|Health checkups for the elderly in Ho Chi Minh City__Photo: VNA|
The Ministry of Health (MOH) is considering to diversify supplementary health insurance packages to offer insured patients with more benefits than the basic package provided currently, such as regular health checkups, screening for early diagnosis of some diseases, elderly healthcare services, among others.
It is highlighted at a recent workshop on the latest draft revised Law on Health Insurance prepared by the MOH to replace the 2008 version.
As per the draft, supplementary health insurance packages would be provided under voluntary contracts between health insurance businesses and persons who have already participated in the current basic health insurance but now wish to pay premiums for supplementary health insurance packages. The insured would receive such additional benefits as co-payments, additional benefits and services, as compared to those provided by their current basic health insurance package.
The supplementary health insurance contracts would specify insurance premiums, and medical expense payment conditions and levels. Insurers would set health insurance premiums based on principles specified by the State, and provide payment scope that must not overlap benefits stated in the basic health insurance package.
Worthy of note, insurance businesses may neither refuse those fully meeting standards and wishing to participate in supplementary health insurance packages nor issue provisions on selection of participants.
Insurers may use appraisal results of social insurance agencies to determine payable medical expenses. Authorities would propose a rationale mechanism for monitoring the implementation of supplementary health insurance packages.-(VLLF)