foreseen the risks of losing many of their long-term benefits.

firstAccording to the current law, the total social insurance contribution to the retirement and survivorship fund is 22% of the monthly salary as a basis for the employee’s social insurance payment. In which, the employee pays 8% and the employer pays 14%, the total annual contribution to the social insurance fund. This specific ratio is equal to 2.64 month salary per year.

Meanwhile, if the employee is entitled to one-time social insurance, the annual entitlement rate of social insurance payment is only 1.5 months of the average monthly salary paid for social insurance for the years of payment before 2014 and equal to 2 months of the average monthly salary paid for social insurance. for the closed years from 2014 onwards.

Thus, if receiving one-time social insurance, the employee will lose about 1.14 months of salary for each year of social insurance payment before 2014 and about 0.64 months of salary for each year of social insurance payment after 2014.

Monday, When receiving one-time social insurance, employees will no longer have the opportunity to enjoy their pension, have no stable monthly income to ensure their life in old age. This is a very dangerous thing and leads to other disadvantaged consequences such as: not being granted a free health insurance card to enjoy the benefits of medical examination and treatment with health insurance, health care in old age, an age prone to difficulties. health assessment of each person. Because pensioners will be provided with free health insurance cards during the period of pension entitlement.

Moreover, the employee’s relatives are not entitled to the death benefit when the employee’s unfortunate death. Because if enjoying the pension, when unfortunately dies, the person who takes care of the funeral will receive a one-time funeral allowance equal to 10 times the base salary in the month the pensioner dies and their relatives are entitled to the death allowance. survivor monthly or once.

Ho Chi Minh City social insurance officials mobilize people to participate in social insurance to have a pension when they get old

Tuesday, the money paid to the social insurance fund is a valuable reserve of the employees themselves, it is not lost, but on the contrary, it is managed and invested by the social insurance agency.

In case, with the immediate difficulties (due to job loss, income loss), employees can completely reserve the time to pay social insurance, so that when possible, continue to participate in compulsory social insurance or participate in voluntary social insurance.

Conversely, when the employee has received one-time social insurance, if he / she participates in social insurance again, he / she will not be added to the time of previous social insurance payment, leading to when he is old enough to receive the pension, he / she may not be eligible for the time of payment to receive. pension or pay-period eligibility to receive a pension but the pension rate will not be high.

WednesdayWhen social insurance participants enjoy their pension, the pension level is adjusted periodically according to the consumer price index and economic growth (since 2003, the State has increased the pension by 17 times, with increases from about 7.5% to 9.3% for each adjustment, depending on the target group).

The total monetary benefits when enjoying the pension are much higher than when enjoying one-time social insurance

Sharing the concern about the increase in the number of employees receiving one-time social insurance, Mr. Do Ngoc Tho, Head of the Policy Implementation Department of Social Insurance and Vietnam Social Insurance, affirmed that when an employee receives one-time social insurance, the employee will suffer a lot, because Not yet at retirement age, all old pension money has been spent. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society.

If they unfortunately get sick and do not have a health insurance card, they also face the risk of not being able to pay the cost of medical examination and treatment after just one illness, long hospital stay, possibly facing poverty. hunger and exhaustion become a burden on families and society.

Mr. Do Ngoc Tho analyzed and took an example of an employee who has full 20 years of social insurance payment, with the average salary of 4 million VND / month for social insurance. Assuming this employee is eligible for a pension or a lump-sum social insurance benefit in 2021, if they are entitled to a pension, the male employee may receive a pension of 1.88 million VND / month.

Based on the average life expectancy of men of 71 years (the average life expectancy of men according to the General Statistics Office 2019), the number of months enjoying pension is 129 months. The total amount of money that person is entitled to from the social insurance fund is nearly 274 million dong.

In which, the total pension received from the age of 60 years and 3 months until death is 129 months x 1.88 million dong = nearly 243 million dong; buying health insurance card (4.5%) equaling nearly 11 million dong; a funeral allowance upon death (10 months base salary), equivalent to 14.9 million dong; survivorship allowance (assuming the lowest one-time death equal to 3-month pension) is over 5.6 million dong.

Many workers in Ho Chi Minh City participate in social insurance to have pensions to help control their life in old age

For female employees, because the percentage of female employees to enjoy pensions is higher (55%) and the period of enjoying pensions of women is longer than that of men (the average life expectancy of women is 76.3 years, equivalent to that after retiring at the age of 55 years and 4 months, retirees will live 240 months), so the total amount a female employee in this example will be entitled to from the social insurance fund is nearly 573 million dong.

Meanwhile, assuming that the employee goes abroad to settle down or has a life-threatening illness such as cancer, polio, cirrhosis, leprosy, severe tuberculosis, HIV infection has turned to AIDS and other diseases. according to regulations of the Ministry of Health; If receiving one-time social insurance, for both men and women, they will follow the calculation as follows: 4 million VND x (1.5 x 13 + 2 x 7) = 134 million VND. Thus, men on pension will benefit more than receiving one-time social insurance of nearly 140 million dong.

Thus, if compared with pension entitlement, receiving one-time social insurance is very disadvantageous for the employees. Because, when social insurance participants enjoy their pension, they enjoy a lot of benefits and the fact shows that the new pension is a solid support for employees when they get old, when they no longer have the ability to generate income.

Mr. Do Ngoc Tho also emphasized that receiving social insurance once will bring many disadvantages for employees. Employees should not for immediate benefits but miss the opportunity to enjoy a pension to cover their lives, as well as to enjoy the health insurance regime to take care of their health in old age. If the same time of social insurance payment is paid, the total monetary benefits when enjoying the monthly pension will be much higher than when enjoying one-time social insurance.

Mr. Do Ngoc Tho recommends that employees consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when possible, continue to participate in compulsory social insurance or participate in voluntary social insurance. conditions to self-guarantee and take care of their own health when they get old, and at the end of their working age.

During the period of time reservation of social insurance payment, if unfortunately the employee dies, the family is entitled to a funeral allowance equal to 10 months of base salary and their relatives depending on the conditions for monthly survivorship allowance (up to 4 people ) to adulthood (if the child) or until death (if the wife, husband or father, mother is out of working age and has no income or income but is lower than the base salary); In case of receiving one-time survivorship allowance, the allowance level is calculated as one-time social insurance.

Persons on death pension, if there is a relative who is eligible for the monthly survivorship allowance. In fact, there are fathers, mothers, spouses and children who have received a monthly survivorship allowance several decades after the death of their child, spouse or parent.

Propagandizing about social insurance policies for employees. (Photo: PV / Vietnam +)

Over the past time, due to the long-term effects of COVID-19 epidemic, many employees quit their jobs and lost their jobs, so they chose to receive social insurance once. This means that in the future, these employees will not have monthly income from their retirement pensions to ensure their life and will not be issued with free health insurance cards for care. Health in the old age, age often encounter many health uncertainties.

One-time social insurance recipients increased sharply

According to the statistics of Vietnam Social Insurance, the number of employees taking one-off social insurance leave is on an increasing trend over the years, the 2016-2020 period has an average annual growth rate of about 9%. Worryingly, in the first three months of 2021, the number of employees receiving one-time social insurance continues to increase rapidly.

Only in the first three months of the year, the whole country had 226,503 people receiving one-time social insurance, an increase of more than 20% compared to the same period in 2020. Some localities affected by the COVID-19 epidemic had the number of insured people. Social once increased such as: Khanh Hoa, Quang Nam, Da Nang …

The representative of the Vietnam Social Insurance Agency said that the cause of the above situation was mainly due to the impact of the COVID-19 epidemic, which made businesses difficult, leading to many employees to quit their jobs. Up to now, the employee has stopped working for 12 months, so they should apply for social insurance once with the desire to have a sum of money to cover their current life.

Labor procedures to receive unemployment insurance due to job loss because of COVID-19. (Photo: PV / Vietnam +)

Analysis by the period of time off waiting for pension entitlement shows that in the 2016-2019 period, the one-time social insurance beneficiaries are mainly employees after a year of leave without social insurance payment, on average, accounting for about 97%.

In addition to the difficulty of income, there is still a small proportion of employees still think “children trust their father, old depend on children”, not forming a habit when children pay social insurance so that when they get old they have a salary. retired, not dependent on descendants.

Many disadvantages for employees

The fact that employees register for one-time social insurance, leave the social insurance system by themselves is a worrying situation, not only directly affecting the interests of employees, but also affecting to the socio-economic situation, as well as to ensure social security for the people of the Party and State.

According to the calculation of the social insurance agency, if receiving social insurance once, the employee will lose about 1.14 months of salary for each year of social insurance payment before 2014 and about 0.64 months. salary for each year of social insurance payment after 2014. Not only affecting immediate profit, receiving one-time social insurance makes employees lose their chance to enjoy pension, there is no guarantee for life in old age.

Settlement of insurance benefits for employees. (Artwork: Vietnam +)

Sharing worries about the increase in the number of employees receiving social insurance once in the first 3 months of 2021, Mr. Do Ngoc Tho, Head of the Policy Implementation Department of social insurance (Vietnam Social Insurance) said: “As the organization implementing the policy, we really feel very regretful when the employees choose the plan to receive one-time social insurance instead of choosing to preserve the paid time and wait for conditions to continue participating in social insurance, accumulate to enjoy the pension at the end of the working age. ”

According to Mr. Do Ngoc Tho, when receiving the one-time social insurance, employees will suffer a lot, because they are not old enough to retire, they have spent all their old-age pension. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society.

“If unfortunately sick, no card Health Insurance According to the pension regime, when old workers are still facing the risk of not being able to pay for medical examination and treatment costs after only one illness, long-term hospital stay, they may face poverty. hunger and exhaustion become a burden on families and society, ”said Do Ngoc Tho.

Mr. Bui Sy Loi, Deputy Chairman of the Committee on Social Affairs of the National Assembly emphasized that the status of receiving one-time social insurance makes efforts to mobilize and expand social insurance coverage to face many more difficult.

According to Mr. Bui Sy Loi, employees who receive one-time social insurance means that they leave the system to receive social insurance, self-stripping of the right to participate and enjoy social insurance benefits. especially long-term benefits such as retirement and death. This is an alarming and worrying situation in ensuring rights and policies Social Security long term for employees.

Mr. Do Ngoc Tho suggested that trade unions at all levels should coordinate with the local social insurance to focus on information and communication widely to employees about the superiority and long-term benefits of continuing to participate in insurance. society to workers; It is recommended that employees consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when conditions permit, they should continue to participate in compulsory social insurance or participate. participate in voluntary social insurance, in order to have conditions for self-assurance and health care for themselves in the old age, at the end of working age./.

Statistics of the Vietnam Social Insurance show that in the 2016-2019 period, the one-time social insurance beneficiaries were mainly young workers and concentrated in the non-state sector, the age of the number of people. The most lump-sum leave to enjoy social insurance is from 26-29 years old, and the average age of one-off social insurance entitlement will gradually increase from 32.5 years old in 2016 to 33.3 years old in 2019.

The rate of one-time social insurance benefits for women is higher than that of men, respectively 55.63% for women and 44.37% for men in the 2016-2019 period.

Recently, patient Phan Huu Nghiem (36 years old, living in Vung Liem district, Vinh Long) was discharged from the hospital after 11 years of treatment at Cho Ray Hospital (Ho Chi Minh City) and was covered by the health insurance fund (HI). up to 38.3 billion.

Vietnam Social Insurance Agency (Social Insurance) believes that this is not an uncommon case, because many patients have been covered by the health insurance fund with such a “huge” amount over the past time.

Mr. Phan Huu Nghiem, who had hemophilia, was paid more than 38 billion VND by health insurance for 11 years of treatment, he said goodbye to the doctor to leave the hospital to go home. Photo: HOANG LAN

Tight escape thanks to health insurance

According to the results recorded from the health insurance assessment information system (Vietnam Social Insurance Agency), recently many cases of unfortunate accidents and illness have overcome a difficult period thanks to the health insurance fund to pay for the medical examination and cure.

For example, the patient has the HC49191120XXXXX card code (address at Hon Tre hamlet, Tien Hai commune, Ha Tien city, Kien Giang), who is paid by the employee and the employer.

This patient was treated twice at Cho Ray Hospital (HCMC). Phase 1, 3-month treatment with a total cost of 7.95 billion VND. In which, the biggest expense is the drug expense of 7.80 billion dong, the test fee is 22.91 million dong … The amount proposed to the health insurance fund to pay is 6.36 billion dong.

Phase 2, this patient treated for 10 days, the total cost of treatment is 3.07 billion. In particular, drug costs are up to 3.06 billion … The amount proposed to the health insurance fund to pay is 3.07 billion.

Another case is a patient with card number BT28383222XXXXX (living in An Binh Tay commune, Ba Tri district, Ben Tre), who is paid by the state budget.

This patient also treated two times at Cho Ray Hospital, total treatment cost and proposed payment fund is 5.68 billion. In particular, drug costs were 5.63 billion VND, blood money was 13.4 million VND …

And patients with card number BT28686216XXXXX (living in Trung Trach hamlet, Trung Thanh commune, Vung Liem district, Vinh Long), are subject to the state budget.

This patient has four rounds of treatment at Cho Ray Hospital, the total amount that the health insurance has to pay is more than 8 billion.

88

million people are participating in health insurance nationwide, accounting for 90.85% of the population. In 2020, social insurance has paid health insurance costs for over 167.2 million inpatients and outpatients, an increase of 28.4% compared to 2015.

Do not worry about breaking the fund in the near future

Talking to the reporter, Mr. Pham Luong Son, Deputy General Director of Vietnam Social Insurance, said that the patient’s medical expenses are covered by the health insurance fund up to hundreds of millions of VND, even billions of VND / batch. Value shows that social health insurance is a humane policy, far different from commercial health insurance. This means that employees only pay the percentage of salary (4.5%), but the benefit rate is not limited.

Of course, the patient’s benefit rate also depends on each group of subjects recorded on the health insurance card (with the rate of 80% -100%) and according to the list of drugs, medical supplies … paid by the fund.

Patients with high treatment costs often suffer from blood diseases, cancer … with long treatment periods and have to use expensive drugs.

“This is the interests of the participant and the insurance industry must ensure that right for them …” – Mr. Son affirmed.

Some readers are concerned that in 2019, the price of medical services will increase by 2% -10%, the awareness of health care of the people will be improved, so they go to more medical examination, whether the health insurance fund will be balanced. annual spending?

There is no limit to the insured’s right to search

Mr. Nguyen Trung Quy, Deputy Head of Health Insurance Policy Implementation Department, said that when people come to the medical facility to present all the procedures, the medical facility is responsible for receiving and doing the initial procedures. and organize examination for patients.

On the basis of documents established by the medical examination and treatment facility, the insurance industry will make full payment for the patient. “There are no regulations that limit the people’s right to medical examination and treatment with health insurance. And the responsibility of the insurance industry will determine which case is profitable, which case is not … “- Mr. Quy said.

Answering this question, Mr. Pham Luong Son said that the fund balance problem is always very difficult, painful and challenging not only for Vietnam but also in many countries around the world.

However, Vietnam is somewhat fortunate when the revised Law on Health Insurance 2014 adjusted target groups and introduced incentives to increase the number of people participating. Therefore, up to now, over 90% of the Vietnamese population participate in health insurance.

Besides, in the past, the health insurance fund also had a balance, so in the medium term, the balance fund could be collected and spent.

“However, the annual revenues and expenditures are imbalanced, spending more than revenues. So each year we have to build an estimate, thereby compensating a very large part of the cost, about 10,000-20,000 billion from the residual reserve of the fund to be able to spend … ”- Mr. Son said.

To solve the above problem in the long term, the deputy general director of Vietnam Social Insurance thinks that it is necessary to adjust the health insurance premium. Because at present, people contribute to the fund an average of 30-50 USD / person, while the benefit rate is up to 100-200 USD / person.

“So the proposal to increase the contribution to the health insurance fund has recently received a high consensus from the National Assembly, the Government, and ministries. However, the time, object, how we will calculate accordingly. For example, we increase only for the object that is closing low; for near-poor households, voluntary insurance participants increase moderately to maintain the sustainability of the participants ”- Mr. Pham Luong Son said.