Effective January 1, 2026, Vietnam’s healthcare system has introduced a series of new regulations regarding health insurance (HI) benefits and salary structures for medical professionals.
Expansion of 100% medical cost coverage The updated HI policy prioritizes support for vulnerable populations. Specifically:
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Full coverage groups: Individuals from near-poor households and seniors aged 75 and older (receiving social pension benefits) are now entitled to 100% coverage for medical expenses within the scope of benefits.
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Strategic objective: This move aims to alleviate the financial burden on low-income individuals and address the challenges posed by an aging population.
Subsidized insurance premiums for students Under Decree 188, HI premiums for students have been adjusted through significant state subsidies:
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National support: The state budget covers at least 50% of the premium for students, reducing the individual contribution to a maximum of 631,800 VND per year.
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Special mechanism in HCMC: Starting late 2025, Ho Chi Minh City has implemented a policy to provide free health insurance for all students and seniors by utilizing the local budget to cover the remaining 50%.
Wage reforms and occupational allowances for medical staff To retain talent and acknowledge the rigorous training required, the new salary regime includes key adjustments:
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Higher starting pay grade: Medical doctors (general, dental, preventive…) and pharmacists will now be placed on the second salary tier immediately upon recruitment, rather than starting at the first tier as previously required.
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Specialized allowances: A 100% occupational incentive allowance is granted to staff in high-risk fields, including emergency resuscitation, psychiatry, pathology, and forensics.
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Support for grassroots health units: Medical personnel at commune-level stations in disadvantaged, border, or island areas receive a 100% allowance. In other regions, the minimum incentive is set at 70%.
Source: https://vnexpress.net/nhung-chinh-sach-y-te-moi-ap-dung-tu-1-1-5000366.html