BHYT Cost Calculator Online
How much Vietnamese health insurance pays for a visit or stay: card level, right route or self-referral by facility level, 5-year and small-bill rules.
Result
Press “Run” to see the result.
Give the covered cost and the card code (the benefit level is read from it, as in bhyt-check) or level 1–5, plus the visit (outpatient / inpatient), the facility level under the 2023 medical examination law (primary cấp ban đầu, basic cấp cơ bản, specialized cấp chuyên sâu, with former_level district / provincial / central) and the route (right, self for self-referral, emergency). The API applies Luật BHYT Điều 22 as amended by Luật 51/2024/QH15 and NĐ 188/2025/NĐ-CP: card rate 100 / 95 / 80 %; self-referral 100 % at primary and former district facilities, inpatient 100 % at former provincial facilities, outpatient 50 % there from 1/7/2026 (0 % before), 40 % inpatient at other specialised hospitals, 100 % for diseases on the Ministry of Health lists (listed_disease) and for remote-area cases (remote_area); emergencies count as right route.
It also applies 100 % when one visit costs less than 15 % of the base salary (379,500 VND from 1/7/2026), at primary facilities, and after 5 consecutive years once co-payments in the year exceed 6 months of base salary (15,180,000 VND; pass five_years and copay_paid, and copay_h1 for the 2026 mid-year change). The response lists fund_pays, patient_pays and every rule applied. Drug and service caps and out-of-list items are not modelled.
Use this in your code
curl "https://apibox.io.vn/v1/vn-bhyt-cost?card=DN4797931234567&cost=1000000&facility=basic&former_level=provincial&route=self&date=2026-11-11" \
-H "Authorization: Bearer YOUR_API_KEY"const res = await fetch('https://apibox.io.vn/v1/vn-bhyt-cost?card=DN4797931234567&cost=1000000&facility=basic&former_level=provincial&route=self&date=2026-11-11', {
method: 'GET',
headers: {
Authorization: 'Bearer YOUR_API_KEY',
},
});
const data = await res.json();
console.log(data);import requests
res = requests.get(
"https://apibox.io.vn/v1/vn-bhyt-cost?card=DN4797931234567&cost=1000000&facility=basic&former_level=provincial&route=self&date=2026-11-11",
headers={"Authorization": "Bearer YOUR_API_KEY"},
timeout=30,
)
print(res.json())<?php
$ch = curl_init('https://apibox.io.vn/v1/vn-bhyt-cost?card=DN4797931234567&cost=1000000&facility=basic&former_level=provincial&route=self&date=2026-11-11');
curl_setopt_array($ch, [
CURLOPT_RETURNTRANSFER => true,
CURLOPT_HTTPHEADER => ['Authorization: Bearer YOUR_API_KEY'],
]);
$response = curl_exec($ch);
print_r(json_decode($response, true));API documentation → Get a free API key
FAQ
What does “former_level” mean?
Since 2025 facilities are graded primary / basic / specialised; the self-referral rate still depends on the facility’s old district, provincial or central level (or its score).
Does it read the card from the government portal?
No: the benefit level is decoded from the card code structure. Validity dates and the registered clinic are not checked.
Are drug caps included?
No: pass only the cost within the BHYT scope at the BHYT price; out_of_scope_cost is paid by the patient except with level 5 cards.