{"id":31074,"date":"2026-10-21T08:45:00","date_gmt":"2026-10-21T01:45:00","guid":{"rendered":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/?p=31074"},"modified":"2026-10-21T17:06:34","modified_gmt":"2026-10-21T10:06:34","slug":"muc-huong-bhyt-khi-di-kham-chua-benh","status":"publish","type":"post","link":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/luat-lao-dong\/muc-huong-bhyt-khi-di-kham-chua-benh","title":{"rendered":"M\u1ee9c h\u01b0\u1edfng BHYT khi \u0111i kh\u00e1m ch\u1eefa b\u1ec7nh: t\u1ef7 l\u1ec7 chi tr\u1ea3 theo t\u1eebng t\u00ecnh hu\u1ed1ng"},"content":{"rendered":"

C\u1ea7m th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf \u0111i kh\u00e1m, nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u1eabn kh\u00f4ng r\u00f5 qu\u1ef9 tr\u1ea3 bao nhi\u00eau. B\u00e0i vi\u1ebft gi\u1ea3i th\u00edch m\u1ee9c h\u01b0\u1edfng BHYT khi \u0111i kh\u00e1m ch\u1eefa b\u1ec7nh<\/strong> theo quy \u0111\u1ecbnh \u00e1p d\u1ee5ng t\u1eeb 01\/7\/2025, qua c\u00e1c t\u00ecnh hu\u1ed1ng nh\u01b0 kh\u00e1m g\u1ea7n c\u00f4ng ty, c\u1ea5p c\u1ee9u ban \u0111\u00eam hay m\u1ed5 \u1edf b\u1ec7nh vi\u1ec7n l\u1edbn, k\u00e8m v\u00ed d\u1ee5 t\u00ednh ti\u1ec1n v\u00e0 c\u00e1ch t\u1ef1 tra c\u1ee9u.<\/p>\n

\"m\u1ee9c<\/p>\n

\n

T\u1ed5ng quan nhanh<\/strong><\/p>\n

\u2013 S\u1ed1 ti\u1ec1n qu\u1ef9 chi tr\u1ea3 ph\u1ee5 thu\u1ed9c \u0111\u1ed3ng th\u1eddi v\u00e0o nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean th\u1ebb v\u00e0 n\u01a1i b\u1ea1n \u0111\u1ebfn kh\u00e1m.<\/p>\n

\u2013 T\u1eeb 01\/7\/2025, kh\u00e1i ni\u1ec7m \u201ctuy\u1ebfn\u201d \u0111\u01b0\u1ee3c thay b\u1eb1ng ba c\u1ea5p chuy\u00ean m\u00f4n k\u1ef9 thu\u1eadt: ban \u0111\u1ea7u, c\u01a1 b\u1ea3n v\u00e0 chuy\u00ean s\u00e2u.<\/p>\n

\u2013 Ph\u1ea7n l\u1edbn ng\u01b0\u1eddi l\u00e0m c\u00f4ng \u0103n l\u01b0\u01a1ng thu\u1ed9c nh\u00f3m \u0111\u01b0\u1ee3c qu\u1ef9 chi tr\u1ea3 80% chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i.<\/p>\n

\u2013 B\u1ea1n c\u00f3 th\u1ec3 \u0111i kh\u00e1m b\u1eb1ng th\u1ebb c\u0103n c\u01b0\u1edbc g\u1eafn chip ho\u1eb7c \u1ee9ng d\u1ee5ng VssID, VNeID thay cho th\u1ebb gi\u1ea5y.<\/p>\n

B\u1ed1n \u0111i\u1ec3m tr\u00ean l\u00e0 khung \u0111\u1ec3 \u0111\u1ecdc c\u00e1c t\u00ecnh hu\u1ed1ng v\u00e0 v\u00ed d\u1ee5 t\u00ednh ti\u1ec1n \u1edf nh\u1eefng ph\u1ea7n ti\u1ebfp theo.<\/p>\n<\/div>\n

1. Hai l\u1edbp quy\u1ebft \u0111\u1ecbnh m\u1ee9c h\u01b0\u1edfng BHYT c\u1ee7a m\u1ed7i l\u1ea7n kh\u00e1m<\/h2>\n

L\u1edbp th\u1ee9 nh\u1ea5t l\u00e0 t\u1ef7 l\u1ec7 theo nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng, g\u1eafn v\u1edbi m\u00e3 quy\u1ec1n l\u1ee3i tr\u00ean th\u1ebb: to\u00e0n b\u1ed9 chi ph\u00ed, 95% ho\u1eb7c 80% chi ph\u00ed trong ph\u1ea1m vi \u0111\u01b0\u1ee3c h\u01b0\u1edfng. L\u1edbp th\u1ee9 hai l\u00e0 n\u01a1i b\u1ea1n \u0111\u1ebfn kh\u00e1m: \u0111\u00fang n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u, c\u00f3 gi\u1ea5y chuy\u1ec3n hay t\u1ef1 \u0111i. Khi t\u1ef1 \u0111i \u0111\u1ebfn c\u01a1 s\u1edf kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh, qu\u1ef9 ch\u1ec9 tr\u1ea3 m\u1ed9t ph\u1ea7n c\u1ee7a t\u1ef7 l\u1ec7 \u1edf l\u1edbp th\u1ee9 nh\u1ea5t, ch\u1eb3ng h\u1ea1n 40% c\u1ee7a m\u1ee9c 80%.<\/p>\n

Khung ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh l\u00e0 Lu\u1eadt B\u1ea3o hi\u1ec3m y t\u1ebf n\u0103m 2008, s\u1eeda \u0111\u1ed5i g\u1ea7n nh\u1ea5t b\u1edfi Lu\u1eadt s\u1ed1 51\/2024\/QH15 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb 01\/7\/2025, c\u00f9ng Ngh\u1ecb \u0111\u1ecbnh 188\/2025\/N\u0110-CP h\u01b0\u1edbng d\u1eabn thi h\u00e0nh. T\u1eeb 01\/01\/2026, Ngh\u1ecb quy\u1ebft 261\/2025\/QH15 c\u1ee7a Qu\u1ed1c h\u1ed9i n\u00e2ng th\u00eam hai nh\u00f3m l\u00ean m\u1ee9c h\u01b0\u1edfng \u0111\u1ee7 to\u00e0n b\u1ed9 chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n\n\n
T\u1ef7 l\u1ec7 theo nh\u00f3m<\/th>\nM\u1ed9t s\u1ed1 \u0111\u1ed1i t\u01b0\u1ee3ng ti\u00eau bi\u1ec3u<\/th>\nGhi ch\u00fa<\/th>\n<\/tr>\n
To\u00e0n b\u1ed9 chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i<\/td>\nTr\u1ebb em d\u01b0\u1edbi 6 tu\u1ed5i, ng\u01b0\u1eddi c\u00f3 c\u00f4ng v\u1edbi c\u00e1ch m\u1ea1ng, ng\u01b0\u1eddi thu\u1ed9c h\u1ed9 ngh\u00e8o, h\u1ed9 c\u1eadn ngh\u00e8o, ng\u01b0\u1eddi t\u1eeb \u0111\u1ee7 75 tu\u1ed5i h\u01b0\u1edfng tr\u1ee3 c\u1ea5p h\u01b0u tr\u00ed x\u00e3 h\u1ed9i<\/td>\nNh\u00f3m c\u1eadn ngh\u00e8o v\u00e0 ng\u01b0\u1eddi t\u1eeb \u0111\u1ee7 75 tu\u1ed5i \u00e1p d\u1ee5ng t\u1eeb 01\/01\/2026<\/td>\n<\/tr>\n
95% chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i<\/td>\nNg\u01b0\u1eddi h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u, tr\u1ee3 c\u1ea5p m\u1ea5t s\u1ee9c lao \u0111\u1ed9ng h\u1eb1ng th\u00e1ng<\/td>\nNg\u01b0\u1eddi b\u1ec7nh t\u1ef1 tr\u1ea3 5% c\u00f2n l\u1ea1i<\/td>\n<\/tr>\n
80% chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i<\/td>\nNg\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi tham gia theo h\u1ed9 gia \u0111\u00ecnh, h\u1ecdc sinh, sinh vi\u00ean v\u00e0 c\u00e1c nh\u00f3m c\u00f2n l\u1ea1i<\/td>\nNg\u01b0\u1eddi b\u1ec7nh t\u1ef1 tr\u1ea3 20%, g\u1ecdi l\u00e0 ph\u1ea7n c\u00f9ng chi tr\u1ea3<\/td>\n<\/tr>\n<\/table>\n

B\u1ea3ng ch\u1ec9 n\u00eau \u0111\u1ed1i t\u01b0\u1ee3ng ti\u00eau bi\u1ec3u; \u0111\u1ec3 bi\u1ebft m\u1ee9c h\u01b0\u1edfng BHYT c\u1ee7a ri\u00eang m\u00ecnh, b\u1ea1n xem m\u00e3 quy\u1ec1n l\u1ee3i tr\u00ean th\u1ebb theo h\u01b0\u1edbng d\u1eabn \u1edf ph\u1ea7n 5.<\/p>\n

2. T\u1eeb \u201ctuy\u1ebfn\u201d sang c\u1ea5p chuy\u00ean m\u00f4n k\u1ef9 thu\u1eadt<\/h2>\n

Tr\u01b0\u1edbc 01\/7\/2025, ng\u01b0\u1eddi b\u1ec7nh quen v\u1edbi \u0111\u00fang tuy\u1ebfn, tr\u00e1i tuy\u1ebfn, th\u00f4ng tuy\u1ebfn. Lu\u1eadt s\u1eeda \u0111\u1ed5i n\u0103m 2024 chuy\u1ec3n sang c\u00e1ch ph\u00e2n lo\u1ea1i theo Lu\u1eadt Kh\u00e1m b\u1ec7nh, ch\u1eefa b\u1ec7nh s\u1ed1 15\/2023\/QH15, chia c\u01a1 s\u1edf y t\u1ebf th\u00e0nh ba c\u1ea5p chuy\u00ean m\u00f4n k\u1ef9 thu\u1eadt. \u0110i\u1ec3m kh\u00f3 l\u00e0 t\u1ef7 l\u1ec7 thanh to\u00e1n \u1edf nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p v\u1eabn tham chi\u1ebfu vi\u1ec7c tr\u01b0\u1edbc 01\/01\/2025 c\u01a1 s\u1edf \u0111\u00f3 t\u1eebng l\u00e0 tuy\u1ebfn huy\u1ec7n, tuy\u1ebfn t\u1ec9nh hay tuy\u1ebfn trung \u01b0\u01a1ng.<\/p>\n

\u2013 C\u1ea5p kh\u00e1m b\u1ec7nh, ch\u1eefa b\u1ec7nh ban \u0111\u1ea7u g\u1ed3m tr\u1ea1m y t\u1ebf, ph\u00f2ng kh\u00e1m v\u00e0 nhi\u1ec1u c\u01a1 s\u1edf tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 tuy\u1ebfn x\u00e3, tuy\u1ebfn huy\u1ec7n.<\/p>\n

\u2013 C\u1ea5p kh\u00e1m b\u1ec7nh, ch\u1eefa b\u1ec7nh c\u01a1 b\u1ea3n g\u1ed3m ph\u1ea7n l\u1edbn b\u1ec7nh vi\u1ec7n \u0111a khoa khu v\u1ef1c v\u00e0 nhi\u1ec1u b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 tuy\u1ebfn t\u1ec9nh.<\/p>\n

\u2013 C\u1ea5p kh\u00e1m b\u1ec7nh, ch\u1eefa b\u1ec7nh chuy\u00ean s\u00e2u g\u1ed3m c\u00e1c b\u1ec7nh vi\u1ec7n k\u1ef9 thu\u1eadt cao, trong \u0111\u00f3 c\u00f3 nhi\u1ec1u b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 tuy\u1ebfn trung \u01b0\u01a1ng.<\/p>\n

Vi\u1ec7c x\u1ebfp c\u1ea5p d\u1ef1a tr\u00ean \u0111i\u1ec3m chuy\u00ean m\u00f4n, n\u00ean hai b\u1ec7nh vi\u1ec7n c\u00f9ng l\u00e0 b\u1ec7nh vi\u1ec7n t\u1ec9nh c\u00f3 th\u1ec3 thu\u1ed9c hai c\u1ea5p kh\u00e1c nhau. Khi ch\u01b0a r\u00f5 m\u1ee9c h\u01b0\u1edfng BHYT t\u1ea1i n\u01a1i \u0111\u1ecbnh kh\u00e1m, b\u1ea1n n\u00ean h\u1ecfi ph\u00f2ng b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc khi l\u00e0m th\u1ee7 t\u1ee5c.<\/p>\n

3. M\u1ee9c h\u01b0\u1edfng BHYT trong c\u00e1c t\u00ecnh hu\u1ed1ng ng\u01b0\u1eddi \u0111i l\u00e0m hay g\u1eb7p<\/h2>\n

M\u1ee9c h\u01b0\u1edfng BHYT khi \u0111i kh\u00e1m ch\u1eefa b\u1ec7nh thay \u0111\u1ed5i theo t\u1eebng t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3, n\u00ean b\u1ea3ng d\u01b0\u1edbi gi\u1ea3 \u0111\u1ecbnh ng\u01b0\u1eddi lao \u0111\u1ed9ng thu\u1ed9c nh\u00f3m 80%, \u0111\u0103ng k\u00fd kh\u00e1m ban \u0111\u1ea7u t\u1ea1i m\u1ed9t ph\u00f2ng kh\u00e1m \u0111a khoa g\u1ea7n nh\u00e0. V\u1edbi nh\u00f3m 95% hay nh\u00f3m h\u01b0\u1edfng \u0111\u1ee7, b\u1ea1n gi\u1eef t\u1ef7 l\u1ec7 c\u1ee7a n\u01a1i kh\u00e1m r\u1ed3i nh\u00e2n v\u1edbi t\u1ef7 l\u1ec7 nh\u00f3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n\n\n\n\n\n\n\n
T\u00ecnh hu\u1ed1ng<\/th>\nQu\u1ef9 thanh to\u00e1n<\/th>\nV\u1edbi ng\u01b0\u1eddi nh\u00f3m 80%<\/th>\n<\/tr>\n
Kh\u00e1m t\u1ea1i n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
T\u1ef1 \u0111i kh\u00e1m t\u1ea1i c\u01a1 s\u1edf c\u1ea5p ban \u0111\u1ea7u kh\u00e1c, \u1edf b\u1ea5t k\u1ef3 t\u1ec9nh n\u00e0o<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
T\u1ef1 \u0111i kh\u00e1m t\u1ea1i b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc 2025 l\u00e0 tuy\u1ebfn huy\u1ec7n<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
T\u1ef1 \u0111i \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa t\u1ea1i c\u01a1 s\u1edf c\u1ea5p c\u01a1 b\u1ea3n<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
T\u1ef1 \u0111i kh\u00e1m ngo\u1ea1i tr\u00fa t\u1ea1i b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc 2025 l\u00e0 tuy\u1ebfn t\u1ec9nh ho\u1eb7c trung \u01b0\u01a1ng<\/td>\n50% m\u1ee9c h\u01b0\u1edfng theo l\u1ed9 tr\u00ecnh t\u1eeb 01\/7\/2026<\/td>\n40% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
T\u1ef1 \u0111i \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa t\u1ea1i c\u01a1 s\u1edf c\u1ea5p chuy\u00ean s\u00e2u<\/td>\n40% m\u1ee9c h\u01b0\u1edfng<\/td>\n32% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
C\u1ea5p c\u1ee9u t\u1ea1i b\u1ea5t k\u1ef3 c\u01a1 s\u1edf kh\u00e1m ch\u1eefa b\u1ec7nh n\u00e0o<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n
C\u00f3 gi\u1ea5y chuy\u1ec3n c\u01a1 s\u1edf h\u1ee3p l\u1ec7 l\u00ean c\u1ea5p cao h\u01a1n<\/td>\n\u0110\u1ee7 m\u1ee9c h\u01b0\u1edfng<\/td>\n80% chi ph\u00ed trong ph\u1ea1m vi<\/td>\n<\/tr>\n<\/table>\n

M\u1ed9t s\u1ed1 c\u01a1 s\u1edf c\u1ea5p c\u01a1 b\u1ea3n \u00e1p d\u1ee5ng m\u1ee9c ngo\u1ea1i tr\u00fa t\u1eeb 50% \u0111\u1ebfn \u0111\u1ee7 m\u1ee9c h\u01b0\u1edfng t\u00f9y k\u1ebft qu\u1ea3 x\u1ebfp c\u1ea5p v\u00e0 l\u1ed9 tr\u00ecnh Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh. M\u1ed9t s\u1ed1 b\u1ec7nh, nh\u00f3m b\u1ec7nh thu\u1ed9c danh m\u1ee5c ban h\u00e0nh k\u00e8m Th\u00f4ng t\u01b0 01\/2025\/TT-BYT c\u1ee7a B\u1ed9 Y t\u1ebf v\u1eabn \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u1ee7 m\u1ee9c khi t\u1ef1 \u0111i kh\u00e1m ngo\u1ea1i tr\u00fa. \u1ede doanh nghi\u1ec7p, Chuy\u00ean vi\u00ean nh\u00e2n s\u1ef1 (HR Specialist) ho\u1eb7c Chuy\u00ean vi\u00ean C&B (Compensation & Benefits) th\u01b0\u1eddng h\u01b0\u1edbng d\u1eabn nh\u00e2n vi\u00ean \u0111\u0103ng k\u00fd n\u01a1i kh\u00e1m ban \u0111\u1ea7u. B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o vi\u1ec7c l\u00e0m nh\u00e2n s\u1ef1<\/a> tr\u00ean CareerLink \u0111\u1ec3 th\u1ea5y m\u1ea3ng ph\u00fac l\u1ee3i, b\u1ea3o hi\u1ec3m n\u1eb1m trong y\u00eau c\u1ea7u c\u1ee7a v\u1ecb tr\u00ed n\u00e0y ra sao.<\/p>\n

Kh\u00e1m \u1edf b\u1ec7nh vi\u1ec7n g\u1ea7n c\u00f4ng ty, kh\u00e1c t\u1ec9nh v\u1edbi n\u01a1i \u0111\u0103ng k\u00fd<\/h3>\n

Nhi\u1ec1u ng\u01b0\u1eddi l\u00e0m vi\u1ec7c \u1edf khu c\u00f4ng nghi\u1ec7p nh\u01b0ng th\u1ebb v\u1eabn \u0111\u0103ng k\u00fd \u1edf qu\u00ea. \u0110\u1ebfn ph\u00f2ng kh\u00e1m hay tr\u1ea1m y t\u1ebf c\u1ea5p ban \u0111\u1ea7u g\u1ea7n c\u00f4ng ty, b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u0111\u1ee7 m\u1ee9c. N\u1ebfu ch\u1ecdn th\u1eb3ng b\u1ec7nh vi\u1ec7n t\u1eebng l\u00e0 tuy\u1ebfn t\u1ec9nh \u0111\u1ec3 kh\u00e1m ngo\u1ea1i tr\u00fa, qu\u1ef9 ch\u1ec9 tr\u1ea3 m\u1ed9t n\u1eeda m\u1ee9c h\u01b0\u1edfng. Gi\u1ea3i ph\u00e1p l\u00e2u d\u00e0i l\u00e0 \u0111\u1ed5i n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u sang c\u01a1 s\u1edf g\u1ea7n ch\u1ed7 \u1edf ho\u1eb7c ch\u1ed7 l\u00e0m v\u00e0o \u0111\u1ea7u qu\u00fd.<\/p>\n

C\u1ea5p c\u1ee9u ban \u0111\u00eam<\/h3>\n

Khi c\u1ea5p c\u1ee9u, b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1ebfn b\u1ea5t k\u1ef3 c\u01a1 s\u1edf kh\u00e1m ch\u1eefa b\u1ec7nh n\u00e0o v\u00e0 h\u01b0\u1edfng \u0111\u00fang m\u1ee9c c\u1ee7a nh\u00f3m m\u00ecnh. B\u1ea1n n\u00ean xu\u1ea5t tr\u00ecnh th\u1ebb c\u0103n c\u01b0\u1edbc g\u1eafn chip ho\u1eb7c th\u1ebb tr\u00ean \u1ee9ng d\u1ee5ng tr\u01b0\u1edbc khi ra vi\u1ec7n. T\u00ecnh tr\u1ea1ng c\u1ea5p c\u1ee9u do b\u00e1c s\u0129 x\u00e1c \u0111\u1ecbnh v\u00e0 ghi v\u00e0o h\u1ed3 s\u01a1 b\u1ec7nh \u00e1n.<\/p>\n

M\u1ed5 \u1edf b\u1ec7nh vi\u1ec7n chuy\u00ean s\u00e2u<\/h3>\n

C\u00f3 gi\u1ea5y chuy\u1ec3n h\u1ee3p l\u1ec7 t\u1eeb c\u01a1 s\u1edf \u0111ang \u0111i\u1ec1u tr\u1ecb, ca m\u1ed5 \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u1ee7 m\u1ee9c. T\u1ef1 \u0111\u1ebfn b\u1ec7nh vi\u1ec7n c\u1ea5p chuy\u00ean s\u00e2u \u0111\u1ec3 n\u1eb1m vi\u1ec7n m\u00e0 kh\u00f4ng c\u00f3 gi\u1ea5y chuy\u1ec3n th\u00ec qu\u1ef9 ch\u1ec9 tr\u1ea3 40% m\u1ee9c h\u01b0\u1edfng. Ngo\u1ea1i l\u1ec7 l\u00e0 ng\u01b0\u1eddi m\u1eafc b\u1ec7nh hi\u1ebfm, b\u1ec7nh hi\u1ec3m ngh\u00e8o ho\u1eb7c b\u1ec7nh c\u1ea7n ph\u1eabu thu\u1eadt, k\u1ef9 thu\u1eadt cao thu\u1ed9c danh m\u1ee5c do B\u1ed9 Y t\u1ebf ban h\u00e0nh; nh\u00f3m n\u00e0y \u0111\u01b0\u1ee3c kh\u00e1m th\u1eb3ng t\u1ea1i c\u01a1 s\u1edf chuy\u00ean s\u00e2u v\u00e0 h\u01b0\u1edfng \u0111\u1ee7 m\u1ee9c.<\/p>\n

4. Chi ph\u00ed th\u1ea5p, 5 n\u0103m li\u00ean t\u1ee5c v\u00e0 v\u00ed d\u1ee5 t\u00ednh ti\u1ec1n<\/h2>\n

Ngo\u00e0i t\u1ef7 l\u1ec7 c\u01a1 b\u1ea3n, c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p m\u1ee9c h\u01b0\u1edfng BHYT khi \u0111i kh\u00e1m ch\u1eefa b\u1ec7nh \u0111\u01b0\u1ee3c n\u00e2ng l\u00ean to\u00e0n b\u1ed9 chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i. C\u00e1c ng\u01b0\u1ee1ng t\u00ednh theo m\u1ee9c tham chi\u1ebfu, hi\u1ec7n b\u1eb1ng m\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf 2.530.000 \u0111\u1ed3ng\/th\u00e1ng k\u1ec3 t\u1eeb 01\/7\/2026.<\/p>\n

\u2013 Khi chi ph\u00ed m\u1ed9t l\u1ea7n kh\u00e1m th\u1ea5p h\u01a1n 15% m\u1ee9c tham chi\u1ebfu, t\u1ee9c d\u01b0\u1edbi 379.500 \u0111\u1ed3ng, qu\u1ef9 tr\u1ea3 to\u00e0n b\u1ed9 ph\u1ea7n trong ph\u1ea1m vi.<\/p>\n

\u2013 Khi kh\u00e1m t\u1ea1i tr\u1ea1m y t\u1ebf x\u00e3, ph\u01b0\u1eddng ho\u1eb7c ph\u00f2ng kh\u00e1m qu\u00e2n d\u00e2n y, ng\u01b0\u1eddi b\u1ec7nh \u0111\u01b0\u1ee3c thanh to\u00e1n to\u00e0n b\u1ed9 chi ph\u00ed trong ph\u1ea1m vi.<\/p>\n

\u2013 Khi tham gia \u0111\u1ee7 5 n\u0103m li\u00ean t\u1ee5c v\u00e0 ph\u1ea7n c\u00f9ng chi tr\u1ea3 trong n\u0103m v\u01b0\u1ee3t 6 l\u1ea7n m\u1ee9c tham chi\u1ebfu, t\u1ee9c 15.180.000 \u0111\u1ed3ng, ph\u1ea7n v\u01b0\u1ee3t \u0111\u01b0\u1ee3c qu\u1ef9 tr\u1ea3.<\/p>\n

\u01afu \u0111\u00e3i 5 n\u0103m li\u00ean t\u1ee5c kh\u00f4ng \u00e1p d\u1ee5ng cho chi ph\u00ed khi t\u1ef1 \u0111i kh\u00e1m kh\u00f4ng \u0111\u00fang n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u. \u0110i\u1ec1u ki\u1ec7n v\u00e0 h\u1ed3 s\u01a1 c\u1ee7a quy\u1ec1n l\u1ee3i n\u00e0y \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y trong b\u00e0i B\u1ea3o hi\u1ec3m y t\u1ebf 5 n\u0103m li\u00ean t\u1ee5c c\u00f3 quy\u1ec1n l\u1ee3i g\u00ec v\u00e0 c\u1ea7n \u0111i\u1ec1u ki\u1ec7n n\u00e0o<\/a>, n\u00ean ph\u1ea7n n\u00e0y ch\u1ec9 d\u1eebng \u1edf c\u00e1ch t\u00ednh.<\/p>\n

V\u00ed d\u1ee5: c\u00f9ng m\u1ed9t ca n\u1eb1m vi\u1ec7n 20 tri\u1ec7u \u0111\u1ed3ng<\/h3>\n

Ch\u1ecb Lan, nh\u00e2n vi\u00ean v\u0103n ph\u00f2ng nh\u00f3m 80%, n\u1eb1m vi\u1ec7n h\u1ebft 20.000.000 \u0111\u1ed3ng chi ph\u00ed trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i. T\u1ea1i c\u01a1 s\u1edf c\u1ea5p c\u01a1 b\u1ea3n, qu\u1ef9 tr\u1ea3 16.000.000 \u0111\u1ed3ng, ch\u1ecb c\u00f9ng chi tr\u1ea3 4.000.000 \u0111\u1ed3ng. T\u1ef1 \u0111\u1ebfn c\u01a1 s\u1edf c\u1ea5p chuy\u00ean s\u00e2u kh\u00f4ng c\u00f3 gi\u1ea5y chuy\u1ec3n, qu\u1ef9 tr\u1ea3 40% c\u1ee7a 80%, t\u1ee9c 6.400.000 \u0111\u1ed3ng, ch\u1ecb t\u1ef1 tr\u1ea3 13.600.000 \u0111\u1ed3ng. Kho\u1ea3n ch\u00eanh h\u01a1n 9 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn t\u1eeb m\u1ed9t t\u1edd gi\u1ea5y chuy\u1ec3n. N\u1ebfu ch\u1ecb \u0111\u1ee7 5 n\u0103m li\u00ean t\u1ee5c v\u00e0 kho\u1ea3n c\u00f9ng chi tr\u1ea3 trong n\u0103m cho c\u00e1c l\u1ea7n kh\u00e1m \u0111\u00fang quy \u0111\u1ecbnh \u0111\u00e3 v\u01b0\u1ee3t 15.180.000 \u0111\u1ed3ng, ph\u1ea7n v\u01b0\u1ee3t \u0111\u01b0\u1ee3c qu\u1ef9 thanh to\u00e1n.<\/p>\n

\n

M\u1ee9c h\u01b0\u1edfng ghi tr\u00ean th\u1ebb m\u1edbi ch\u1ec9 l\u00e0 m\u1ed9t n\u1eeda c\u00e2u chuy\u1ec7n; n\u01a1i b\u1ea1n b\u01b0\u1edbc v\u00e0o v\u00e0 gi\u1ea5y t\u1edd b\u1ea1n c\u1ea7m theo quy\u1ebft \u0111\u1ecbnh n\u1eeda c\u00f2n l\u1ea1i.<\/em><\/p>\n<\/blockquote>\n

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L\u01b0u \u00fd tr\u01b0\u1edbc khi t\u00ednh chi ph\u00ed<\/strong><\/p>\n

\u2013 T\u1ef7 l\u1ec7 80% hay 95% ch\u1ec9 \u00e1p d\u1ee5ng cho chi ph\u00ed n\u1eb1m trong ph\u1ea1m vi quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m y t\u1ebf.<\/p>\n

\u2013 Ph\u00f2ng d\u1ecbch v\u1ee5, kh\u00e1m theo y\u00eau c\u1ea7u v\u00e0 thu\u1ed1c ngo\u00e0i danh m\u1ee5c ph\u00e1t sinh ph\u1ea7n ng\u01b0\u1eddi b\u1ec7nh t\u1ef1 tr\u1ea3.<\/p>\n

\u2013 M\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf thay \u0111\u1ed5i th\u00ec ng\u01b0\u1ee1ng 15% v\u00e0 ng\u01b0\u1ee1ng 6 l\u1ea7n m\u1ee9c tham chi\u1ebfu c\u0169ng thay \u0111\u1ed5i theo.<\/p>\n

Ba l\u01b0u \u00fd n\u00e0y gi\u1ea3i th\u00edch v\u00ec sao h\u00f3a \u0111\u01a1n th\u1ef1c t\u1ebf th\u01b0\u1eddng cao h\u01a1n con s\u1ed1 t\u00ednh nhanh theo t\u1ef7 l\u1ec7.<\/p>\n<\/div>\n

Khi nh\u1eadn b\u1ea3ng k\u00ea ra vi\u1ec7n, b\u1ea1n n\u00ean \u0111\u1ed1i chi\u1ebfu c\u1ed9t qu\u1ef9 thanh to\u00e1n v\u1edbi c\u1ed9t ng\u01b0\u1eddi b\u1ec7nh tr\u1ea3.<\/p>\n

\"m\u1ee9c<\/p>\n

5. Gi\u1ea5y t\u1edd c\u1ea7n mang v\u00e0 c\u00e1ch tra m\u1ee9c h\u01b0\u1edfng BHYT tr\u00ean th\u1ebb, VssID<\/h2>\n

T\u1eeb 01\/6\/2025, c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i d\u1eebng c\u1ea5p th\u1ebb gi\u1ea5y cho ph\u1ea7n l\u1edbn ng\u01b0\u1eddi tham gia. Khi \u0111i kh\u00e1m, b\u1ea1n \u0111\u01b0a th\u1ebb c\u0103n c\u01b0\u1edbc ho\u1eb7c c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n g\u1eafn chip \u0111\u1ec3 nh\u00e2n vi\u00ean qu\u00e9t m\u00e3, ho\u1eb7c m\u1edf h\u00ecnh \u1ea3nh th\u1ebb tr\u00ean \u1ee9ng d\u1ee5ng VssID c\u1ee7a B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i Vi\u1ec7t Nam hay VNeID c\u1ee7a B\u1ed9 C\u00f4ng an. Khi kh\u00e1m \u1edf c\u01a1 s\u1edf kh\u00e1c n\u01a1i \u0111\u0103ng k\u00fd, b\u1ea1n mang th\u00eam gi\u1ea5y chuy\u1ec3n c\u01a1 s\u1edf ho\u1eb7c gi\u1ea5y h\u1eb9n kh\u00e1m l\u1ea1i n\u1ebfu c\u00f3.<\/p>\n

\u0110\u1ec3 t\u1ef1 tra m\u1ee9c h\u01b0\u1edfng BHYT, b\u1ea1n xem m\u00e3 th\u1ebb 15 k\u00fd t\u1ef1: hai ch\u1eef c\u00e1i \u0111\u1ea7u l\u00e0 m\u00e3 nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng, k\u00fd t\u1ef1 th\u1ee9 ba l\u00e0 m\u00e3 quy\u1ec1n l\u1ee3i. M\u00e3 1 v\u00e0 2 t\u01b0\u01a1ng \u1ee9ng m\u1ee9c h\u01b0\u1edfng \u0111\u1ee7, m\u00e3 3 l\u00e0 95%, m\u00e3 4 l\u00e0 80%. Tr\u00ean VssID, m\u1ee5c th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf hi\u1ec3n th\u1ecb m\u00e3 th\u1ebb, n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u v\u00e0 th\u00f4ng tin th\u1eddi gian tham gia. H\u1ed9 c\u1eadn ngh\u00e8o v\u00e0 ng\u01b0\u1eddi t\u1eeb \u0111\u1ee7 75 tu\u1ed5i h\u01b0\u1edfng tr\u1ee3 c\u1ea5p h\u01b0u tr\u00ed x\u00e3 h\u1ed9i \u0111\u01b0\u1ee3c chuy\u1ec3n m\u00e3 quy\u1ec1n l\u1ee3i t\u1eeb 01\/01\/2026, n\u00ean ng\u01b0\u1eddi thu\u1ed9c hai nh\u00f3m n\u00e0y c\u1ea7n ki\u1ec3m tra l\u1ea1i th\u1ebb.<\/p>\n

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L\u1eddi khuy\u00ean cho ng\u01b0\u1eddi \u0111i l\u00e0m<\/strong><\/p>\n

\u2013 B\u1ea1n n\u00ean \u0111\u0103ng k\u00fd n\u01a1i kh\u00e1m ban \u0111\u1ea7u g\u1ea7n ch\u1ed7 \u1edf ho\u1eb7c ch\u1ed7 l\u00e0m thay v\u00ec \u0111\u1ec3 nguy\u00ean \u1edf qu\u00ea.<\/p>\n

\u2013 B\u1ea1n h\u00e3y c\u00e0i VssID v\u00e0 ki\u1ec3m tra m\u00e3 quy\u1ec1n l\u1ee3i, n\u01a1i \u0111\u0103ng k\u00fd tr\u01b0\u1edbc khi c\u1ea7n \u0111i kh\u00e1m.<\/p>\n

\u2013 B\u1ea1n n\u00ean h\u1ecfi qu\u1ea7y ti\u1ebfp \u0111\u00f3n v\u1ec1 c\u1ea5p chuy\u00ean m\u00f4n c\u1ee7a b\u1ec7nh vi\u1ec7n tr\u01b0\u1edbc khi kh\u00e1m ngo\u1ea1i tr\u00fa.<\/p>\n

Ba th\u00f3i quen n\u00e0y gi\u00fap b\u1ea1n \u01b0\u1edbc t\u00ednh tr\u01b0\u1edbc ph\u1ea7n t\u1ef1 tr\u1ea3, tr\u00e1nh b\u1ea5t ng\u1edd khi nh\u1eadn b\u1ea3ng k\u00ea ra vi\u1ec7n.<\/p>\n<\/div>\n

Th\u00f4ng tin th\u1ebb ch\u01b0a \u0111\u00fang th\u00ec b\u1ea1n li\u00ean h\u1ec7 b\u1ed9 ph\u1eadn nh\u00e2n s\u1ef1 c\u00f4ng ty ho\u1eb7c c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh.<\/p>\n

6. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n

1. Kh\u00e1m ngo\u00e0i gi\u1edd h\u00e0nh ch\u00ednh c\u00f3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m y t\u1ebf kh\u00f4ng?<\/em><\/strong> C\u00f3, n\u1ebfu c\u01a1 s\u1edf t\u1ed5 ch\u1ee9c kh\u00e1m b\u1ea3o hi\u1ec3m y t\u1ebf ngo\u00e0i gi\u1edd; ph\u1ea7n ch\u00eanh l\u1ec7ch gi\u00e1 d\u1ecbch v\u1ee5 theo y\u00eau c\u1ea7u do ng\u01b0\u1eddi b\u1ec7nh t\u1ef1 tr\u1ea3.<\/p>\n

2. Kh\u00e1m \u1edf ph\u00f2ng kh\u00e1m t\u01b0 c\u00f3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng kh\u00f4ng?<\/em><\/strong> \u0110\u01b0\u1ee3c n\u1ebfu ph\u00f2ng kh\u00e1m c\u00f3 h\u1ee3p \u0111\u1ed3ng kh\u00e1m ch\u1eefa b\u1ec7nh b\u1ea3o hi\u1ec3m y t\u1ebf; t\u1ef7 l\u1ec7 t\u00ednh theo c\u1ea5p chuy\u00ean m\u00f4n c\u1ee7a c\u01a1 s\u1edf \u0111\u00f3.<\/p>\n

3. Ngh\u1ec9 vi\u1ec7c th\u00ec th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f2n d\u00f9ng \u0111\u01b0\u1ee3c kh\u00f4ng?<\/em><\/strong> Th\u1ebb do doanh nghi\u1ec7p \u0111\u00f3ng th\u01b0\u1eddng h\u1ebft gi\u00e1 tr\u1ecb sau khi c\u00f4ng ty b\u00e1o gi\u1ea3m; b\u1ea1n c\u1ea7n tham gia theo di\u1ec7n kh\u00e1c, ho\u1eb7c \u0111\u01b0\u1ee3c c\u1ea5p th\u1ebb n\u1ebfu h\u01b0\u1edfng tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p.<\/p>\n

Hi\u1ec3u \u0111\u00fang quy \u0111\u1ecbnh gi\u00fap b\u1ea1n ch\u1ee7 \u0111\u1ed9ng h\u01a1n khi \u0111\u1ebfn b\u1ec7nh vi\u1ec7n. M\u1ee9c h\u01b0\u1edfng BHYT khi \u0111i kh\u00e1m ch\u1eefa b\u1ec7nh<\/strong> \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng tr\u00ean th\u1ebb, c\u1ea5p chuy\u00ean m\u00f4n k\u1ef9 thu\u1eadt c\u1ee7a c\u01a1 s\u1edf v\u00e0 vi\u1ec7c c\u00f3 gi\u1ea5y chuy\u1ec3n hay kh\u00f4ng. H\u00e3y d\u00e0nh v\u00e0i ph\u00fat m\u1edf VssID, ki\u1ec3m tra m\u00e3 quy\u1ec1n l\u1ee3i v\u00e0 n\u01a1i \u0111\u0103ng k\u00fd ban \u0111\u1ea7u, r\u1ed3i \u0111\u1ed5i sang c\u01a1 s\u1edf thu\u1eadn ti\u1ec7n n\u1ebfu c\u1ea7n.<\/p>\n

B\u00e0i vi\u1ebft mang t\u00ednh tham kh\u1ea3o, t\u1ed5ng h\u1ee3p theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh t\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft; m\u1ee9c thanh to\u00e1n c\u1ee5 th\u1ec3 do c\u01a1 s\u1edf kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i x\u00e1c \u0111\u1ecbnh theo t\u1eebng h\u1ed3 s\u01a1.<\/em><\/p>\n

Minh An<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u1ea7m th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf \u0111i kh\u00e1m, nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u1eabn kh\u00f4ng r\u00f5 qu\u1ef9 tr\u1ea3 bao nhi\u00eau. B\u00e0i vi\u1ebft gi\u1ea3i th\u00edch m\u1ee9c h\u01b0\u1edfng …<\/p>\n","protected":false},"author":58,"featured_media":31054,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[47],"tags":[],"class_list":["post-31074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-luat-lao-dong"],"_links":{"self":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/31074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/comments?post=31074"}],"version-history":[{"count":1,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/31074\/revisions"}],"predecessor-version":[{"id":31075,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/posts\/31074\/revisions\/31075"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media\/31054"}],"wp:attachment":[{"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/media?parent=31074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/categories?post=31074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.careerlink.vn\/cam-nang-viec-lam\/wp-json\/wp\/v2\/tags?post=31074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}