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OVERVIEW OF COMPULSORY INSURANCE(Social, Health & Unemployment Insurance)
- HR Dept.-
PARTICIPANTS FOR COMPULSORY INSURANCE
Employee:
Vietnamese employee: who signs labor contract with term
from 12 months above.
Foreign employee: who signs labor contract with term
from 12 months above is also subject for health insurance
payment.
Employer: All types of companies: State-owned, private,
foreign companies
BENEFITS OF SOCIAL INSURANCE
SOCIAL INSURANCE
4
Retirement
Death 5
1Sick leave
1Sick leave
11Sick leave
2Pregnancy
leavePregnancy
leave
2Pregnancy
leave
2
3
Labor accidentLabor accidentLabor accident
3
Labor accident
BENEFITS OF SOCIAL INSURANCE
Sick Leave
Individual sickness
Child sickness
Long-term sick leave
Convalescence and health restoration regimes
Pregnancy Leave
Pregnancy leave for medical examinationMaternity leaveor Baby adoption (baby under 4 month old)
Losing pregnancy
Labor Accident
-During the work time, or at the work place, including overtime work required by the employer- Outside the work place while on assignment by the employer- En route to and from place of work and residence
Retirement
Retirement pension
Retirement allowance
01 time SI allowance
Death
Funeral expense
Monthly death allowance for relatives
BENEFITS OF SOCIAL INSURANCE – SICK LEAVETypes of sick
leaveConditions for sick
leave Time limit Payment by SI
Individual sickness
Qualified doctor certificate for sick leave
Maximum 30 working days per year. 75% of SI salary
Child sickness
Qualified doctor certificate for sick leave due to child sickness
- If child under 3 years old: maximum 20 working days per year.- If child under 7 years old: maximum 15 working days per year.
75% of SI salary
Long-term sick leave
Qualified doctor certificate for long-term sick leave
Based on the list of diseases that need long-term treatment
- First 180 days of treatment: 75% of SI salary- Second 180 days of treatment: 45% of SI salary (Percentage is based on the SI attendance duration.
Convalescence and health restoration regimes
Qualified doctor certificate for convalescence and health restoration
- From 5 to 10 days based on the type of diseases.
- 40% of minimum wage of salary per day: Convalescence at hospital- 25% of minimum wage of salary per day: Convalescence at home.
BENEFITS OF SOCIAL INSURANCE – PREGNANCY LEAVE
Types of pregnancy leave
Conditions for pregnancy leave Time limit Payment
by SI
Pregnancy leave for medical examination
- Female employee- Qualified doctor certificate for medical examination
- 05 leave days 100% of SI salary
Maternity leaveor Baby adoption (baby under 4 month old)
- Qualified doctor certificate for birth delivering- Child's birth certificate
- 4 month leave 100% of SI salary
Losing pregnancy- Qualified doctor certificate of losing pregnancy
- 10 days: Under 01 month pregnancy- 20 days: From 01 month to under 03 month pregnancy- 40 days: From 04 month to under 06 month pregnancy- 50 days: From 06 month above pregnancy
100% of SI salary
BENEFITS OF SOCIAL INSURANCE – LABOR ACCIDENT
Types of benefit
Conditions for compensation for labor accident Payment by SI
Labor accident
- Qualified doctor certificate for labor disability- Labor disability from 05% above can be paid
- Based on the percentage of labor disability- Based on the SI attendance time- Based on the regulation of SI
BENEFITS OF SOCIAL INSURANCE – RETIREMENT
Types of retirement benefits
Conditions for compensation for labor accident Payment by SI
Retirement pension- 20 year contribution to SI- Male: enough 60 year old- Female: enough 55 year old
- First 15 years: 45% of average SI salary- From the 16th year up will increase each year 2% for male, 3% for female
Retirement allowance
- Over 30 year contribution to SI for male - Over 25 year contribution to SI for female
- From the year 31st for male and the year 26th for female: 01 additional year ~ 0.5 month of average SI salary
01 time SI allowance
- Enough 1 year contribute to social insurance- Unemployment- Emigrant
- 01 year of SI contribution ~ 1.5 month of average SI salary
BENEFITS OF SOCIAL INSURANCE – DEATHTypes of
retirement benefits
Conditions for compensation for labor accident Payment by SI
Funeral expense
- The employee who is working- Who has ceased working and is waiting for his/her pension to be processed;- Who is on monthly pension or allowance for labor accident or occupational disease, when he/she dies, - Employees are paying social insurance or on retirement paid by SI co.
- 10 months of minimum wage of salary
Monthly death allowance for relatives
- At least 15 years paid social insurance- Who is waiting for his/her monthly pension or who is on pension- Who suffers from labor accident or occupational disease
- Relative who has supporter: Monthly allowance ~ 50% of minimum wage of salary- Relative who does not have supporter: Monthly allowance ~ 70% of minimum wage of salary
BENEFITS OF HEALTH INSURANCE
HEALTH INSURANCE
Medical Examination Medical Treatment
1. Use HI card to reduce the
examination fee directly.
2. Take the qualified VAT
invoice to ask for refund with
SI office.
1. Use HI card to reduce the
examination fee directly
2. Types of treatment
Non hospital residence
treatment:
Hospital residence
treatment:
3. Take the qualified VAT to
ask for refund with SI office.
BENEFITS OF HEALTH INSURANCEMedical examination: Medical treatment:
- Use the health insurance card to reduce the fee directly at hospital.- At specific hospital in the health insurance card or any hospital in case of emergency: Support 80% of medical examination fee stipulated with the list of medical examination fee issued by MOH.- For other hospital: • Support 70% of medical examination fee: At the 3rd level hospital or not listed hospital.• Support 50% of medical examination fee: At the 2nd level hospital. • Support 30% of medical examination fee: At the 1st or special level hospital.
- Non hospital residence treatment:• VND55,000 per whole treatment: At the 3rd level hospital or not listed hospital.• ND120,000 per whole treatment: At the 2nd level hospital.• VND340,000 per whole treatment: At the 1st or special level hospital. - Hospital residence treatment: • VND450,000 per whole treatment: For medical treatment at the 3rd level hospital or not listed hospital.• VND1,200,000 per whole treatment: For medical treatment at the 2nd level hospital.• VND3,600,000 per whole treatment: For medical treatment at the 1st or special level hospital.
GUIDELINES FOR USING HEALTH INSURANCE CARD
List of medical examination or treatment fee issued by MOH:http://www.bhxhtphcm.gov.vn/Page.aspx?PageId=346
List of hospitals which sign cooperate contract with SI: http://www.bhxhtphcm.gov.vn/Page.aspx?PageId=337
Medical examination or treatment at the specific hospital in the health insurance card The examination or treatment fee will be reduced directly.
For emergency case, can use HI card at any hospital. In case, cannot use the HI card for payment, employee can
take the qualified VAT invoice. HR dept. will support to get the refund from SI office
GUIDELINES FOR USING HEALTH INSURANCE CARD
Notes:
SI only support based on the list of medical examination
and treatment fee issued by MOH.
Percentage for supporting is based the type of hospital.
Please remember to bring ID card, passport or residence
card with health insurance card when having medical
examination or treatment at hospital
BENEFIT OF UNEMPLOYMENT INSURANCE
Unemployment insurance: To provide financial support for employee when being unemployed.
BENEFITS OF UNEMPLOYMENT INSURANCE
Conditions
Pay UI from enough 12 months aboveRegister the unemployment at the local vocational center Cannot find job after 15 days since the registration date
Benefits
Based on the time of UI attendance and UI monthly salary
UI allowance per month ~ 60% of average SI salary within the 6 latest months
3 month UI allowance: Attendance time from enough 12 months to under 36 months.
6 month UI allowance: Attendance time from enough 36 months to under 72 months.
9 month UI allowance: Attendance time from enough 72 months to under 144 months.
12 month UI allowance: Attendance time from enough 144 months above.
INSURANCE PAYMENT
Percentage of payment:
Paid by employee
Paid by company Total
Social insurance 6% 16% 22%
Health insurance 1.5% 3% 4.5%
Unemployment insurance 1% 1% 2%
Total 8.5% 20% 28.5%
INSURANCE SALARY
Insurance salary is based on the salary mentioned in the labor contract.
The maximum insurance salary is 20 times of minimum wage of salary.
Minimum wage of salary Maximum SI salary
Amount VND830,000 VND16,600,000