📋 Tender Overview
Mr. Trong Khanh (Cao Bang) asked, how is compulsory social insurance different from voluntary social insurance? If you pay voluntary social insurance, can you still pay the compulsory social insurance that you participated in 1 year ago? Regarding this issue, Vietnam Social Insurance answered as follows: According to the provisions of the Law on Social Insurance 2024, social insurance is a type of social insurance organized by the State (including compulsory social insurance and voluntary social insurance), however, compulsory social insurance and voluntary social insurance have regulations. The differences are as follows: Participants - Participants in compulsory social insurance are specified in Clauses 1, 2, 3, Article 2 of the Law on Social Insurance 2024 and employees and employers who are required to participate in compulsory social insurance must participate. - Participants in voluntary social insurance are Vietnamese citizens aged 15 years or older, not subject to compulsory social insurance, not people receiving pensions, Social insurance benefits, monthly benefits and are prescribed in Clause 4, Article 2 of the Law on Social Insurance 2024. Social insurance regimes - According to the provisions of Clause 2, Article 4 of the Law on Social Insurance 2024, compulsory social insurance has the following regimes: sickness; maternity; retirement; death; Insurance for labor accidents and occupational diseases according to the provisions of the Law on Occupational Safety and Hygiene. - According to the provisions of Clause 3, Article 4 of the Law on Social Insurance 2024, voluntary social insurance has the following regimes: maternity benefits; retirement; death; Labor accident insurance according to the provisions of the Law on Occupational Safety and Hygiene. Basis for payment of social insurance - According to the provisions of Clause 1, Article 31 of the Law on Social Insurance 2024, the salary as a basis for payment of compulsory social insurance is prescribed as follows: For employees subject to the salary regime prescribed by the State, the salary as a basis for payment of social insurance is the monthly salary according to position, title, rank, grade, military rank and Position allowances, seniority allowances beyond the frame, seniority allowances, salary reservation difference coefficient (if any); Employees subject to the salary regime decided by the employer, the salary as a basis for payment of compulsory social insurance is the monthly salary, including salary according to job or title, salary allowances and other additional payments are agreed to be paid regularly and stably in each pay period. Salary as a basis for payment of compulsory social insurance is low. The minimum is equal to the reference level and the highest is 20 times the reference level at the time of payment. - According to the provisions of Clause 2, Article 31 of the 2024 Law on Social Insurance, the income used as a basis for paying voluntary social insurance is at least equal to the poverty standard for rural areas and the highest is 20 times the reference level at the time of payment. Social insurance contribution rate According to the provisions of Clause 32, Article 32 of the 2024 Law on Social Insurance, the contribution rate Specifically, social insurance is as follows: - Compulsory social insurance payment rate includes: 3% of salary as the basis for social insurance payment to the sickness and maternity fund; 22% of salary is the basis for paying social insurance to the retirement and death fund. - The rate of voluntary social insurance payment is equal to 22% of income as the basis for paying social insurance to the retirement and death fund. Mr. Trong Khanh can read and study the Law on Social Insurance 2024; Law on Occupational Safety and Hygiene, Law on Employment, Law on Health Insurance and documents guiding implementation for more details. Duration of participation in compulsory and voluntary social insuranceIn Clause 6, Article 3 of the Law on Social Insurance 2024, the time for paying social insurance is the total time of paying compulsory social insurance and voluntary social insurance according to the provisions of this Law, except in the case of international treaties in which the Socialist Republic of Vietnam is a member with different regulations. Based on the above regulations, in case Mr. Trong Khanh has time to participate in social insurance (compulsory social insurance or voluntary social insurance), the time he has participated in social insurance (the time for social insurance payment is being reserved) will be added to the time he is participating in social insurance to calculate social insurance benefits when he is eligible and required according to the provisions of the Social Insurance Law of the year. 2024.Chinhphu.vn Not allowed to pay compulsory and voluntary social insurance at the same time May 1, 2026 10:04Time to participate in compulsory social insurance for business household owners April 7, 2026 09:03Compulsory social insurance can only be paid when there is an actual labor relationship March 24, 2026 12:06Determining who pays Compulsory social insurance in March 11, 2026 14:05 Probationary contract without paying compulsory social insurance March 6, 2026 07:01 Instructions for paying voluntary social insurance to enjoy pension May 13, 2026 07:01 Income as a basis for paying voluntary social insurance January 8, 2026 10:05 Close How long does it take to receive pension from voluntary social insurance? October 29, 2025 10:00 Subjects participating in voluntary social insurance July 28, 2025 11:52 Method of paying voluntary social insurance according to the new Law July 17, 2025 09:00
