Vietnam Social Insurance Q&A: Can Overseas Vietnamese Join Voluntary Social Insurance?
RegHub explainer by New MarketerLast updated:
Based on:Khoản 4 Điều 2 Luật BHXH số 41/2024/QH15; Khoản 2 Điều 31 Luật BHXH năm 2024 - Ministry of Finance
This explanation was generated by AI and checked by an automated AI review, not by a human expert. It is not legal, tax or accounting advice and may contain errors. Check the official document before you rely on it.
Vietnam Social Insurance (VSI) confirmed that Vietnamese nationals living and working abroad are eligible to participate in voluntary social insurance under clause 4, Article 2 of Social Insurance Law No. 41/2024/QH15. The contribution rate is 22% of the chosen reference income, with a minimum equal to the rural poverty line (currently VND 1,500,000/month) and a maximum of 20 times the reference wage (currently VND 46,800,000/month). Registration procedure: submit Form TK1-TS to a support agent organisation or directly to the VSI office. Online registration is available via the VSI public service portal (dichvucong.baohiemxahoi.gov.vn) or the National Public Service Portal (dichvucong.gov.vn). State subsidies on contribution rates are available for poor and near-poor households. This information is relevant to Vietnamese SME owners and individuals abroad who wish to accumulate domestic retirement entitlements.
VSI Policy Q&A - Vietnam Social Insurance
Question: A 52-year-old Vietnamese woman (female, owns a home in Vietnam) living and working abroad wants to join voluntary social insurance - is this possible? What are the contribution levels, procedures, required documents, and can it be done online?
Responding authority: Vietnam Social Insurance (BHXH Viet Nam)
Eligibility (Clause 4, Article 2, Social Insurance Law No. 41/2024/QH15): Vietnamese nationals living abroad qualify as voluntary social insurance participants.
Contribution rates (Clause 2, Article 31, Social Insurance Law 2024):
- Rate: 22% of the chosen reference income
- Minimum: equal to the rural poverty standard = VND 1,500,000/person/month
- Maximum: 20 times the reference wage = VND 2,340,000 x 20 = VND 46,800,000/month
State support: Those classified as poor or near-poor households receive a state subsidy on their contribution amount.
Registration procedure:
- Complete Form TK1-TS (Social Insurance registration/adjustment declaration form)
- Attach copies of relevant documents if any
- Submit to a VSI support agent organisation or a VSI office
Online registration - VSI Public Service Portal:
- Visit dichvucong.baohiemxahoi.gov.vn, log in with your VSI code
- Select "Electronic BHXH Contribution" > "Register for Voluntary BHXH"
- Complete the online TK1-TS form, select contribution method and income level
- Confirm with OTP code
Registration via National Public Service Portal:
- Visit dichvucong.gov.vn, search for "bao hiem xa hoi tu nguyen" and select the individual voluntary BHXH registration service