{"id":5249,"date":"2025-05-22T10:49:13","date_gmt":"2025-05-22T03:49:13","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5249"},"modified":"2025-05-22T10:51:25","modified_gmt":"2025-05-22T03:51:25","slug":"chinh-sach-bao-hiem-xa-hoi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi","title":{"rendered":"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 g\u00ec m\u1edbi cho doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1edbi nh\u1ea5t 2026"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 n\u1ec1n t\u1ea3ng quan tr\u1ecdng trong h\u1ec7 th\u1ed1ng an sinh x\u00e3 h\u1ed9i Vi\u1ec7t Nam, mang l\u1ea1i s\u1ef1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong nhi\u1ec1u giai \u0111o\u1ea1n cu\u1ed9c s\u1ed1ng. V\u1edbi vai tr\u00f2 thi\u1ebft y\u1ebfu, ch\u00ednh s\u00e1ch n\u00e0y kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 c\u00e1 nh\u00e2n m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n \u1ed5n \u0111\u1ecbnh x\u00e3 h\u1ed9i. B\u00e0i vi\u1ebft s\u1ebd gi\u1ea3i th\u00edch kh\u00e1i ni\u1ec7m, nguy\u00ean t\u1eafc, lo\u1ea1i h\u00ecnh, m\u1ee9c \u0111\u00f3ng, quy\u1ec1n l\u1ee3i, \u0111i\u1ec3m m\u1edbi, c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u00e0 k\u1ebft lu\u1eadn v\u1ec1 <a href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\"><strong>ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><\/a> \u0111\u1ec3 b\u1ea1n n\u1eafm r\u00f5.<\/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-xa-hoi\/#Bao_hiem_xa_hoi_la_gi\" title=\"B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 g\u00ec?\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 g\u00ec?<\/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-xa-hoi\/#Cac_loai_hinh_bao_hiem_xa_hoi\" title=\"C\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\">C\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\/#Bao_hiem_xa_hoi_bat_buoc\" title=\"B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\/#Bao_hiem_xa_hoi_tu_nguyen\" title=\"B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\/#Muc_dong_bao_hiem_xa_hoi\" title=\"M\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\">M\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\/#Quyen_loi_cua_nguoi_tham_gia_bao_hiem_xa_hoi\" title=\"Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\">Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><\/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-xa-hoi\/#Nhung_diem_moi_trong_chinh_sach_bao_hiem_xa_hoi\" title=\"Nh\u1eefng \u0111i\u1ec3m m\u1edbi trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\">Nh\u1eefng \u0111i\u1ec3m m\u1edbi trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/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-xa-hoi\/#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-xa-hoi\/#Chinh_sach_bao_hiem_xa_hoi_bat_buoc_ap_dung_cho_ai\" title=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng cho ai?\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng cho ai?<\/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-xa-hoi\/#Muc_luong_huu_toi_da_la_bao_nhieu\" title=\"M\u1ee9c l\u01b0\u01a1ng h\u01b0u t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau?\">M\u1ee9c l\u01b0\u01a1ng h\u01b0u t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau?<\/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-xa-hoi\/#BHXH_tu_nguyen_co_tro_cap_that_nghiep_khong\" title=\"BHXH t\u1ef1 nguy\u1ec7n c\u00f3 tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p kh\u00f4ng?\">BHXH t\u1ef1 nguy\u1ec7n c\u00f3 tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p 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-xa-hoi\/#Chinh_sach_bao_hiem_xa_hoi_co_thay_doi_muc_dong_khong\" title=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 thay \u0111\u1ed5i m\u1ee9c \u0111\u00f3ng kh\u00f4ng?\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 thay \u0111\u1ed5i m\u1ee9c \u0111\u00f3ng 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-13\" href=\"https:\/\/baohiemtasco.vn\/blog\/chinh-sach-bao-hiem-xa-hoi\/#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=\"Bao_hiem_xa_hoi_la_gi\"><\/span><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) l\u00e0 h\u1ec7 th\u1ed1ng ch\u00ednh s\u00e1ch do Nh\u00e0 n\u01b0\u1edbc t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n l\u00fd, nh\u1eb1m \u0111\u1ea3m b\u1ea3o thu nh\u1eadp v\u00e0 s\u1ee9c kh\u1ecfe cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong c\u00e1c t\u00ecnh hu\u1ed1ng nh\u01b0 \u1ed1m \u0111au, ngh\u1ec9 h\u01b0u ho\u1eb7c m\u1ea5t vi\u1ec7c l\u00e0m. \u0110\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i 2014, \u0111\u00e2y l\u00e0 qu\u1ef9 t\u00e0i ch\u00ednh h\u00ecnh th\u00e0nh t\u1eeb s\u1ef1 \u0111\u00f3ng g\u00f3p c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb Nh\u00e0 n\u01b0\u1edbc. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 an sinh m\u00e0 c\u00f2n l\u00e0 tr\u00e1ch nhi\u1ec7m b\u1eaft bu\u1ed9c v\u1edbi m\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng, \u0111\u1ed3ng th\u1eddi m\u1edf r\u1ed9ng t\u1ef1 nguy\u1ec7n cho ng\u01b0\u1eddi d\u00e2n.<\/p>\n<figure id=\"attachment_5250\" aria-describedby=\"caption-attachment-5250\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5250\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-nhu-the-nao.jpg\" alt=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i nh\u01b0 th\u1ebf n\u00e0o?\" width=\"600\" height=\"380\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-nhu-the-nao.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-nhu-the-nao-300x190.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-nhu-the-nao-150x95.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5250\" class=\"wp-caption-text\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i nh\u01b0 th\u1ebf n\u00e0o?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cac_loai_hinh_bao_hiem_xa_hoi\"><\/span><strong>C\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ea1i Vi\u1ec7t Nam bao g\u1ed3m 2 lo\u1ea1i h\u00ecnh ch\u00ednh, ph\u1ee5c v\u1ee5 c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c nhau bao g\u1ed3m:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_xa_hoi_bat_buoc\"><\/span><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">BHXH b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng t\u1eeb 3 th\u00e1ng tr\u1edf l\u00ean t\u1ea1i doanh nghi\u1ec7p, c\u01a1 quan c\u00f3 t\u1eeb 10 lao \u0111\u1ed9ng tr\u1edf l\u00ean. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c bao g\u1ed3m c\u00e1c ch\u1ebf \u0111\u1ed9:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>H\u01b0u tr\u00ed:<\/strong> \u0110\u1ea3m b\u1ea3o l\u01b0\u01a1ng h\u01b0u khi \u0111\u1ee7 tu\u1ed5i ngh\u1ec9 h\u01b0u v\u00e0 th\u1eddi gian \u0111\u00f3ng (20 n\u0103m).<\/li>\n<li aria-level=\"1\"><strong>\u1ed0m \u0111au:<\/strong> Chi tr\u1ea3 vi\u1ec7n ph\u00ed, h\u1ed7 tr\u1ee3 ngh\u1ec9 \u1ed1m theo m\u1ee9c l\u01b0\u01a1ng \u0111\u00f3ng.<\/li>\n<li aria-level=\"1\"><strong>Thai s\u1ea3n:<\/strong> Tr\u1ee3 c\u1ea5p cho lao \u0111\u1ed9ng n\u1eef khi sinh con ho\u1eb7c nh\u1eadn con nu\u00f4i d\u01b0\u1edbi 6 th\u00e1ng tu\u1ed5i.<\/li>\n<li aria-level=\"1\"><strong>Tai n\u1ea1n lao \u0111\u1ed9ng, b\u1ec7nh ngh\u1ec1 nghi\u1ec7p:<\/strong> H\u1ed7 tr\u1ee3 khi g\u1eb7p r\u1ee7i ro trong c\u00f4ng vi\u1ec7c.<\/li>\n<li aria-level=\"1\"><strong>Th\u1ea5t nghi\u1ec7p:<\/strong> Tr\u1ee3 c\u1ea5p t\u00e0i ch\u00ednh khi m\u1ea5t vi\u1ec7c ngo\u00e0i \u00fd mu\u1ed1n.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_xa_hoi_tu_nguyen\"><\/span><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">BHXH t\u1ef1 nguy\u1ec7n d\u00e0nh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ef1 do, kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c nh\u01b0 n\u00f4ng d\u00e2n, ti\u1ec3u th\u01b0\u01a1ng. <em>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/em> t\u1ef1 nguy\u1ec7n ch\u1ec9 g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>H\u01b0u tr\u00ed:<\/strong> \u0110\u1ea3m b\u1ea3o l\u01b0\u01a1ng h\u01b0u khi \u0111\u1ee7 20 n\u0103m \u0111\u00f3ng v\u00e0 tu\u1ed5i ngh\u1ec9 h\u01b0u.<\/li>\n<li aria-level=\"1\"><strong>T\u1eed tu\u1ea5t:<\/strong> Tr\u1ee3 c\u1ea5p m\u1ed9t l\u1ea7n ho\u1eb7c h\u00e0ng th\u00e1ng cho th\u00e2n nh\u00e2n khi ng\u01b0\u1eddi tham gia qua \u0111\u1eddi.<\/li>\n<\/ul>\n<figure id=\"attachment_5251\" aria-describedby=\"caption-attachment-5251\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5251\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-tu-nguyen.jpg\" alt=\"Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n\" width=\"600\" height=\"380\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-tu-nguyen.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-tu-nguyen-300x190.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/chinh-sach-bao-hiem-xa-hoi-tu-nguyen-150x95.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5251\" class=\"wp-caption-text\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n linh ho\u1ea1t h\u01a1n, cho ph\u00e9p ng\u01b0\u1eddi d\u00e2n ch\u1ee7 \u0111\u1ed9ng tham gia \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u01b0\u01a1ng lai.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_dong_bao_hiem_xa_hoi\"><\/span><strong>M\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">M\u1ee9c \u0111\u00f3ng BHXH l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean ti\u1ec1n l\u01b0\u01a1ng th\u00e1ng, c\u1ee5 th\u1ec3:<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Lo\u1ea1i b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>M\u1ee9c \u0111\u00f3ng<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>BHXH b\u1eaft bu\u1ed9c<\/strong><\/p>\n<\/td>\n<td>\n<ul>\n<li aria-level=\"1\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u00f3ng 10,5% (8% qu\u1ef9 h\u01b0u tr\u00ed, 1,5% \u1ed1m \u0111au &#8211; thai s\u1ea3n, 1% th\u1ea5t nghi\u1ec7p).<\/li>\n<li aria-level=\"1\">Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng 17,5% (14% h\u01b0u tr\u00ed, 3% \u1ed1m \u0111au &#8211; thai s\u1ea3n, 0,5% tai n\u1ea1n).<\/li>\n<li aria-level=\"1\">T\u1ed5ng m\u1ee9c \u0111\u00f3ng: 28% l\u01b0\u01a1ng th\u00e1ng, t\u1ed1i thi\u1ec3u b\u1eb1ng l\u01b0\u01a1ng t\u1ed1i thi\u1ec3u v\u00f9ng (4.680.000 VN\u0110 v\u00f9ng I n\u0103m 2025).<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>BHXH t\u1ef1 nguy\u1ec7n<\/strong><\/p>\n<\/td>\n<td>\n<ul>\n<li aria-level=\"1\">Ng\u01b0\u1eddi tham gia \u0111\u00f3ng 22% m\u1ee9c thu nh\u1eadp t\u1ef1 ch\u1ecdn, t\u1ed1i thi\u1ec3u b\u1eb1ng m\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf (1.800.000 VN\u0110\/th\u00e1ng n\u0103m 2025), t\u1ee9c \u00edt nh\u1ea5t 396.000 VN\u0110\/th\u00e1ng.<\/li>\n<li aria-level=\"1\">Kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u00f3ng g\u00f3p t\u1eeb Nh\u00e0 n\u01b0\u1edbc hay ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i quy \u0111\u1ecbnh m\u1ee9c \u0111\u00f3ng r\u00f5 r\u00e0ng, gi\u00fap ng\u01b0\u1eddi lao \u0111\u1ed9ng d\u1ec5 d\u00e0ng t\u00ednh to\u00e1n v\u00e0 tham gia.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi_cua_nguoi_tham_gia_bao_hiem_xa_hoi\"><\/span><strong>Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_5252\" aria-describedby=\"caption-attachment-5252\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5252\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-cua-nguoi-tham-gia-bao-hiem-xa-hoi.jpg\" alt=\"Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i\" width=\"600\" height=\"379\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-cua-nguoi-tham-gia-bao-hiem-xa-hoi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-cua-nguoi-tham-gia-bao-hiem-xa-hoi-300x190.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-cua-nguoi-tham-gia-bao-hiem-xa-hoi-150x95.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5252\" class=\"wp-caption-text\">Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i mang l\u1ea1i nhi\u1ec1u quy\u1ec1n l\u1ee3i thi\u1ebft th\u1ef1c, t\u00f9y theo lo\u1ea1i h\u00ecnh tham gia bao g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>H\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u:<\/strong> Ng\u01b0\u1eddi \u0111\u00f3ng \u0111\u1ee7 20 n\u0103m BHXH \u0111\u01b0\u1ee3c nh\u1eadn l\u01b0\u01a1ng h\u01b0u h\u00e0ng th\u00e1ng khi \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u (45-75% l\u01b0\u01a1ng b\u00ecnh qu\u00e2n).<\/li>\n<li aria-level=\"1\"><strong>Tr\u1ee3 c\u1ea5p \u1ed1m \u0111au:<\/strong> H\u1ed7 tr\u1ee3 t\u1eeb 30-100 ng\u00e0y ngh\u1ec9\/n\u0103m v\u1edbi 75% l\u01b0\u01a1ng ng\u00e0y l\u00e0m vi\u1ec7c n\u1ebfu \u1ed1m ho\u1eb7c ch\u0103m s\u00f3c con \u1ed1m.<\/li>\n<li aria-level=\"1\"><strong>Tr\u1ee3 c\u1ea5p thai s\u1ea3n:<\/strong> Lao \u0111\u1ed9ng n\u1eef nh\u1eadn 6 th\u00e1ng l\u01b0\u01a1ng khi sinh con (100% l\u01b0\u01a1ng b\u00ecnh qu\u00e2n 6 th\u00e1ng tr\u01b0\u1edbc sinh).<\/li>\n<li aria-level=\"1\"><strong>Tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p:<\/strong> Nh\u1eadn 60% l\u01b0\u01a1ng b\u00ecnh qu\u00e2n 6 th\u00e1ng tr\u01b0\u1edbc khi ngh\u1ec9, t\u1ed1i \u0111a 12 th\u00e1ng t\u00f9y th\u1eddi gian \u0111\u00f3ng.<\/li>\n<li aria-level=\"1\"><strong>BHXH m\u1ed9t l\u1ea7n:<\/strong> R\u00fat to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng n\u1ebfu kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi tham gia \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n trong su\u1ed1t cu\u1ed9c \u0111\u1eddi lao \u0111\u1ed9ng.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nhung_diem_moi_trong_chinh_sach_bao_hiem_xa_hoi\"><\/span><strong>Nh\u1eefng \u0111i\u1ec3m m\u1edbi trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i kh\u00f4ng ng\u1eebng \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf. M\u1ed9t s\u1ed1 \u0111i\u1ec3m m\u1edbi \u0111\u00e1ng ch\u00fa \u00fd \u0111\u1ebfn trong n\u0103m 2025:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Gi\u1ea3m th\u1eddi gian \u0111\u00f3ng BHXH:<\/strong> \u0110\u1ec1 xu\u1ea5t gi\u1ea3m t\u1eeb 20 n\u0103m xu\u1ed1ng 15 n\u0103m \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u (d\u1ef1 ki\u1ebfn \u00e1p d\u1ee5ng t\u1eeb 2025).<\/li>\n<li aria-level=\"1\"><strong>T\u0103ng tu\u1ed5i ngh\u1ec9 h\u01b0u:<\/strong> Nam 62 tu\u1ed5i, n\u1eef 60 tu\u1ed5i t\u1eeb 2021, s\u1ebd ti\u1ebfp t\u1ee5c \u0111i\u1ec1u ch\u1ec9nh theo l\u1ed9 tr\u00ecnh \u0111\u1ebfn 2035 (nam 65, n\u1eef 62).<\/li>\n<li aria-level=\"1\"><strong>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7:<\/strong> Tri\u1ec3n khai BHXH s\u1ed1 qua VssID, cho ph\u00e9p tra c\u1ee9u, qu\u1ea3n l\u00fd quy\u1ec1n l\u1ee3i tr\u1ef1c tuy\u1ebfn.<\/li>\n<li aria-level=\"1\"><strong>M\u1edf r\u1ed9ng \u0111\u1ed1i t\u01b0\u1ee3ng:<\/strong> Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch v\u1edbi nhi\u1ec1u \u01b0u \u0111\u00e3i v\u1ec1 m\u1ee9c \u0111\u00f3ng linh ho\u1ea1t.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Nh\u1eefng thay \u0111\u1ed5i n\u00e0y gi\u00fap ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i tr\u1edf n\u00ean g\u1ea7n g\u0169i v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\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=\"Chinh_sach_bao_hiem_xa_hoi_bat_buoc_ap_dung_cho_ai\"><\/span><strong>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng cho ai?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ch\u00ednh s\u00e1ch \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 h\u1ee3p \u0111\u1ed3ng t\u1eeb 3 th\u00e1ng tr\u1edf l\u00ean t\u1ea1i \u0111\u01a1n v\u1ecb t\u1eeb 10 lao \u0111\u1ed9ng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_luong_huu_toi_da_la_bao_nhieu\"><\/span><strong>M\u1ee9c l\u01b0\u01a1ng h\u01b0u t\u1ed1i \u0111a l\u00e0 bao nhi\u00eau?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">M\u1ee9c l\u01b0\u01a1ng h\u01b0u t\u1ed1i \u0111a 75% l\u01b0\u01a1ng b\u00ecnh qu\u00e2n th\u00e1ng \u0111\u00f3ng BHXH, theo quy \u0111\u1ecbnh c\u1ee7a ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"BHXH_tu_nguyen_co_tro_cap_that_nghiep_khong\"><\/span><strong>BHXH t\u1ef1 nguy\u1ec7n c\u00f3 tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, BHXH t\u1ef1 nguy\u1ec7n ch\u1ec9 c\u00f3 h\u01b0u tr\u00ed v\u00e0 t\u1eed tu\u1ea5t, kh\u00e1c v\u1edbi ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Chinh_sach_bao_hiem_xa_hoi_co_thay_doi_muc_dong_khong\"><\/span><strong>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 thay \u0111\u1ed5i m\u1ee9c \u0111\u00f3ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, m\u1ee9c \u0111\u00f3ng \u0111i\u1ec1u ch\u1ec9nh theo l\u01b0\u01a1ng t\u1ed1i thi\u1ec3u v\u00f9ng v\u00e0 l\u01b0\u01a1ng c\u01a1 s\u1edf h\u00e0ng n\u0103m.<\/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 x\u00e3 h\u1ed9i<\/span> l\u00e0 c\u00f4ng c\u1ee5 quan tr\u1ecdng gi\u00fap ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh v\u00e0 s\u1ee9c kh\u1ecfe trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. Hy v\u1ecdng qua \u0111\u00e2y b\u1ea1n \u0111\u1ecdc \u0111\u00e3 hi\u1ec3u h\u01a1n v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1eeb m\u1ee9c \u0111\u00f3ng \u0111\u1ebfn quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c h\u01b0\u1edfng. H\u00e3y li\u00ean h\u1ec7 B\u1ea3o hi\u1ec3m Tasco ngay h\u00f4m nay \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p nh\u1ea5t!<\/p>\n<p style=\"text-align: justify;\"><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>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 n\u1ec1n t\u1ea3ng quan tr\u1ecdng trong h\u1ec7 th\u1ed1ng an sinh x\u00e3 h\u1ed9i Vi\u1ec7t Nam, mang l\u1ea1i s\u1ef1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong nhi\u1ec1u giai \u0111o\u1ea1n cu\u1ed9c s\u1ed1ng. V\u1edbi vai tr\u00f2 thi\u1ebft y\u1ebfu, ch\u00ednh s\u00e1ch n\u00e0y kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 c\u00e1 nh\u00e2n m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5253,"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-5249","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\/5249","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=5249"}],"version-history":[{"count":2,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5249\/revisions"}],"predecessor-version":[{"id":5255,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5249\/revisions\/5255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5253"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}