A new school year is also the time when parents have to calculate a series of expenses for their children. Among these amounts, student health insurance may not be the largest amount but is one of the most necessary.
Unforeseen illnesses, accidents and one costly treatment can lead to family bankruptcy.
According to current policies, students who participate in health insurance are supported by the state budget at least 50% of the contribution level.
With a reference level of 2.53 million VND/month, the health insurance contribution level is 4.5% of the reference level, equivalent to 1,366,200 VND/person/year; the budget support is at least 683,100 VND, and the actual contribution of students is also at 683,100 VND/person/year.
Calculated, less than 700,000 VND per year, but in return, it is a mechanism to share medical examination and treatment costs when unfortunately encountering health problems. This is a policy that is very worthy of parents' support.
The most important thing about insurance is not the amount of money spent today, but the proactiveness in the face of a risk that is not known when it will happen.
A healthy student today does not mean that tomorrow there cannot be an accident, high fever requiring hospitalization, illness requiring long-term treatment or health problems requiring high costs.
Without health insurance, the entire burden will fall on parents. For families with limited incomes, it could be a financial shock.
Support from the state budget of at least 50% of the contribution level for students clearly shows the humanity of social security policies.
The State does not put all insurance costs on the shoulders of parents, but together with families takes care of the health of the younger generation.
Health insurance contributions should not be seen as a "must-pay" at the beginning of the school year, but rather as a small investment to protect the greatest asset of each family: the health and future of children.
Schools also need to do better in propaganda. Don't just announce the amount of money to be paid, but need to explain to parents what benefits that money brings, why it is necessary to participate and how to use the card.
Health insurance does not make disease disappear, but it helps a family not to fight alone against the burden of costs when illness occurs.
Therefore, less than 700,000 VND a year is not an amount of money to consider whether to "save" or not, but to buy initiative in the face of things that no one wants.
Children, pupils, and students need to be educated in a peaceful mindset. And behind that peace of mind, a good social security policy and the responsible companionship of each family are very necessary.
