Vietnam Social Insurance 2027 Calculator
Vietnam mandatory employee insurance 2027: social 8% + health 1.5% + unemployment 1% = 10.5%. Employer pays additional 17.5% (social 14% + health 3% + unemployment 1% + injury 0.5%). Cap 20× minimum wage. Source: vss.gov.vn.
Vietnam Social Insurance Rates 2027
Employee: social 8% + health 1.5% + unemployment 1% = 10.5%. Employer: social 14% (retirement 11% + sickness/maternity 3%) + health 3% + unemployment 1% + work injury 0.5% = 18.5%. Total cost to employer: 28-29% of gross. Source: Law on Social Insurance 58/2014/QH13.
Insurance Cap and Minimum Wage Multipliers
Social and health insurance based on salary capped at 20× general minimum wage (around VND 36M/month, varies by year). Unemployment insurance capped at 20× regional minimum wage (regions I-IV, ranges VND 4.96M-3.45M base). Above caps, contributions don't grow. Source: vss.gov.vn.
Coverage Benefits
Social insurance covers: sickness benefit (75% of salary 30-180 days/year), maternity (100% of avg salary 6 months), occupational accident, retirement pension (age 60-62 male / 55-60 female, 15+ years), survivor pension. Health insurance covers 80-100% of treatment at registered facilities. Unemployment: 60% of avg salary 3-12 months.
Voluntary Insurance for Self-Employed and Informal Workers
Self-employed and informal workers can voluntarily enroll in social insurance (22% of declared income, on retirement + survivor only — not sickness/maternity). Free or subsidized health insurance for low-income households. Source: vss.gov.vn.
Frequently Asked Questions
What is Vietnam social insurance rate?
Employee 10.5% (8% social + 1.5% health + 1% unemployment). Employer 18.5%. Total 29% of salary. Source: Law 58/2014/QH13.
Is there an income cap?
Yes — social/health cap at 20× minimum wage (~VND 36M/month). Unemployment cap at 20× regional minimum (~VND 70-100M). Above, no further contribution.
Can self-employed join?
Yes — voluntary social insurance 22% of declared income covering retirement + survivor only. Health insurance separately available.
What does insurance cover?
Sickness 30-180 days/yr at 75%, maternity 6 months at 100%, retirement pension 60-62 male/55-60 female (15+ yrs), survivor, work injury, unemployment 60% of avg salary 3-12 months.
How is retirement pension calculated?
Based on years of contribution × accrual rate × average insured salary. Maximum pension 75% of average insured salary at 35 years (male) / 30 years (female). Source: vss.gov.vn.