{"id":26337,"date":"2025-03-01T09:00:00","date_gmt":"2025-03-01T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=26337"},"modified":"2026-01-23T12:53:34","modified_gmt":"2026-01-23T05:53:34","slug":"bao-hiem-suc-khoe-khoang-trong-tai-chinh-khong-the-bo-qua","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/company-letters\/bao-hiem-suc-khoe-khoang-trong-tai-chinh-khong-the-bo-qua\/","title":{"rendered":"B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe &#8211; Kho\u1ea3ng tr\u1ed1ng t\u00e0i ch\u00ednh kh\u00f4ng th\u1ec3 b\u1ecf qua"},"content":{"rendered":"\n<p><em>(Scroll down for English)<\/em><\/p>\n\n\n\n<p>Vi\u1ec7t Nam \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t th\u1ef1c t\u1ebf \u0111\u00e1ng lo ng\u1ea1i:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>43-45% chi ph\u00ed y t\u1ebf v\u1eabn do ng\u01b0\u1eddi d\u00e2n t\u1ef1 chi tr\u1ea3, g\u1ea7n g\u1ea5p \u0111\u00f4i m\u1ee9c WHO khuy\u1ebfn ngh\u1ecb.<\/li>\n\n\n\n<li>65% h\u1ed9 gia \u0111\u00ecnh ch\u1ecbu \u00e1p l\u1ef1c t\u00e0i ch\u00ednh nghi\u00eam tr\u1ecdng khi g\u1eb7p bi\u1ebfn c\u1ed1 s\u1ee9c kh\u1ecfe.<\/li>\n\n\n\n<li>L\u1ea1m ph\u00e1t y t\u1ebf 6.7%\/n\u0103m, t\u0103ng nhanh h\u01a1n l\u1ea1m ph\u00e1t chung, \u0111\u1ea9y chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh l\u00ean cao.<\/li>\n\n\n\n<li>92% d\u00e2n s\u1ed1 c\u00f3 BHYT c\u00f4ng, nh\u01b0ng Qu\u1ef9 BHYT t\u1eebng b\u1ed9i chi h\u01a1n 2.300 t\u1ef7 \u0111\u1ed3ng, cho th\u1ea5y h\u1ec7 th\u1ed1ng y t\u1ebf v\u1eabn ch\u1ecbu \u00e1p l\u1ef1c l\u1edbn.<\/li>\n<\/ul>\n\n\n\n<p>V\u1eady ch\u00fang ta c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 hay v\u1eabn \u0111ang \u0111\u00e1nh c\u01b0\u1ee3c v\u1edbi s\u1ee9c kh\u1ecfe c\u1ee7a ch\u00ednh m\u00ecnh? \u0110\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n nh\u1eefng gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m linh ho\u1ea1t h\u01a1n \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh tr\u01b0\u1edbc r\u1ee7i ro s\u1ee9c kh\u1ecfe. B\u1ea1n ngh\u0129 sao?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>V\u1ec0 CH\u00daNG T\u00d4I<\/strong>&nbsp;<\/h3>\n\n\n\n<p>\u0110\u01b0\u1ee3c th\u00e0nh l\u1eadp v\u1edbi vai tr\u00f2 <strong>\u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m<\/strong> v\u00e0o n\u0103m 2022 v\u00e0 m\u1edf r\u1ed9ng sang <strong>m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m<\/strong> v\u00e0o n\u0103m 2023, <strong>Saladin<\/strong> l\u00e0 m\u1ed9t <strong>n\u1ec1n t\u1ea3ng t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7<\/strong>, \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng t\u1ea1i Vi\u1ec7t Nam \u2014 <strong>cho Vi\u1ec7t Nam<\/strong>.<\/p>\n\n\n\n<p>T\u00ean g\u1ecdi <em>Saladin<\/em> \u0111\u1ea1i di\u1ec7n cho <strong>Salad Insurance<\/strong> v\u00e0 <strong>Salad Investment<\/strong> \u2014 ni\u1ec1m tin r\u1eb1ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n ph\u1ea3i <strong>minh b\u1ea1ch, linh ho\u1ea1t theo t\u1eebng c\u1ea5u ph\u1ea7n, h\u1ee3p l\u00fd v\u1ec1 chi ph\u00ed v\u00e0 d\u1ec5 hi\u1ec3u<\/strong>, gi\u1ed1ng nh\u01b0 m\u1ed9t m\u00f3n salad \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng. M\u1ed7i th\u00e0nh ph\u1ea7n \u0111\u1ec1u r\u00f5 r\u00e0ng. Kh\u00f4ng c\u00f3 g\u00ec b\u1ecb che gi\u1ea5u. B\u1ea1n l\u00e0 ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn gi\u1ea3i ph\u00e1p th\u1ef1c s\u1ef1 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p>Saladin l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c <strong>\u0111\u1ed9c l\u1eadp ho\u00e0n to\u00e0n<\/strong>. Ch\u00fang t\u00f4i kh\u00f4ng thu\u1ed9c s\u1edf h\u1eefu, kh\u00f4ng \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 v\u00e0 kh\u00f4ng ch\u1ecbu \u1ea3nh h\u01b0\u1edfng b\u1edfi b\u1ea5t k\u1ef3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o t\u1ea1i Vi\u1ec7t Nam. Ch\u00fang t\u00f4i kh\u00f4ng b\u1ecb \u00e1p l\u1ef1c ph\u1ea3i \u01b0u ti\u00ean l\u1ee3i nhu\u1eadn hay l\u1ee3i \u00edch c\u1ed5 \u0111\u00f4ng c\u1ee7a b\u1ea5t k\u1ef3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e0o <strong>tr\u00ean to\u00e0n b\u1ed9 h\u00e0nh tr\u00ecnh tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/strong> \u2014 t\u1eeb giai \u0111o\u1ea1n t\u00ecm hi\u1ec3u, c\u00e2n nh\u1eafc, mua s\u1ea3n ph\u1ea9m cho \u0111\u1ebfn b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Health insurance \u2013 A financial gap we can\u2019t afford to ignore<\/h1>\n\n\n\n<p>Vietnam is facing a concerning reality:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>43-45% of medical costs are still out-of-pocket, nearly double WHO\u2019s recommendation.<\/li>\n\n\n\n<li>65% of households experience severe financial strain due to unexpected health issues.<\/li>\n\n\n\n<li>Healthcare inflation at 6.7% per year, outpacing general inflation and driving up medical expenses.<\/li>\n\n\n\n<li>92% of the population has public health insurance, yet the fund once ran a 2,300+ billion VND deficit, highlighting ongoing financial pressures.<\/li>\n<\/ul>\n\n\n\n<p>Are we truly protected or just taking a chance with our health? It&#8217;s time for more flexible insurance solutions to safeguard finances against medical risks. What\u2019s your take<\/p>\n\n\n\n<p>Source:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.mof.gov.vn\/\">mof.gov.vn<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/assets.aon.com\/-\/media\/files\/aon\/reports\/2024-aon-global-medical-trend-rates-report.pdf\">AON<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/moh.gov.vn\/tin-lien-quan\/-\/asset_publisher\/vjYyM7O9aWnX\/content\/bao-phu-bao-hiem-y-te-tang-nhanh-va-ben-vung\">moh.gov.vn<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>ABOUT US<\/strong><\/h3>\n\n\n\n<p>Founded as an insurance agency in 2022 and expanded into brokerage in 2023, <strong>Saladin<\/strong> is a homegrown, technology-enabled insurance advisory platform built in Vietnam, for Vietnam.<\/p>\n\n\n\n<p>The name <em>Saladin<\/em> stands for <strong>Salad Insurance<\/strong> and <strong>Salad Investment<\/strong> \u2014 a belief that insurance and investment should be as transparent, modular, affordable, and easy to understand as a well-prepared salad. Each component is clear. Nothing is hidden. You choose what truly fits your needs.<\/p>\n\n\n\n<p>Saladin is <strong>fully independent<\/strong>. We are not owned, funded, or influenced by any insurance company in Vietnam. We are not pressured to prioritize any insurer\u2019s profit, or shareholder interests over our clients\u2019 well-being in any stage of customer experience, from searching, consideration to purchase and claim. Instead, we are backed by long-term, global investors who believe in Vietnam\u2019s fundamentals and trust the country\u2019s financial services sector to rise to international standards over decades.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Scroll down for English) Vi\u1ec7t Nam \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t th\u1ef1c t\u1ebf \u0111\u00e1ng lo ng\u1ea1i: V\u1eady ch\u00fang ta c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 hay v\u1eabn \u0111ang \u0111\u00e1nh c\u01b0\u1ee3c [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":26340,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[820],"tags":[],"class_list":["post-26337","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-company-letters"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2026\/01\/23104359\/bao-hiem-suc-khoe-khoang-trong-tai-chinh.jpg","author_info":{"display_name":"SALADIN","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladin\/"},"author_meta":{"display_name":"SALADIN","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladin\/"},"featured_img":"https:\/\/cdn-blog.saladin.vn\/contents\/2026\/01\/23104359\/bao-hiem-suc-khoe-khoang-trong-tai-chinh-300x151.jpg","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/company-letters\/\" class=\"advgb-post-tax-term\">Company Letters<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">Company Letters<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 1 year ago","modified":"Updated 3 months ago"},"absolute_dates":{"created":"Posted on 01\/03\/2025","modified":"Updated on 23\/01\/2026"},"absolute_dates_time":{"created":"Posted on 01\/03\/2025 9:00 AM","modified":"Updated on 23\/01\/2026 12:53 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/26337","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/comments?post=26337"}],"version-history":[{"count":5,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/26337\/revisions"}],"predecessor-version":[{"id":26354,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/26337\/revisions\/26354"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/26340"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=26337"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=26337"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=26337"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}