The desk is a sales point for household health insurance and voluntary social insurance within the collection network of Ho Chi Minh City Social Security, located at the Center. Staff guide you through the declaration, check your information and receive payments in line with the regulations of the Social Security agency.
Address: Counter 7, ground-floor reception area, Ky Hoa Medical Center, 266A - 268 3 Thang 2 Street, Hoa Hung Ward, Ho Chi Minh City.
Opening hours: 07:30 - 11:00 in the morning and 13:00 - 16:00 in the afternoon.
What the desk handles
- New household health insurance for one person or the whole household
- Renewal of household health insurance cards that are about to expire
- First-time registration for voluntary social insurance
- Continued voluntary social insurance payments under your chosen schedule
- Help with the declaration form, social insurance numbers and household member details
Household health insurance
A household for health insurance purposes means people registered for permanent or temporary residence at the same lawful home. The self-paying group includes:
- Members of a household joining under the household scheme
- People living and working, or being cared for, in charitable or religious organizations and facilities
- Employees on unpaid leave or whose labor contract is suspended
- People not covered under any other health insurance group
Contributions
The first person pays 4.5% of the base salary: 4.5% × 2,530,000 VND = 113,850 VND per month, or 1,366,200 VND per year. Household members joining in the same fiscal year pay reduced amounts:
| Member | Per person per month | Per person per year | Household per year |
|---|---|---|---|
| First person4.5% of base salary | 113,850 VND | 1,366,200 VND | 1,366,200 VND |
| Second person70% of the first | 79,695 VND | 956,340 VND | 2,322,540 VND |
| Third person60% of the first | 68,310 VND | 819,720 VND | 3,142,260 VND |
| Fourth person50% of the first | 56,925 VND | 683,100 VND | 3,825,360 VND |
| Fifth person onwards40% of the first | 45,540 VND | 546,480 VND | 4,371,840 VND |
Figures are based on the current base salary of 2,530,000 VND per month (from 1 July 2026). If the base salary changes, the amounts change accordingly; desk staff will calculate the exact amount for your household.
How to pay
Pay every 3, 6 or 12 months. You can pay in person at a Social Security office or at an authorized enrollment support organization such as Counter 7 at the Center, or online via the National Public Service Portal or your banking app.
Benefits
- Reduced contributions when several household members join
- An electronic health insurance card, or a paper card on request
- You may choose or change your registered primary care facility in the first 15 days of each quarter
- Continuous participation is recorded and counts toward higher benefits when you qualify
- Explanations and information on your health insurance from the Social Security agency and healthcare facilities
Coverage
For care received in line with the regulations, the fund covers 80% of costs within your entitlement. Some cases are covered at 100%, including: a single visit costing less than 15% of the base salary (379,500 VND); or 5 or more consecutive years of participation with co-payments in a year above 6 months of base salary (15,180,000 VND).
Please note
For first-time participants, or those re-joining after a gap of 90 days or more, the card becomes valid 30 days after payment. Renew before your card expires so that it stays valid without interruption.
When you visit a doctor
Present one of the following: a valid health insurance card, or its image in the VssID app, together with photo ID; or a chip-based citizen ID card or a level-2 VNeID account with your health insurance card integrated.
Voluntary social insurance
For Vietnamese citizens aged 15 and over who are not subject to compulsory social insurance and are not receiving a pension, social insurance allowance or monthly allowance; and for employees and public servants whose contract is suspended (unless both sides agree to compulsory contributions during that time). Examples include small traders, freelancers, people working without a labor contract and homemakers.
Monthly contribution
Contribution = 22% × chosen income level − State subsidy. You choose the income level, from a minimum equal to the rural poverty line (1,500,000 VND per month) up to 20 times the reference level (currently the base salary of 2,530,000 VND per month). The minimum contribution is 22% × 1,500,000 VND = 330,000 VND per month before subsidies.
The State subsidizes a share of the contribution calculated on the rural poverty line, for up to 10 years (120 months): 50% for poor households and people living in island communes or special zones; 40% for near-poor households; 30% for ethnic minority people; 20% for other participants. Ho Chi Minh City adds 30% for poor households and 25% for near-poor households (Resolution 84/2025/NQ-HDND). Amounts at the minimum income level:
| Participant | Total subsidy | State pays per month | You pay per month |
|---|---|---|---|
| Poor household50% + 30% from HCMC | 80% | 264,000 VND | 66,000 VND |
| Near-poor household40% + 25% from HCMC | 65% | 214,500 VND | 115,500 VND |
| Ethnic minority | 30% | 99,000 VND | 231,000 VND |
| Other participants | 20% | 66,000 VND | 264,000 VND |
If you choose a higher income level, you pay the difference yourself.
How to pay
Monthly, or every 3, 6 or 12 months; a lump sum for several years ahead; or a lump sum for the remaining time needed to qualify for a pension. Each lump sum covers no more than 5 years (60 months).
Benefits
- Monthly pension with at least 15 years of contributions on reaching retirement age. From 1 January 2026 the retirement age is 61 years 6 months for men (rising 3 months a year to 62 in 2028) and 57 for women (rising 4 months a year to 60 in 2035).
- Pension rate: 45% for 15 years of contributions (women) or 20 years (men), plus 2% for each additional year, up to 75%. Pensions are adjusted in line with consumer prices and economic growth.
- Free health insurance card throughout retirement, with coverage of up to 95%.
- Maternity allowance of 2 million VND per child for women giving birth and men whose wife gives birth, with at least 6 months of contributions in the 12 months before the birth.
- Monthly allowance paid from your own contributions if you reach retirement age without qualifying for a pension; the State pays your health insurance during that time.
- One-time social insurance payment in cases set by law, such as reaching retirement age with less than 15 years of contributions and not continuing, emigrating, or certain serious illnesses.
- Survivor benefits: a funeral allowance of 10 times the reference level (25,300,000 VND) for participants with at least 60 months of contributions or receiving a pension; relatives receive a one-time survivor allowance.
What to bring
- The participant’s citizen ID card; for the whole household, the identification details of each member
- Social insurance number if you already have one, or your old card when renewing
- The facility where you want to register for primary health care
Process at the desk
- Go to Counter 7: in the ground-floor reception area, signposted “Quầy Bán & Đổi BHYT”.
- Declaration: staff help you complete the official registration form and check the participant’s information.
- Payment: choose the payment period, pay and receive a receipt. Keep the receipt and check the name, amount and period on it.
- Card and follow-up: the electronic health insurance card is delivered to the VssID app or a level-2 VNeID account; you can also check your social insurance contributions in VssID.
Look up information
- VssID app: track your contributions and benefits
- Vietnam Social Security hotline: 1900 9068
- Official portal: baohiemxahoi.gov.vn
Frequently asked questions
If I buy health insurance at Ky Hoa, must I register for primary care at Ky Hoa? No. You choose your primary care facility when you declare, under the Social Security agency’s regulations, and you can change it in the first 15 days of each quarter. If you would like to choose Ky Hoa Medical Center, just tell the desk staff.
How soon can I use the card after paying? For first-time participants, or after a gap of 90 days or more, the card becomes valid 30 days after payment. With continuous renewal it stays valid without a waiting period.
Does voluntary social insurance include a health insurance card? Not while you are contributing: voluntary social insurance and health insurance are separate, so you still need health insurance, for example household health insurance. Once you receive a pension, you are issued a free health insurance card.
Legal basis: Law on Health Insurance (as amended by Law No. 51/2024/QH15), Decree 188/2025/ND-CP; Law on Social Insurance No. 41/2024/QH15, Decree 159/2025/ND-CP; Resolution 84/2025/NQ-HDND of the Ho Chi Minh City People’s Council; Vietnam Social Security leaflets on household health insurance and voluntary social insurance (2026).
Call our hotline or message us on Zalo for guidance on documents before visiting the desk.