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For the first time in Vietnam, a health insurance product appears designed to supplement health insurance, support the payment of expenses beyond the funds payment scope, contribute to reducing the burden of hospital fees and enhancing financial protection for people. Download Techcom Insurance officially launched Song An Health Insurance product - the first cost-recovery insurance product in Vietnam in parallel with Universal Health Insurance - Photo: VGPSupplemental health insurance, supporting expenses outside of health insurance On July 15, Techcom Non-Life Insurance Joint Stock Company (Techcom Insurance) - a member of the Techcombank ecosystem launched Song An Health Insurance. According to the business, this is the first health insurance product in the non-life insurance market designed according to the model of connection with the universal health insurance system, focusing on paying medical expenses not yet paid by the health insurance fund. With the message Along with health insurance, reducing the burden of medical costs for Vietnamese people, the business expects the product to bring more health protection options and financial support to the people. Evaluation of the meaning of the product product, Ms. Nguyen Lan Huong, Department of Social Insurance and Health Insurance Policy Implementation (Vietnam Social Insurance) said: The launch time is consistent with the context in which the Government is promoting the goal of universal health insurance, ensuring social security in the spirit of Resolution No. 72-NQ/TW of the Politburo on strengthening the protection, care and improvement of peoples health. According to Ms. Nguyen Lan Huong, although health insurance currently covers the majority of peoples health. For basic medical categories, patients, especially those with complicated diseases or high-tech treatments, still have to pay a significant portion of medical examination and treatment costs themselves. Therefore, Song An Health Insurance is designed according to the orientation of Compensating for hospital fees in parallel - Peace of mind about hospital fees, focusing on paying costs that are beyond the scope of health insurance coverage. Unlike many commercial insurance products that cover the entire treatment process at a high fee, this product only offset the costs that participants still have to pay after the health insurance fund has made payments within the scope of benefits according to regulations. Accordingly, the product supports expenses that patients usually have to pay themselves such as service bed fees, brand-name drugs, advanced medical techniques and many other arising costs, especially for the group of dangerous diseases. Representatives of Vietnam Social Insurance said that by 2026, the country will have more than 98 million people participating in health insurance, reaching coverage rate is over 96% of the population. Each year, the Health Insurance Fund pays medical examination and treatment costs for about 195 million people. Currently, Vietnam Social Insurance has signed health insurance examination and treatment contracts with about 3,000 medical facilities, providing services at about 13,000 medical examination and treatment points nationwide, from commune health stations, medical centers to central hospitals. According to Ms. Nguyen Lan Huong, the Health Insurance Fund currently pays for many medical services. from basic to highly technical, including many high-cost drugs and services. However, due to limited funds, health insurance cannot cover all medical examination and treatment costs. In many cases, participants still have to pay co-payments according to regulations. Therefore, Ms. Nguyen Lan Huong said that Song An Health Insurance is the first supplementary health insurance product of its kind in the Vietnamese market. It does not replace the universal health insurance policy but has a complementary role with a supportive financial mechanism, helping people have more options to pay medical expenses and increase financial protection when unfortunately sick or suffering from a serious illness. Management agency representatives also highly appreciated the diversification of medical financial solutions. economy and expand options for people in reducing pressure on treatment costs. Download Mr. Jens Lottner, General Director of Techcombank spoke at the event - Photo: VGPTechcom Insurance aims to develop technology-based health protection solutions. From the perspective of representing the Techcombank ecosystem, Mr. Jens Lottner, General Director of Techcombank, said that recent economic development achievements have contributed to improving the quality of life and changing peoples needs. As income and living standards improve, customer needs not only stop at financial services but also expand to health care and protection. According to Mr. Jens Lottner, with the vision of Transforming the financial industry, enhancing the value of life, Techcombank aims to build an ecosystem that integrates banking, asset management, insurance and health care services in a personalized, customer-centric experience. The launch of Song An Health Insurance is This is an important milestone in Techcom Insurances development strategy, and marks the next step in the development of the Techcombank ecosystem in providing more comprehensive health and financial protection solutions for customers. Mr. Jens Lottner said, with digital infrastructure, data analysis capacity, customer understanding and a network of medical partners, Techcom Insurance expects to bring more personalized, accessible and proactive health protection solutions to customers.According to Mr. Jens Lottner, the combination of finance, health and technology will contribute to forming a new health protection model, aiming to help Vietnamese families be more proactive in health care and financial risk management. Download Mr. Pranav Seth, Chairman of the Board of Directors of Techcom Insurance - Photo:
