One of the new points of the health insurance policy stipulated in Decree 188/2025 has just been issued, which is to supplement regulations on procedures for issuing health insurance cards.
Accordingly, the decree specifically guides the implementation of procedures for issuing electronic and paper health insurance cards (with the same legal value) to health insurance participants on the national public service portal, through the application of the social insurance agency, directly at the one-stop department of the social insurance agency or via public postal service to the social insurance agency.
According to Decree 188/2025, from August 15, the authorities will revoke the health insurance card if they discover fraud in the issuance of health insurance cards, including: Committing fraudulent acts in information about subjects, benefits in the issuance of health insurance cards and other fraudulent acts; people named in the health insurance card do not continue to participate in health insurance; issuing multiple health insurance cards.
The health insurance card is temporarily detained or temporarily locked for use in cases where a person going to a medical examination or treatment uses another person's health insurance card. People with detained health insurance cards are responsible for receiving the cards back and paying the fine according to the provisions of law.
When detecting the above violation, the medical examination and treatment facility must notify the Social Insurance agency. The Social Insurance Agency revokes, temporarily detain or temporarily locks the validity of the health insurance card when detecting or receiving notification from the medical examination and treatment facility about the violations.
When revoking, temporarily holding or temporarily locking the validity of the health insurance card, the social insurance agency must notify the health insurance participant.
The health insurance card that is temporarily locked or temporarily detained will be returned when the person lending the card to another person and the health insurance card user of another person has fulfilled the obligation to pay the fine and remedial measures (if any).
The Law on Health Insurance stipulates that the obligation of health insurance participants is to use the card for the right purpose, not to lend the card to others.
Violations of regulations on the use of health insurance cards in medical examination and treatment have been clearly regulated in Decree 117/2020 of the Government.
Accordingly, the act of lending another person a health insurance card or using another person's card for medical examination and treatment will be fined from 1 to 2 million VND if violated but not yet damaged the health insurance fund. If there is damage, the fine is from 3 to 5 million VND. In addition, the violator is required to return the violated amount to the health insurance fund's collection account (if any).
