{"id":5190,"date":"2025-05-20T16:29:19","date_gmt":"2025-05-20T09:29:19","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5190"},"modified":"2025-05-19T15:26:16","modified_gmt":"2025-05-19T08:26:16","slug":"chinh-sach-bao-hiem-y-te","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te","title":{"rendered":"C\u1eadp nh\u1eadt ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf v\u1edbi quy \u0111\u1ecbnh &#038; thay \u0111\u1ed5i m\u1edbi nh\u1ea5t n\u0103m 2026"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Trong b\u1ed1i c\u1ea3nh x\u00e3 h\u1ed9i ng\u00e0y c\u00e0ng quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 an sinh, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u00f3ng vai tr\u00f2 then ch\u1ed1t trong vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1m ch\u1eefa b\u1ec7nh cho ng\u01b0\u1eddi d\u00e2n. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t quy \u0111\u1ecbnh mang t\u00ednh b\u1eaft bu\u1ed9c m\u00e0 c\u00f2n l\u00e0 gi\u1ea3i ph\u00e1p nh\u00e2n v\u0103n, gi\u00fap gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi kh\u00f4ng may g\u1eb7p r\u1ee7i ro v\u1ec1 s\u1ee9c kh\u1ecfe. V\u1eady <a href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\"><strong>ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong><\/a> hi\u1ec7n nay g\u1ed3m nh\u1eefng quy \u0111\u1ecbnh g\u00ec v\u00e0 quy \u0111\u1ecbnh ra sao? H\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u chi ti\u1ebft trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Chinh_sach_bao_hiem_y_te_nhu_the_nao\" title=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 th\u1ebf n\u00e0o?\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Muc_tieu_cua_chinh_sach_bao_hiem_y_te\" title=\"M\u1ee5c ti\u00eau c\u1ee7a ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf\">M\u1ee5c ti\u00eau c\u1ee7a ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Cac_quy_dinh_ve_chinh_sach_bao_hiem_y_te_hien_nay\" title=\"C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec7n nay\">C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec7n nay<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Doi_tuong_tham_gia\" title=\"\u0110\u1ed1i t\u01b0\u1ee3ng tham gia\">\u0110\u1ed1i t\u01b0\u1ee3ng tham gia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Muc_dong_va_phuong_thuc_dong\" title=\"M\u1ee9c \u0111\u00f3ng v\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng\">M\u1ee9c \u0111\u00f3ng v\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Quyen_loi_pham_vi_huong_bao_hiem_y_te\" title=\"Quy\u1ec1n l\u1ee3i, ph\u1ea1m vi h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf\">Quy\u1ec1n l\u1ee3i, ph\u1ea1m vi h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Nhung_thay_doi_moi_nhat_trong_chinh_sach_bao_hiem_y_te\" title=\"Nh\u1eefng thay \u0111\u1ed5i m\u1edbi nh\u1ea5t trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf\">Nh\u1eefng thay \u0111\u1ed5i m\u1edbi nh\u1ea5t trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Cau_hoi_thuong_gap\" title=\"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#1_Chinh_sach_bao_hiem_y_te_co_bat_buoc_toan_dan_khong\" title=\"1. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c to\u00e0n d\u00e2n kh\u00f4ng?\">1. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c to\u00e0n d\u00e2n kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#2_Dong_BHYT_bao_lau_thi_duoc_huong_quyen_loi\" title=\"2. \u0110\u00f3ng BHYT bao l\u00e2u th\u00ec \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i?\">2. \u0110\u00f3ng BHYT bao l\u00e2u th\u00ec \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#3_BHYT_chi_tra_dich_vu_kham_suc_khoe_dinh_ky_khong\" title=\"3. BHYT chi tr\u1ea3 d\u1ecbch v\u1ee5 kh\u00e1m s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3 kh\u00f4ng?\">3. BHYT chi tr\u1ea3 d\u1ecbch v\u1ee5 kh\u00e1m s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3 kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#4_Tre_em_duoi_6_tuoi_co_can_dong_BHYT_khong\" title=\"4. Tr\u1ebb em d\u01b0\u1edbi 6 tu\u1ed5i c\u00f3 c\u1ea7n \u0111\u00f3ng BHYT kh\u00f4ng?\">4. Tr\u1ebb em d\u01b0\u1edbi 6 tu\u1ed5i c\u00f3 c\u1ea7n \u0111\u00f3ng BHYT kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#5_Chinh_sach_bao_hiem_y_te_co_thay_doi_hang_nam_khong\" title=\"5. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 thay \u0111\u1ed5i h\u00e0ng n\u0103m kh\u00f4ng?\">5. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 thay \u0111\u1ed5i h\u00e0ng n\u0103m kh\u00f4ng?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-y-te\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Chinh_sach_bao_hiem_y_te_nhu_the_nao\"><\/span><strong>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 h\u1ec7 th\u1ed1ng quy \u0111\u1ecbnh, bi\u1ec7n ph\u00e1p do Nh\u00e0 n\u01b0\u1edbc ban h\u00e0nh nh\u1eb1m t\u1ed5 ch\u1ee9c, qu\u1ea3n l\u00fd v\u00e0 th\u1ef1c hi\u1ec7n b\u1ea3o hi\u1ec3m y t\u1ebf (BHYT), m\u1ed9t h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c ho\u1eb7c t\u1ef1 nguy\u1ec7n. M\u1ee5c \u0111\u00edch l\u00e0 h\u1ed7 tr\u1ee3 chi tr\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh cho ng\u01b0\u1eddi tham gia, gi\u1ea3m g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi g\u1eb7p v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe.<\/p>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch n\u00e0y \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean Lu\u1eadt BHYT 2008 (s\u1eeda \u0111\u1ed5i 2014) v\u00e0 c\u00e1c ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn, \u00e1p d\u1ee5ng cho m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng t\u1eeb tr\u1ebb em \u0111\u1ebfn ng\u01b0\u1eddi cao tu\u1ed5i. N\u00f3 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng trong ch\u0103m s\u00f3c y t\u1ebf.<\/p>\n<figure id=\"attachment_5191\" aria-describedby=\"caption-attachment-5191\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5191\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-y-te-nhu-the-nao.jpg\" alt=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 th\u1ebf n\u00e0o?\" width=\"600\" height=\"377\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-y-te-nhu-the-nao.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-y-te-nhu-the-nao-300x189.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-y-te-nhu-the-nao-150x94.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5191\" class=\"wp-caption-text\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 th\u1ebf n\u00e0o?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_tieu_cua_chinh_sach_bao_hiem_y_te\"><\/span><strong>M\u1ee5c ti\u00eau c\u1ee7a ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf h\u01b0\u1edbng \u0111\u1ebfn c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 \u0111\u1ec3 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng, \u0111\u1ed3ng th\u1eddi th\u1ec3 hi\u1ec7n t\u1ea7m nh\u00ecn chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a ch\u00ednh s\u00e1ch trong vi\u1ec7c ch\u0103m lo s\u1ee9c kh\u1ecfe to\u00e0n d\u00e2n.<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>B\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng:<\/strong> \u0110\u1ea3m b\u1ea3o m\u1ecdi ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 y t\u1ebf c\u01a1 b\u1ea3n v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd.<\/li>\n<li aria-level=\"1\"><strong>Gi\u1ea3m g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh:<\/strong> H\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00e2n tr\u00e1nh r\u01a1i v\u00e0o c\u1ea3nh ngh\u00e8o kh\u00f3 do chi ph\u00ed y t\u1ebf cao, \u0111\u1eb7c bi\u1ec7t v\u1edbi c\u00e1c b\u1ec7nh n\u1eb7ng.<\/li>\n<li aria-level=\"1\"><strong>Th\u00fac \u0111\u1ea9y c\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i:<\/strong> T\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 m\u1ecdi t\u1ea7ng l\u1edbp, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi ngh\u00e8o, \u0111\u01b0\u1ee3c ch\u0103m s\u00f3c y t\u1ebf ngang b\u1eb1ng v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao.<\/li>\n<li aria-level=\"1\"><strong>Ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng:<\/strong> G\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng y t\u1ebf to\u00e0n d\u00e2n, h\u1ed7 tr\u1ee3 kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i ph\u00e1t tri\u1ec3n l\u00e2u d\u00e0i.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cac_quy_dinh_ve_chinh_sach_bao_hiem_y_te_hien_nay\"><\/span><strong>C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec7n nay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><em>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/em> hi\u1ec7n nay \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng, m\u1ee9c \u0111\u00f3ng, v\u00e0 quy\u1ec1n l\u1ee3i bao g\u1ed3m:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Doi_tuong_tham_gia\"><\/span><strong>\u0110\u1ed1i t\u01b0\u1ee3ng tham gia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><strong>\u0110\u1ed1i t\u01b0\u1ee3ng tham gia BHYT bao g\u1ed3m:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>B\u1eaft bu\u1ed9c:<\/strong> Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, c\u00e1n b\u1ed9 c\u00f4ng ch\u1ee9c, h\u1ecdc sinh\/sinh vi\u00ean, tr\u1ebb em d\u01b0\u1edbi 6 tu\u1ed5i, ng\u01b0\u1eddi thu\u1ed9c h\u1ed9 ngh\u00e8o, c\u1eadn ngh\u00e8o v\u00e0 ng\u01b0\u1eddi h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u.<\/li>\n<li aria-level=\"1\"><strong>T\u1ef1 nguy\u1ec7n: <\/strong>H\u1ed9 gia \u0111\u00ecnh kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c, \u0111\u00f3ng theo nh\u00f3m \u0111\u1ec3 nh\u1eadn \u01b0u \u0111\u00e3i gi\u1ea3m ph\u00ed.<\/li>\n<li aria-level=\"1\"><strong>H\u1ed7 tr\u1ee3 \u0111\u1eb7c bi\u1ec7t:<\/strong> Ng\u01b0\u1eddi cao tu\u1ed5i tr\u00ean 80, d\u00e2n t\u1ed9c thi\u1ec3u s\u1ed1 \u1edf v\u00f9ng kh\u00f3 kh\u0103n \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n ph\u00ed.<\/li>\n<\/ul>\n<figure id=\"attachment_5192\" aria-describedby=\"caption-attachment-5192\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5192\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-quy-dinh-ve-chinh-sach-bao-hiem-y-te-hien-nay.jpg\" alt=\"C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec7n nay\" width=\"600\" height=\"323\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-quy-dinh-ve-chinh-sach-bao-hiem-y-te-hien-nay.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-quy-dinh-ve-chinh-sach-bao-hiem-y-te-hien-nay-300x162.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-quy-dinh-ve-chinh-sach-bao-hiem-y-te-hien-nay-150x81.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5192\" class=\"wp-caption-text\">C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec7n nay<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_dong_va_phuong_thuc_dong\"><\/span><strong>M\u1ee9c \u0111\u00f3ng v\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">M\u1ee9c \u0111\u00f3ng BHYT \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean thu nh\u1eadp ho\u1eb7c m\u1ee9c c\u1ed1 \u0111\u1ecbnh:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Ng\u01b0\u1eddi lao \u0111\u1ed9ng:<\/strong> 4,5% l\u01b0\u01a1ng th\u00e1ng (ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u00f3ng 1,5%, doanh nghi\u1ec7p \u0111\u00f3ng 3%).<\/li>\n<li aria-level=\"1\"><strong>H\u1ed9 gia \u0111\u00ecnh:<\/strong> \u0110\u00f3ng theo m\u1ee9c c\u1ed1 \u0111\u1ecbnh (kho\u1ea3ng 900.000 \u0111\u1ed3ng\/ng\u01b0\u1eddi\/n\u0103m 2025), gi\u1ea3m d\u1ea7n t\u1eeb ng\u01b0\u1eddi th\u1ee9 hai trong gia \u0111\u00ecnh.<\/li>\n<li aria-level=\"1\"><strong>Ph\u01b0\u01a1ng th\u1ee9c:<\/strong> \u0110\u00f3ng h\u00e0ng th\u00e1ng (qua doanh nghi\u1ec7p), h\u00e0ng qu\u00fd ho\u1eb7c h\u00e0ng n\u0103m (tr\u1ef1c ti\u1ebfp t\u1ea1i c\u01a1 quan BHXH ho\u1eb7c \u0111\u1ea1i l\u00fd thu).<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi_pham_vi_huong_bao_hiem_y_te\"><\/span><strong>Quy\u1ec1n l\u1ee3i, ph\u1ea1m vi h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><strong>Quy\u1ec1n l\u1ee3i BHYT bao g\u1ed3m:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>\u0110\u00fang tuy\u1ebfn:<\/strong> Chi tr\u1ea3 100% chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh t\u1ea1i c\u01a1 s\u1edf \u0111\u0103ng k\u00fd ban \u0111\u1ea7u, 80% n\u1ebfu v\u01b0\u1ee3t tuy\u1ebfn trong danh m\u1ee5c qu\u1ef9 BHYT.<\/li>\n<li aria-level=\"1\"><strong>Tr\u00e1i tuy\u1ebfn:<\/strong> 40-60% chi ph\u00ed n\u1ed9i tr\u00fa t\u1ea1i b\u1ec7nh vi\u1ec7n tuy\u1ebfn t\u1ec9nh\/trung \u01b0\u01a1ng, 100% n\u1ebfu c\u1ea5p c\u1ee9u.<\/li>\n<li aria-level=\"1\"><strong>Ph\u1ea1m vi:<\/strong> Bao g\u1ed3m kh\u00e1m b\u1ec7nh, thu\u1ed1c, d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt y t\u1ebf trong danh m\u1ee5c, kh\u00f4ng chi tr\u1ea3 d\u1ecbch v\u1ee5 th\u1ea9m m\u1ef9 ho\u1eb7c ngo\u00e0i qu\u1ef9.<\/li>\n<\/ul>\n<figure id=\"attachment_5193\" aria-describedby=\"caption-attachment-5193\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5193\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-pham-vi-huong-bao-hiem-y-te.jpg\" alt=\"Quy\u1ec1n l\u1ee3i, ph\u1ea1m vi h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf\" width=\"600\" height=\"380\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-pham-vi-huong-bao-hiem-y-te.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-pham-vi-huong-bao-hiem-y-te-300x190.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-pham-vi-huong-bao-hiem-y-te-150x95.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5193\" class=\"wp-caption-text\">Quy\u1ec1n l\u1ee3i, ph\u1ea1m vi h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nhung_thay_doi_moi_nhat_trong_chinh_sach_bao_hiem_y_te\"><\/span><strong>Nh\u1eefng thay \u0111\u1ed5i m\u1edbi nh\u1ea5t trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><strong>T\u00ednh \u0111\u1ebfn n\u0103m 2025, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 m\u1ed9t s\u1ed1 c\u1eadp nh\u1eadt quan tr\u1ecdng:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>T\u0103ng m\u1ee9c h\u1ed7 tr\u1ee3:<\/strong> Nh\u00e0 n\u01b0\u1edbc n\u00e2ng m\u1ee9c h\u1ed7 tr\u1ee3 \u0111\u00f3ng BHYT cho h\u1ed9 c\u1eadn ngh\u00e8o t\u1eeb 70% l\u00ean 80%, khuy\u1ebfn kh\u00edch tham gia to\u00e0n d\u00e2n.<\/li>\n<li aria-level=\"1\"><strong>M\u1edf r\u1ed9ng danh m\u1ee5c chi tr\u1ea3:<\/strong> Th\u00eam m\u1ed9t s\u1ed1 thu\u1ed1c v\u00e0 k\u1ef9 thu\u1eadt y t\u1ebf ti\u00ean ti\u1ebfn (nh\u01b0 ch\u1ee5p MRI, thu\u1ed1c \u0111i\u1ec1u tr\u1ecb ung th\u01b0) v\u00e0o qu\u1ef9 BHYT.<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 h\u00f3a d\u1ecbch v\u1ee5:<\/strong> \u1ee8ng d\u1ee5ng VssID cho ph\u00e9p tra c\u1ee9u quy\u1ec1n l\u1ee3i, l\u1ecbch s\u1eed kh\u00e1m ch\u1eefa b\u1ec7nh tr\u1ef1c tuy\u1ebfn, gi\u1ea3m th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd.<\/li>\n<li aria-level=\"1\"><strong>Ph\u1ea1t n\u1eb7ng vi ph\u1ea1m:<\/strong> Doanh nghi\u1ec7p tr\u1ed1n \u0111\u00f3ng BHYT b\u1ecb ph\u1ea1t cao h\u01a1n, t\u1eeb 12-15% s\u1ed1 ti\u1ec1n ch\u1eadm \u0111\u00f3ng, t\u1ed1i \u0111a 75 tri\u1ec7u \u0111\u1ed3ng.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span><strong>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Chinh_sach_bao_hiem_y_te_co_bat_buoc_toan_dan_khong\"><\/span><strong>1. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c to\u00e0n d\u00e2n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, BHYT b\u1eaft bu\u1ed9c v\u1edbi m\u1ed9t s\u1ed1 nh\u00f3m (ng\u01b0\u1eddi lao \u0111\u1ed9ng, h\u1ecdc sinh), nh\u01b0ng t\u1ef1 nguy\u1ec7n v\u1edbi h\u1ed9 gia \u0111\u00ecnh kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Dong_BHYT_bao_lau_thi_duoc_huong_quyen_loi\"><\/span><strong>2. \u0110\u00f3ng BHYT bao l\u00e2u th\u00ec \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">B\u1ea1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng ngay sau khi \u0111\u00f3ng ph\u00ed v\u00e0 th\u1ebb BHYT c\u00f3 hi\u1ec7u l\u1ef1c, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ch\u1edd 30 ng\u00e0y v\u1edbi BHYT t\u1ef1 nguy\u1ec7n.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_BHYT_chi_tra_dich_vu_kham_suc_khoe_dinh_ky_khong\"><\/span><strong>3. BHYT chi tr\u1ea3 d\u1ecbch v\u1ee5 kh\u00e1m s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3 kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, BHYT ch\u1ec9 chi tr\u1ea3 khi c\u00f3 b\u1ec7nh, kh\u00f4ng bao g\u1ed3m kh\u00e1m s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3 ho\u1eb7c d\u1ecbch v\u1ee5 th\u1ea9m m\u1ef9.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Tre_em_duoi_6_tuoi_co_can_dong_BHYT_khong\"><\/span><strong>4. Tr\u1ebb em d\u01b0\u1edbi 6 tu\u1ed5i c\u00f3 c\u1ea7n \u0111\u00f3ng BHYT kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, tr\u1ebb d\u01b0\u1edbi 6 tu\u1ed5i \u0111\u01b0\u1ee3c c\u1ea5p th\u1ebb BHYT mi\u1ec5n ph\u00ed theo ch\u00ednh s\u00e1ch Nh\u00e0 n\u01b0\u1edbc.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Chinh_sach_bao_hiem_y_te_co_thay_doi_hang_nam_khong\"><\/span><strong>5. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 thay \u0111\u1ed5i h\u00e0ng n\u0103m kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh d\u1ef1a tr\u00ean ng\u00e2n s\u00e1ch, nhu c\u1ea7u y t\u1ebf v\u00e0 ch\u1ec9 s\u1ed1 gi\u00e1 ti\u00eau d\u00f9ng.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf<\/span> l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng \u0111\u1ea3m b\u1ea3o s\u1ee9c kh\u1ecfe v\u00e0 an sinh x\u00e3 h\u1ed9i cho ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam. Hy v\u1ecdng qua \u0111\u00e2y, B\u1ea3o hi\u1ec3m Tasco \u0111\u00e3 gi\u00fap b\u1ea1n \u0111\u1ecdc n\u1eafm r\u00f5 \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch xoay quanh ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf. N\u1ebfu c\u1ea7n h\u1ed7 tr\u1ee3 th\u00eam, ch\u00fang t\u00f4i lu\u00f4n s\u1eb5n s\u00e0ng t\u01b0 v\u1ea5n chi ti\u1ebft. Li\u00ean h\u1ec7 ngay v\u1edbi B\u1ea3o hi\u1ec3m Tasco \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn ch\u00ednh x\u00e1c v\u00e0 nhanh ch\u00f3ng.<\/p>\n<p><strong>C\u00d4NG TY TNHH B\u1ea2O HI\u1ec2M TASCO &#8211; TASCO INSURANCE CO., LTD <\/strong><br \/>\n\ud83c\udfe2 TSC: T\u00f2a nh\u00e0 Tasco, Ph\u1ea1m H\u00f9ng, M\u1ec5 Tr\u00ec, Nam T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i<br \/>\n\ud83d\udce9 Email: info@baohiemtasco.vn<br \/>\n\ud83c\udf10 Website: <strong><a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\">baohiemtasco.vn<\/a><\/strong><br \/>\n\u260e\ufe0f Hotline: 1900 1562<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trong b\u1ed1i c\u1ea3nh x\u00e3 h\u1ed9i ng\u00e0y c\u00e0ng quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 an sinh, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u00f3ng vai tr\u00f2 then ch\u1ed1t trong vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1m ch\u1eefa b\u1ec7nh cho ng\u01b0\u1eddi d\u00e2n. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t quy \u0111\u1ecbnh mang t\u00ednh b\u1eaft bu\u1ed9c m\u00e0 c\u00f2n l\u00e0 gi\u1ea3i [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5194,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-5190","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thong-tin-bao-hiem"},"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/comments?post=5190"}],"version-history":[{"count":2,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5190\/revisions"}],"predecessor-version":[{"id":5196,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5190\/revisions\/5196"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5194"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}