CHiNH SACH AN SINH XA HOI VIET NAM TRONG DOI CANH KHUNG HOANG KINH TE TRAN THi MINH NGOC * Viet Nam dang sdng the gidi toin , eau hda, hdl nhdp kinh te qude td viS nhieu bidn ddi nhanh chdng trdn tat ea cic phuong didn tff kinh td, ehlnh tri, vdn hda, xa hdi den mdi trudng sinh thdi Tff nhffng thdng eudi nam 2008 den nay, Cudc khffng hoang tii ehinh tdi td "hdng tram nam mdi cd mdt lan" - Idi eiia ngdi Alan Greenspan, cyu Chu tjch Cue Du trff Lien bang (FED) - cQng da dien vdi xu huiiing dd, inh hudng tidu eye ddn nen kinh td thd gidi I Khffng hoing kinh td tic ddng tryc tidp hoac giin fidp ddn mpi mat ddi sdng xa hdi, thffe di'y bidn ddi x i hdi 'dien vdi tdc dp nhanh hon, hudng tie ddng da tuyen hon, hau qua khd ludng hon, inh hudng vdi pham vl rdng Idn hdn, Thuc tidn eho thi'y, thd gidi ddn vin phil ddi mat vdi hai van de Idn khffng hoing kinh td, dd l i tinh bat dinh v i rffi ro eao, din tdi nhffng hiu qui khd doin djnh, dae bidt Id trudng hop roi vio khffng hoing, dfft gay cdc kdt eau xd hdi, rdi loan eau trffe hoae rdi loan ehffc ndng eua hd thdng xa hdi Dieu dd khdng ehi tdc ddng fidu cue trude mil tdi mffe sdng vd chit lupng sdng effa ngudi ddn, tinh dn djnh eua ede thd ehd nhi nude, mi edn Idm suy glim nang lue canh tranh v i phit tridn the giiS toin eau hda, Idm mat nhldu ngudn Iyc phue hdi eic ning phit tridn tuong lai Hau qui Id, nhldu qude gia trdn thd gldl cQng dang phil ddi mat vdi nhldu "van dd xa hdi" bat edng, bffc xue • Phi Gido sit, Tien si Hoc vien Chinh tri Khu udc I TAP CHi G l A o DVC LY LUAN - s 220 (2014) nhu: Phan hda giau ngheo, that nghidp, sy gia tang nhdm xa hdi ydu the, ngheo ddi, mat an ninh luong thye Khung hoing kinh td thd gidi dang ddi hdi chinh phff ede nude han ehd giim thieu nhffng khd khin, vffa quin ly xi hdi, tang dn djnh xa hdl thdng qua phit tridn he thdng an sinh x i hpi (ASXH) hidn dai, vffa phyc hdl vi thffe ddy phdt trien dffpc kinh te Dp dd, xdy dung ehinh saeh x i hpi, dd ndi dung cin edt l i xiy dyng chinh saeh ASXH todn didn Id van de dupe quan tim hing dau ddl vdi mpi qudc gia Hudng can thldp ehinh saeh vd md hinh ASXH dupe eau trffe lai, ehu the quan Iri chinh saeh ASXH khdng ehi glrSi ban d nha nude ma ddi hoi phil da dang vd linh hoat hctn, dac blet l i val trd ngdy cdng quan trpng eua eie ehff thd ngodi nhi nude Nhu ehung ta da biet, ASXH l i ehinh saeh edt Idi quydt djnh sy phit tridn dn djnh v i ben vffng effa mdt qude gia, gdp phan bao dim mffe sdng tdi thidu eho ngudi dan, glim bat binh dang xa hpi, giam phdn hda glau nghdo vd tdn thuong eua ngudi ddn vd edng ddng, giam that nghidp, dieu hda eae mdu thuin xa hdl trude nhffng rul ro hay nguy eo glim hoac mat thu nhap khffng lioang kinh td Bdi vay, ed thd ndi rang ASXH vd phue Ipi xa hdl Id nen tang eua phit tridn kinh te - xd hdl dat nude Thdm nffa, he thdng ASXH, phue Ipl xd hdl edn phin inh gii tri va djnh hudng phat trien ciia mdt ddt nude hudng vdo dau tu eho ngudi, phdt tridn ngudi 35 NBHIEN CiU-TRABBU Chinh sdeh ASXH dupe xem Id mdt bd phan mang tinh linh hoat vd ngdy edng cd ydu can quan trpng he thdng chinh saeh xa hpi effa cao hdn Cac ddi tudng cua boat dpng ngiy moi qude gia phdt tridn theo hudng ben vffng eing dudc md rdng tff nhffng ngffdi dm dau, Vide xdy dung try edt ASXH eho mpi ngudi ddn bdnh tat, bdnh xa hdl, tdi nhffng ngffdi gap nil ro dang trd thdnh ddi hpi cap bich sy phat thidn tai, djch bdnh hoac phdng ve ede nguy ed : trien eua nhieu qudc gia, dd cd Viet Nam CO thd mang lai che cdng ddng - Vai trd cffu trp la mpt hinh thffc dupe thuc ASXH edn l i mdt nhffng try edt co ban hd thdng chinh sdeh xd hdi dupe Ding vd hidn thudng xuydn vd dpt xua't eho nhdm ngudi ehffa hoae khdng cd nang vupt qua eie hoin Nhd nude ta quan tdm xdy dyng He thdng ASXH ciia Vidt Nam dupe eau canh eua hp nhu tin tat md cci, nan nhan chidn thdnh tu ede bd phan khie nhu bao hidm tranh, ngudi khuydt tat vlnh vidn, nhffng nguSi xa hdi (BHXH), effu trp xa hdi, uu dai xa hdl vd chju thidn tai bao lu roi vio tinh canh khdng co cdc djch vu xa hpi khde; trpng dd try cot ehinh Id ndi i n chdn d vdi nhieu hinh thffe vd su da dang BHXH vd effu trp x i hdi Hidn nay, cung vdi sy ve huy dpng ngudn til chinh xa hpi tang trudng kinh td xa hpi, ddl sdng vat chat finh than cua Nhin ddn ngdy cang dupe nang eao thi van dd ASXH eung dupe ddi hoi eing eao hon Trong giai doan hidn Ding v i Nha nude xie djnh he thdng ASXH d nude ta cd vai trd Cd ban l i : - Bao dim, ludn tri vi hudng tdi su an toin cia ede thinh vidn x i hdl Diy l i vai trd nham phat huy hdt mpi tiem nang vd ngudn lue dd tao ed hpi eho su phdt trien tdt nhi't ddi vdi mdi ei nhdn xa hpi Nd dupe ey the hda bang cac ehinh sdeh y te, ehinh sdeh van hda, giio dye, chinh sieh lao ddng, vlec lim v i ede phue Ipl xa hdl ddl vdi loan the nhan dan - Val trd bio hidm BHXH Id mpt che djnh nham huy ddng ngudn luc tdi chinh tff ngudi lao ddng, ngudi sff dung lao ddng, sff ho trd eua Nhi nffdc vd cic td chffe xa hpi, eae ngudn khde ve tdi ehlnh gdp phan che ngudi lao dpng, ede ddi tupng ehinh sieh dm dau, bdnh tdt, gia ydu hay tai nan, tff vong vdi mong mudn lim glim su rSi ro bat ngd ve mat tai ehinh eho ngudi tham gia bao hiem - Val trd hd trp cua ASXH nham bao ve nhffng ngudi thidt thdi khdng du kha nang vat chat dd bao dam nhu cau tdi thieu cudc sdng, ndn hp dd bj tdn thuong v i rol vio hodn canh khd khan Hoat dpng hd trp nhy: trp cap, cffu trp thudng xuydn hoae ed the la dpt xuat 36 - Vai trd uu dai, he thdng ASXH hudng ta bao dim eho nhdm ngudi ed edng sit nghidp xay dyng vd bio vd dat nude v i nhdm ngudi boat ddng edng hien vi Ipi ieh edng ddng mi gap phai nhffng tai nan rui ro khidn hp mat eic kha nang canh tranh sinh tdn v i phit trien binh thudng Ngoii ra, edn ed sy uu dii ddl vdi nhffng vung mien khde nhu khu vuc mien nui, hii dao Khdng nhung hp mi eon em eSa hp cung dupe hudng nhffng uu dai tff ehinh saeh ASXH effa Bang, Nhd nffdc Trai qua gan ba thap ky thue hidn chinh sieh ddl mdi eua Bang va Nhi nude, hd thdng th^ ehd cua Nhd nude ve ASXH d Viet Nam da eing phit tridn vd tffng budc hodn thidn Pham vl ddl tffctng tham gia vd thy hudng ngdy cang dupe md rdng den hau bet ede tang Idp ddn eil va ede ddl tupng ehinh saeh xa hdl; chat lupng djch vu ngdy edng dupe nang cao Hd thdng the ehd dd dupe thd hidn d eic mat sau: Pham vl ddl tupng tham gia cdc hinh thffc BHXH v i BHYT ngdy cang dupe md rdng, tao sir binh dang giffa nhffng ngudi lao dpng Idm vide cae thinh phan kinh td khde nhau, khuydn khieh ngudi lao dpng ty gide thyc hidn nghTa vu, quydn Ipl BHXH vd BiHYT; lao dupe sy an tim, Idng tin v i sy edng bang eho mpl ngudi lao ddng xa hpi Hing nam sd ngudi tham gia bio hiem tang nhanh ddng kd (nam 2005 ed TAP CHI GIAO D y e LY LUAN - SO 220 (2014) khoing 2,85 tridu ngudi, ddn 2013 da ed khoang trdn 50 tridu ngudi, dd Ire em dudi tudi trdn tridu, ngffdi nghdo vd can nghdo khoing 13 tridu ngudi), Vdi tdc dp phit tridn nhu hidn nay, theo ehffng tdi ehi den nam 2015 cd the tien tdi dat dupe muc tidu BHYT loan din Dd thuc hidn ehi tri, trp cap thep eie ehd dp BHXH nhu dm dau, thai sin, buu trt tuat vd mat sffe lao dpng tryc tidp eho hdng tridu ngudi lao ddng, dim bio dung ddi tupng, ehd dd, kjp thdi v i tryc fidp ddn ngudi thy hudng; den hau nhu khdng edn tinh trang np dpng ludng huu v i ede ehd dp BHXH khde Ve che dp bao trp xa hdi, cung vdi ehlnh sdeh phdt tridn cdng bang xa hpi effa Dang vd Nhd nude, ddi tupng hudng bio trp xd hdi dupe md rpng v i tang nhanh, dam bio dip ffng kjp thdi yeu cau thye td phit sinh, qua dd gdp phan dam bao dn djnh kinh td - xa hpi Mffe trp cap cung dffpc dieu ehinh ehp phff hpp vdi tang trudng kinh td, qua dd dim bip ndng dan mffe sdng eho eac ddi tupng thy hudng Hd thdng BHXH Vidt Nam dupe quin ly tip trung thdng nhat tff Trung uong den dja phuong, dupe chuydn mdn hoi dd thyc hidn eie chinh sieh, ehd dp BHXH qua vide tdeh hoat dpng quin ly quy BHXH khdi ehffc nang quin ly Nhi nffdc BHXH Vidt Nam thyc hidn cai cdch bdnh ehinh, td ehffc thyc hien tdt chffe ning quin ly thu - chi BHXH, cii tidn quy trinh thu tyc xet duydt hd sd hudng BHXH ei nude, dim bio tinh thdng nhat kjp thdi, edng bang v i hidu qui D i hinh thinh co ehd quan ly tii ehinh thdng nhat ddl vdi eae loai hinh BHXH, tao can cff phip ly v i didu kidn thuin Ipi eho eie boat ddng ASXH ngiy cang phat tridn trdn pham vi rdng v i quy md Idn trdn toin qude Quy md v i tidm lye tii ehlnh effa cac quy edng ting cffng vdi su gia tang ciia mffe ddng gdp va chi tri Tdng sd du eic quy ASXH Ien ddn hdng trim ngdn ty ddng, tao eo sd eho vide phit tridn quy vd Id ngudn vdn dau tu Idn eho ndn kinh td Nhidm vy dim bio ASXH d i dat dupe kdt qui tieh eye: TAP CHi G I A O D y e Lf LUAN - S(5 220 (2014) - Tinh hinh vide lim effa ngudi lao dpng da cd nhldu oil thidn Ting tn/dng vide Idm binh qudn 2,68%/nam; sd vide Idm mdi dupe ddo tao d ede nam 2006 - 2010 binh quan khoing 1,6 tridu That nghidp thinh thj cd xu hudng giim lidn tyc, ddn nim 2010 giim xudng dudi 5%, Quy md ddl tupng tham gia BHXH tang nhanh, ddn nim 2010 ca nude cd 9,4 tridu ngudi tham gia BHXH (ca bat budc vd ty nguydn), chidm 18% luc lupng lao dpng vd den nam 2009 ed 53,5 tridu ngudi tham gia bio hiem y td (BHYT), chidm 18% luc lupng lao dpng v i ddn nim 2009 cd 53,5 trieu ngudi tham gia BHYT, chidm 62% din sd ea nude, dd cd 13,2 tridu ngudi nghdo tham gia BHYT, chff ydu thudc khu vye ndng thdn (93%) Bao hiem that nghidp dupe thyc hidn tff 1/1/2009, ddn thing 6/2011 cd 7.4 tridu lac ddng tham gia CQng vdi thye hidn tdt chinh sieh uu dai ngudi ed cdng effa Nhd nude, su quan tdm cOa cdng ddng, sy no Iyc vuon Idn effa ddl tupng ehinh sdeh, ddl sdng ngudi ed edng da dupe dn djnh vd cai thidn ddng ke trpng vide ehi Iri day dff kjp thdi trp cdp uu dii thudng xuydn eho gin 1.5 tridu ngudi; 90% gia dinh ngudi cd edng cd mffe bang hoae cao hdn mffe trung binh effa ngudi din n(/i cu trff Tdc dp giim ngheo nhanh v i lien tuc qua cic nim Theo chuan ngheo cua Ngan hang Thd gidi tinh eho Viet Nam, ty Id hd nghdo d i giim tff 58,1% nim 1993, den nam 2008 edn 14% vd nam 2010 edn trdn 10%; theo chuan nghdo thudc Chuong trinh mye tieu qudc gia giim nghdo (ip dyng tff nim 2006), ty Id hp ngheo da giam tff 17% nam 2006 ddn nam 2010 edn dffdi 9,45% Ngudi nghdo tiep can tdt hon cic ngudn lye kinh td vd djch vy xa hpi co ban (y td, giio dye, nhd d.,.) Hang nim, ciru trp ddt xudt eho tff - 1,5 tridu ngudi gap rui ro thidn tai, mdt mua dn djnh cude song, giim thidu thidt hai ve ngudi vd eija Sd lupng ddi tupng dupe trp giup xd hpi thudng xuydn ngdy cdng md rdng vd tang 37 NBHIEN CiU-TRABBU nhanh Theo thdng ke nim 2010, ca nude cd khoang 1,3 fiidu ngudi thude didn huiSng ehinh sdeh trp giffp xa hpi (ehiem 1,5% ddn sd) tang 3,12 lan so vdi nam 2000 Tffng budc ning cao ddi sdng vat chat v i tinh than eho tre em; 95% tre em dupe fidp can djch vy y td, ty Id tre em dudi tudI suy dinh dudng giim tff 33,8% nam 2000 xudng 18,9% nim 2009 Kdt qua trdn diy da gdp phan quan trpng vdo ting trudng kinh td, thye hidn edng bang, ddng thuan x i hdl, dn djnh ehlnh trj, cung ed an ninh, qudc phdng NhOng tdn tai v i thich thffc dat ddi vdi hd thdng ASXH Vidt Nam, dd l i : - Chinh saeh ASXH vdn edn nhffng bat hpp ly BHXH ehua thye hidn day du nguydn tic ddng - hudng ma edn gin qud chat vide dieu ehinh ludng huu vdi tidn ludng tdi thieu vd hd trp ngdn sdeh Nhd nude Mpt sd eo ehd, ehinh sdeh glim nghdo hidn hdnh khdng edn phu hpp vd ed nhieu rdo cin td ehffc thuc hien; ehua ed he thdng chinh saeh khuydn khieh hp nghdo, xa nghdo thoit ngheo vuon Idn gia; xda ddl giam ngheo ehua gin chat vdi phit tridn cpng ddng v i phit tridn ndng thdn; tu tudng y lai, bao cap v i bdnh thinh tieh edn Idn Chinh sieh bao trp xa hpi mdi dupe thd ehd hda S mffe thap (phip Idnh) bao cap nang, ehua ed ehinh sieh khuyen kWch cham sde ddi tupng dua vio edng ddng: tjiua phit tridn manh nghd edng tie x i hdi dip ffng yeu cau ngiy cing tang cua ddl tupng trp glup x i hpi, tang Vidt Nam cd khoing 1,3 tridu ddi tupng can trp cap xd hdi nhung ty le ddi tupng chffa duoc hffdng trd cap edn Idn (30%) Ngudi nghdo, nhdm ddi tudng yeu thd, ddng bao ddn tdc thidu sd khd tidp can djch vy xa hpi cd ban (y td, glao due, nude saeh, nhi d ) vd phffc Id xa hdl, nhat Id djch vy xa hdi chat lyi*g cao - Ngudi ve huu cd mffe Iffdng huu, trp cap huu edn thap, hien lupng huu binh quin khoing 2,5 tridu dong/thing; mffe trp cdp co ban eho ddi tupng ngudi cd cong ehi cao hon mdt chfft so vdi mffe luong tdi thieu ehung; mffe tip cap xd hpi effa Nhd nude cffng rat thap, chi bing 1/2 chua'n nghdo, mdi dim bio dupe 60% cOa mffe sdng tdi thidu Trong dd, hidn gii ci dang tang, ty Id lam phit rat cao nhat l i gii cic mat hing thidt ydu (luong thye, thye pham, thudc ehffa bdnh ), inh hffdng tryc tidp va nghidm trpng den ddi sdng ngudi cd thu nhdp thap, ngudi ngheo, ddi tupng ehinh sieh x i hdl, - Cic chuong trinh xda ddl giam nghdo eiia Viet Nam d tam qude gia da thu dupe nhffng kdl qui tdt dep, da dupe A\s luan qude td thffa nhan va danh gia eao, nhat la xda ddi glim nghdo eho ndng dan d ndng thdn, dae bidt d midn nffi, vting ddng bdo din tdc thidu sd Tuy nhien, ngudn lye eho thye hidn chinh sdeh ASXH edn han ehd Quy BHXH ddl han (thffe hidn ehd dp hffu trivi tff tuat) tidm an nguy cd mat edn ddi dii han vd Nhd nude edn phii ho trp Idn ddi viS quy BHXH Bay tu eho xda ddl glim nghdo chua dip ffng ydu cau thye td (vdn tin dung mdi dip ffng Mffe dp bao phu effa ehinh sdeh ASXH edn 30% nhu eau) Ty Id ehi ngin sieh eho thye hidn thap vd chat lupng eung cap dich vy chua dap ehinh sieh trp cap xa hpi ch! chidm 0,5% (cac ffng ydu eau eua ddi tupng thu hudng Ty Id lao nude chi eho linh vuc bao trp xa hpi tff - 7% dpng tham gia BHXH mdi chidm khoang 18''/o lye tdng ehi ngdn sdeh Nhd nffdc) Trong ngin lupng la^ ddng; hon 20% lao dpng didn saeh Nhd nude dau tu eho ehinh sdeh ASXH edn BHXH bat bupe nhung ehua tham gia Ket qua kho khan thi mffe dp xd hdi hda lai ehffa eao, tj xda ddl giam nghdo ehua that vffng chae; ty Id Id cham sde ddi tupng dua vdo edng ddng chira hd nghdo da thoit ngheo nhffng nam sit chuan nhldu, chff yeu van Id ngudn lye eua Nhi nude ngheo rat Idn (7B - 80%) chi can gap rui ro Id lai Trong bdi einh kinh td - xa hpi edn nhldu kh6 rol vio didn ngheo; ty Id tdi ngheo edn eao (7- khan, glal doan dau effa qui trinh phSI 10%); phdn hda gliu ngheo ed xu hudng gia trien, mffe thu nhap binh quin dau ngudi thdp 38 TAP CHi G I A O DUC LY LUAN - SO 220 (2014) NBHIEN CUU-IHABBBI cac ngudn thu cua eie quy ASXH ed gidi ban nhu cau ehi effa quy thudng rat Idn vd gan lien vdi eac mue tidu chinh sieh xd hdi Do dd, Chinh phff thudng can bd tri mpt phan ngdn sieh ding kd kd hoaeh ngin saeh hdng nam phyc vu ehi eho cdc nhu eau ASXH die biet bdi canh ddn sd gid hoi nhu hien D l fidp tuc day manh thyc hien ASXH, Vidt Nam dang dffng trude nhieu khd khan, trd ngai vd thdeh thffc Idn, bdi einh khffng hoang kinh td - til ehinh toan cau, eung nhu tdc dp tang trudng kinh te nude suy giam, lam phit vd that nghidp gia ting, ddi sdng, mffe sdng ngudi ddn giam sfft Trong thdi gian tdi, Viet Nam dang phai ddl mat vdi mpt sd van de ehinh sdeh trpng tdm vd til ehinh nhff sau: Thir nhSt, thdm hut quy vd ydu cau ein ddi eic quy BHXH, BHYT Tang ehi bap trp xa hpi da vd dang trd mpt nhffng van de trpng tim eua he thdng til ehinh ndi rieng va toin bp ndn kinh td noi ehung Thir hai, ydu cau bio dim ASXH eho ngudi nghdo, ndng ddn vd khu vye kinh td phi ehinh thffe Trong didu kidn thye td nude ta hidn nay, khoang edeh phdt tridn, dae bidt l i thu nhap glOa ngffdi gidu - ngudi ngheo, ndng thdn - thdnh thj ngdy cdng tang ca vd gid trj tuydt ddi vd se sinh luong ddl Thir ba, can giii quydt hidu qui van de np dpng vd cham ndp BHXH Tha tn, can ddnh gid, xem xet vd ed giii phip phu hpp dd han ehd inh hudng tidu eye cua hpi nhap v i khffng hoang t i l chinh toin edu n thi/c lien chinh sieh ASXH a ntiijc ta boi canh khUng hoang kinh te va kinh nghiem qude te thdi gian tdi Viet Nam cSn: Mot li, tip trung hoin thidn, bd sung, sffa ddi Cd ehd, chinh sieh, hd thdng hod eie van bin phip luit hidn ed tren co sd kd thffa v i phit tridn chinh sieh BHXH hidn bdnh Bd sung, sffa TAP CHi GIAO Due Lt LUAN - S6 220 (2014) ddi luit cQ, ban hinh luit mdi ve nhffng ITnh vuc ASXH eho phu hpp, nhu luat lao dpng va vide Idm bao hiem that nghidp, chinh siehtienluong, trp cap xa hpi, uu dai xa hdi Can dam bio tinh ddng bp giffa cic ehd dp ASXH, trinh chdng eheo, mdu thudn, dam bao mpi ngudi dan deu ed quyen dupe hudng ASXH Hai la, bip dim ngudn lue v i ed ehd til ehinh tren eo sd tirng budc md rdng didn bao phu, tang mffe phi ddng gdp v i dim bao ehi phi djch vy tdi thieu eung nhu quan ly chat che, hidu qua eie quy ASXH Ddng thdi, can ning eao hieu qua dau tu vd sff dyng ngudn cdc quy ASXH kdt hpp vdi vlec da dang hoi eie ngudn tii trp dd dim bio hd thdng ASXH phdt trien bdn vffng Ba la, hoin thidn bp miy quan ly ciia he thdng ASXH theo hudng finh gian, gpn nhe, dim bio phdt huy vai trd vd hidu qua quan ly Trong dd, can ehu trpng den he thdng td chffe bp miy, dio tao ngudn nhin Iyc va xiy dyng he thdng CO sd dff lieu thdng tin tich hop ve ASXH thdng nhat, day dii, ehlnh xie, ed hd thdng v i dupe cap nhdt tff Trungffpngden dja phupng Son li, day manh thuc hdnh tidt kidm, eoi dd Id qude sdeh, kidm sodt vd xff ly iang phi, thu hdl tridt dd eho edng quy nhffng khoin tien rat Idn tff tham nhffng dd dau tu v i trang trii eho nhu eau ASXH Phil cd nhffng ehd til die bidt nghidm ngat de thuc hidn Nam la, de eao minh bach vd trdch nhidm giii trinh vffa de ngin chin tham nhung, ling phi, vffa de kidm soil dupe hidu qui dau tu eho ASXH va ngudi ngheo Siu li, quan tdm thudng xuydn v i thyc hien dau tu uu tien che ASXH ddl vdi tre em, phu nff v i ngudi gia, nhat l i d ndng thdn va vung die bid! khd khin Trong bdi canh hidn nay, vide tien hdnh cdc nghidn cffu dd cd thd dua nhffng giii phdp de sffa ddl, phdt trien, hoin thidn ehinh sieh phffc Ipl x i hpi v i ASXH l i thye sy can thidt v i ed y nghla thuc tlen.H 39 ... BiHYT; lao dupe sy an tim, Idng tin v i sy edng bang eho mpl ngudi lao ddng xa hpi Hing nam sd ngudi tham gia bio hiem tang nhanh ddng kd (nam 2005 ed TAP CHI GIAO D y e LY LUAN - SO 220 (2014)... bdi canh ddn sd gid hoi nhu hien D l fidp tuc day manh thyc hien ASXH, Vidt Nam dang dffng trude nhieu khd khan, trd ngai vd thdeh thffc Idn, bdi einh khffng hoang kinh td - til ehinh toan cau,... edng cd mffe bang hoae cao hdn mffe trung binh effa ngudi din n(/i cu trff Tdc dp giim ngheo nhanh v i lien tuc qua cic nim Theo chuan ngheo cua Ngan hang Thd gidi tinh eho Viet Nam, ty Id hd