📋 Tender Overview
Currently, the benefits of health insurance participants, although assessed quite comprehensively compared to the premium, are not enough to meet the increasing and diverse needs of the entire population. Implementing supplementary health insurance according to peoples needs is a necessary solution to diversify financial protection mechanisms for people - Photo: VGP/HM Therefore, the policy of implementing supplementary health insurance according to peoples needs is one of the necessary solutions to diversify financial protection mechanisms for people, helping to reduce out-of-pocket expenses and reduce financial pressure for households in medical examination and treatment. Permanent Deputy Minister of Health Vu Manh Ha said that currently Peoples out-of-pocket spending on medical examination and treatment is estimated to still be over 40%. This level is still high as recommended by the World Health Organization. Therefore, the risk of impoverishment due to disease still exists, especially for the poor, disadvantaged groups, people with chronic diseases or long-term treatment. In particular, under the impact of population aging, the financial pressure due to health risks on households is increasing, if we do not have solutions and strong changes in health financial policies. According to Deputy Minister Vu Manh Ha, the implementation of supplementary health insurance according to peoples needs is one of the important solutions in addition to other essential solutions that are being synchronously implemented according to the guidelines and policies of the Party and State. In particular, recently, the Resolution No. 72-NQ-TW of the Politburo dated September 9, 2025 and Directive No. 52-CT/TW dated October 3, 2025 of the Secretariat also identified the task of piloting and diversifying health insurance packages, implementing additional health insurance according to peoples needs as one of the main tasks so that people have full financial protection mechanisms for protecting, caring for and improving peoples health. Currently, the Ministry of Health is developing additional health insurance. Accordingly, universal health insurance is still the foundation, while supplementary health insurance is designed to support and expand benefits, not replacing and not weakening the principle of universal health coverage. Supplemental health insurance is implemented on the basis of people participating in compulsory health insurance and voluntarily participating in supplementary health insurance. Photo: VGP/HMPrinciples for implementing supplementary health insurance According to the orientation of building supplementary health insurance being implemented by the Ministry of Health, supplementary health insurance is implemented on the basis of people participating in compulsory health insurance and voluntarily participating in supplementary health insurance provided by companies and businesses doing health insurance business. The scope of benefits of participants in supplementary health insurance is guaranteed not to overlap with the scope of benefits and benefit level of mandatory health insurance. The State encourages organizations and individuals to purchase and support the purchase of supplementary health insurance for employees. Funds for purchasing additional health insurance for employees are accounted for as business expenses. The State also encourages organizations implementing additional health insurance to operate on the principle of non-profit to meet peoples health care needs. The appraisal of the cost of using additional health insurance services is carried out through an organization with an independent appraisal function or through the appraisal system of the Vietnam social insurance agency. Scope of benefits and fees and payments Costs and dispute resolution for participants in supplementary health insurance are specified in the contract between the participant in supplementary health insurance and the organization implementing the supplementary health insurance. In particular, the Ministry of Health coordinates with the Ministry of Finance to regulate the conditions of supplementary health insurance contracts. Supplementary health insurance packages According to the proposal of the Ministry of Health, supplementary health insurance packages include: supplementary health insurance packages that cover the cost of medical examination and treatment. diseases of health insurance participants; Payment package for the costs of medical services and elective medical services beyond the coverage scope of the social health insurance fund. November 28, 2025 16:06 November 28, 2025 12:36 October 21, 2025 09:00 August 26, 2025 07:00 Health insurance packages for some serious illnesses, diseases with large treatment costs and other additional health insurance packages by agreement between the participant and the health insurance implementing organization The supplement complies with the above implementation principles. Payment of additional health insurance costs to participants is made according to the contract between the participant and the organization implementing the additional health insurance; contract between the medical facility and the organization implementing supplementary health insurance. Revenue from the supplementary health insurance contract and other legal revenue sources is used to pay additional medical costs beyond the scope of payment of the compulsory health insurance fund for participants of supplementary health insurance and other costs under the supplementary health insurance contract according to the provisions of the law on supplementary health insurance and the law on insurance business. Regarding the responsibilities of the agency Management, the Ministry of Health is responsible for regulating the implementation of supplementary health insurance on contents related to the scope of benefits, supplementary health insurance packages and sharing data and information on costs
