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Co-payment is the percentage of the medical cost that the patient must pay after the Social Health Insurance (SHI) covers its portion, according to the patient’s SHI card benefit entitlement.
Example: If the cost within SHI scope is 1,000,000 VND, and your card covers 80%:

The SHI fund covers 100% of medical expenses based on the SHI rates. You must self-pay for the following costs:

In summary, 100% SHI coverage only applies to services included in the official coverage list and rates. Any medical services outside this scope must be paid by the patient.

SHI reimbursement is based on state-regulated prices. FV Hospital always strives to support patients to maximize SHI reimbursement within these limits.

Reimbursement depends on several factors during treatment:

Yes, under specific conditions. According to Clause 1, Point c, Article 22 of the Health Insurance Law, patients who use correct-line medical services will have 100% of costs covered if they meet these two conditions:

Yes, under specific conditions. According to Clause 1, Point c, Article 22 of the Health Insurance Law, patients who use correct-line medical services will have 100% of costs covered if they meet these two conditions:

Yes. All medicines must meet strict standards for quality, efficacy, and safety before use. At FV Hospital, there is no difference in quality or prescription process between SI medicines and self-paid (non-SHI) medicines.

Application at FV Hospital:

Yes, you can use state SI along with private/international insurance (on FV’s direct-billing list) to maximize benefits and reduce costs.

Payment Process at FV Hospital:

FV Hospital provides high-quality medical services with highly specialized doctors and modern equipment, having achieved JCI international accreditation 4 consecutive times. Choosing FV as your primary care hospital gives you:

Even if additional costs outside SI arise, you receive a premium healthcare experience.

Not always. This depends on whether you are seeking outpatient or inpatient care:

Outpatient Treatment: A referral is required unless:

Inpatient Treatment: A referral is not required to apply SHI.

For outpatient care, a referral letter ensures correct-line treatment according to SI rules and maximizes benefits. Without it, patients may not receive SI coverage for outpatient care at FV.

Yes. In cases of severe illness or emergency, patients can go directly to the Emergency Department and still receive SI benefits without a referral.

Patients with severe or rare diseases (on the approved list in Circular 01/2025/TT-BYT) are also allowed to go directly to specialized facilities for treatment and receive full BHYT benefits without a referral.

Yes, you can use your SI card at FV Hospital if you meet one of the following conditions:

If not yet purchased, SI can be obtained via local social insurance offices, agents, or the National Public Service Portal, and FV can be registered as the primary care facility.



If your SI card is registered elsewhere (for outpatient care): You are entitled to correct line SI benefits at FV if you meet one of the following conditions:

The consultation team at FV Hospital can assist you in checking your BHYT card’s validity, or you can check the expiration date yourself on the Social Insurance website via the link: Here

Yes. You can still apply SI benefits if you provide one of the following: