Voluntary Social Insurance Calculator VN

Monthly, 3/6/12-month or multi-year voluntary BHXH contributions with state and provincial support, and household BHYT for each member.

Result

Press “Run” to see the result.

Voluntary social insurance (BHXH tự nguyện, Luật BHXH 2024 and NĐ 159/2025/NĐ-CP): 22 % of the chosen income, from the rural poverty line (1,500,000 VND in 2026) to 20 × the reference level (50,600,000 VND from 1/7/2026). State support is 50 % (poor households, island communes), 40 % (near-poor), 30 % (ethnic minorities) or 20 % (others) of 22 % × the poverty line, for at most 10 years; the API adds the provincial top-up where we have verified it (coverage: Hà Nội, TP.HCM, Hải Phòng, Đà Nẵng) and flags unverified sources. Methods: monthly, 3, 6, 12 months, advance for 2–5 years ahead (discounted with the fund’s monthly investment rate) and missing for the missing months at retirement age.

Household health insurance (BHYT hộ gia đình, NĐ 188/2025/NĐ-CP): 4.5 % of the base salary for the first member, 70 %, 60 %, 50 % and 40 % of that for the 2nd, 3rd, 4th and 5th+ members, paid for 3, 6 or 12 months, with provincial support for some cases (e.g. people aged 65–74 in TP.HCM). type=both returns both. Rates follow the date (date, default today).

Use this in your code

curl "https://apibox.io.vn/v1/vn-voluntary-insurance?type=both&income=2000000&group=near_poor&method=12&province=H%E1%BA%A3i%20Ph%C3%B2ng&members=3&months=12&date=2026-11-11" \
  -H "Authorization: Bearer YOUR_API_KEY"

const res = await fetch('https://apibox.io.vn/v1/vn-voluntary-insurance?type=both&income=2000000&group=near_poor&method=12&province=H%E1%BA%A3i%20Ph%C3%B2ng&members=3&months=12&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-voluntary-insurance?type=both&income=2000000&group=near_poor&method=12&province=H%E1%BA%A3i%20Ph%C3%B2ng&members=3&months=12&date=2026-11-11",
    headers={"Authorization": "Bearer YOUR_API_KEY"},
    timeout=30,
)
print(res.json())

<?php
$ch = curl_init('https://apibox.io.vn/v1/vn-voluntary-insurance?type=both&income=2000000&group=near_poor&method=12&province=H%E1%BA%A3i%20Ph%C3%B2ng&members=3&months=12&date=2026-11-11');
curl_setopt_array($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

Why is the minimum 264,000 VND a month?

22 % × 1,500,000 = 330,000 VND, minus the 20 % state support (66,000 VND) for people outside the supported groups.

Which provinces add their own support?

Hà Nội, TP.HCM, Hải Phòng and Đà Nẵng are on file (see coverage); other provinces get the national rules only.

What rate is used for paying years ahead?

The fund’s average monthly investment return of the previous year published by BHXH VN; pass rate to override it.