“When Can You Get Healthcare Reimbursement Without a Health Insurance Card? Know Your Rights and Benefits.”

Children under 6 years old who do not yet have a Health Insurance Card (in paper,
electronic, or code form) can still receive medical examination and
treatment, and the Health Insurance Fund will cover the costs within the
scope of benefits.

For newborns, the parent or guardian signs the medical record. If the child
has no parent or guardian, the representative of the medical facility
confirms the information in the medical record.

According to Clause 1, Article 54 of Decree 188, which takes effect on
July 1, patients in emergency situations, unconscious, or deceased who
have not presented their health insurance information before discharge
will still have their medical expenses covered if they present the
necessary documents before the end of their treatment.

Clause 2, Article 37 of Decree 188, effective August 15, states that
health insurance participants who are waiting for their card to be
reissued, replaced, or updated must present the following documents
when seeking medical treatment: the receipt for the card application and
a form of personal identification.

Specifically, the accepted forms of personal identification include:
Citizen Identification Card, Citizen Identification Card, Citizen
Identification Certificate, Passport, linked to the VNeID electronic
identification account level 2 or VssID application, or other personal
identification documents issued by competent agencies or a certificate
from the commune-level police.

Individuals with lost, damaged, or incorrect information on their health
insurance card but have not had it corrected

Also, starting July 1, patients who are participants of health insurance
under the management of the Ministry of National Defense or the Ministry
of Public Security and have lost their health insurance card but have
not been reissued, or whose health insurance card information is
incorrect or inconsistent and has not been corrected by the Social
Insurance Agency at the time of discharge, will still have their medical
expenses covered according to regulations.

Health insurance participants who seek medical treatment while their card
is being recalled, temporarily held, or temporarily locked for reasons
beyond their control

From July 1, these cases will be covered for the full cost of medical
examination and treatment within the scope and level of benefits
applicable to their group.

Additionally, individuals whose health insurance premiums are paid by the
state budget but have not yet been issued a card will have their medical
expenses covered within the scope and level of benefits from the date
they are identified as belonging to the state budget-covered group.
This regulation takes effect on July 1.

Clause 4, Article 37 of Decree 188, effective July 1, states that organ
donors without a health insurance card must present their discharge
papers issued by the medical facility (where the organ was removed) and
one form of personal identification. If the donor does not have a
health insurance card but requires immediate treatment after organ
donation, the medical facility and the donor or their guardian must
confirm this information in the medical record.