Starting in 2026, Health Insurance in Vietnam will enter a significant reform phase, drastically expanding benefits for the public. At Sekino, we believe the health of our workforce and partners is our most valuable asset. Staying updated on the latest Health Insurance policy changes is not just a responsibility—it is how Sekino walks hand-in-hand with the community toward a healthier future.
Below are the most “valuable” highlights of the Health Insurance policy in 2026 that you need to know.
1. Health Insurance 2026: 11 Groups Entitled to 100% Coverage
According to the 2024 Law, starting in 2026, there are 11 specific groups whose medical expenses will be fully covered by the Health Insurance fund when seeking treatment at the correct level:
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Armed Forces: Officers, professional soldiers, non-commissioned officers, and active-duty soldiers; People’s Police force.
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Military, Police, and Cipher Cadets: Vietnamese students currently receiving subsistence allowances.
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International Students: Foreigners studying at training institutions within the Vietnamese armed forces.
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Reserve Officers: Trainees in programs lasting 3 months or more (who do not yet have social or health insurance).
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Permanent Militia.
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Revolutionary Contributors: Veterans and individuals prioritized under the Ordinance on Preferential Treatment.
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Children Under 6 Years Old.
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Relatives of Revolutionary Contributors: Individuals who raised or are relatives of martyrs.
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Difficult Regions & Ethnic Minorities: The poor, people living in areas with extreme socio-economic difficulties, island communes, and island districts.
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Social Protection Beneficiaries: People receiving monthly social allowances or support.
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Specific Elderly Groups: People aged 75 and older receiving survivor benefits; people aged 70–75 from near-poor households receiving survivor benefits.
2. Three “Golden” Cases for 100% Medical Cost Reimbursement
Beyond the 11 groups mentioned above, Sekino would like to highlight 3 special scenarios where any Health Insurance participant can qualify for 100% coverage:
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Costs Lower than 15% of Basic Salary: If your medical bill for a single visit is lower than this threshold (currently equivalent to approximately 351,000 VND), you will be treated free of charge.
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Primary Level Examination: When patients receive care at commune health stations, regional polyclinics, or district health centers according to the correct decentralization.
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5-Year Continuous Participation: If you have participated in Health Insurance for 5 consecutive years and your cumulative co-payment within the year exceeds 6 times the reference salary (approximately 14 million VND), you will enjoy 100% coverage for all subsequent visits in that year.
3. Sekino’s Vision for Health Welfare in 2026
At Sekino, we go beyond merely complying with legal regulations on Health Insurance. Our goal is to build a secure and sustainable working environment.
The 2026 policy aims to reduce “out-of-pocket” expenses for citizens to below 30%. This is a breakthrough step to ensure that everyone—especially laborers at enterprises like Sekino—can access high-quality, fair medical services without the burden of financial strain.
A message from Sekino: Regularly check your Health Insurance card’s expiration date on the VssID app to ensure your “5-year continuous” benefits remain uninterrupted.
Conclusion
The upcoming changes to Health Insurance in 2026 are great news for all of us. Understanding the eligibility for 100% coverage will help you and your family take a proactive approach to healthcare.
Do you need further advice on insurance procedures or the welfare policies at Sekino? Contact us today for the fastest support!
