Government Decree No. 188 provides detailed regulations and guidance on the implementation of certain provisions of the Health Insurance Law. Effective July 1, 2025, the decree increases the health insurance subsidy for students from 30% to a minimum of 50%.
This policy not only alleviates financial burdens for families with students but also enhances health insurance coverage among the youth population. It expands access to healthcare services, progressively realizing the goal of universal health insurance as directed by the Party and the State.
With a 50% subsidy, how much will students pay for health insurance?
Under current regulations, the monthly health insurance contribution for students is calculated at 4.5% of the base salary.
The current base salary is 2,340,000 VND/month, as stipulated in Decree No. 73/2024/NĐ-CP.
The annual health insurance contribution for a student is: 4.5% × 2,340,000 × 12 months = 1,263,600 VND/year.
With the new minimum 50% subsidy from the state budget, students will pay a maximum of 631,800 VND/year. Compared to the previous contribution, students save an additional 252,720 VND/year.
Students can choose from the following health insurance payment methods:
Annual payment (12 months): 631,800 VND/year.
Six-month payment: 52,650 VND/month × 6 months = 315,900 VND.
Three-month payment: 52,650 VND/month × 3 months = 157,950 VND.
The new student health insurance contribution under the Health Insurance Law is considered affordable for many families while ensuring full healthcare benefits for students as mandated by regulations.
Does Changing Your Health Insurance Registration Location Incur a Fee?
Under current regulations, the Social Insurance Agency handles the issuance, replacement, and adjustment of health insurance cards, free of charge for participants.
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The pharmaceutical industry in the second quarter of 2025 built on the positive momentum from the previous quarter, with many companies reporting impressive double-digit growth. Building on policy advantages, most of the big players in the industry witnessed a significant surge in their performance. However, not all businesses shared this success, as some encountered mixed results.
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## A Surplus of Over $40 Trillion in the Health Insurance Fund: Ministry of Health Proposes Enhanced Benefits for Patients
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As of the end of 2023, the total social health insurance fund surplus amounted to an impressive 40 trillion VND, with an astonishing 33 trillion VND of this surplus being accumulated during the COVID-19 pandemic.
Proposed Addition of Mandatory Health Insurance Coverage for Specific Individuals
As per the proposal from the Ministry of Health, individuals with employment contracts lasting for at least 1 month will be required to contribute to the health insurance scheme, instead of the current requirement of “3 months”.
