Ms. Nguyen Thi Le, born on September 8, 1956, has purchased household health insurance for a term of 3 months, from June 11 to September 11, 2026. According to Resolution No. 17/2026/NQ-HDND of the Hanoi People's Council, from July 1, 2026, she belongs to the group of elderly people who are supported 100% of health insurance contributions.
Will the money already paid to buy household health insurance be reimbursed or not, and if so, what procedures need to be carried out?
No refund for purchased health insurance
According to Resolution No. 17/2026/NQ-HĐND dated June 2, 2026 of the Hanoi City People's Council, in Clause 1, Article 3, the supported group includes elderly people from 60 years old to under 75 years old, who are not subject to compulsory health insurance and do not have health insurance cards.
For the case of Ms. Nguyen Thi Le, although she has met the age conditions to be eligible for city support to issue health insurance cards, but at the time the policy took effect on July 1, 2026, she still has a valid household health insurance card.
This card is valid from June 11 to September 11, 2026.
Therefore, while the household health insurance card is still valid, she continues to use the card for medical examination and treatment in accordance with regulations. The amount already paid to participate in household health insurance is not refunded.
Expired old card, transferred to support category
After the household health insurance card expires on September 11, 2026, if you need to enjoy the city's support policy, you can request the local government to make a list of subjects eligible for support according to Resolution No. 17/2026/NQ-HDND.
People need to declare at the People's Committee of the commune or ward where they reside to be guided to prepare dossiers to participate in health insurance according to the support policy of Hanoi City.
According to the guidance, new HI cards that are eligible for city support will be issued with a continuous validity immediately after the effective date of the household HI card expires. Thus, people will not have their health insurance medical examination and treatment rights interrupted when switching to the supported category.
The above case also shows that people need to pay attention to the time when the health insurance card they are using expires when switching to the group supported by the local budget. Having paid household health insurance before being eligible for support does not mean being refunded money, if the old card is still valid.
