Two-thirds is the company line, not a TRC perk

In plain termsBHYT is Vietnam’s compulsory health insurance. The split is an employer-and-employee contribution on a labour contract. A temporary residence card (TRC) does not by itself open the 2/3 limb.

Start here — three checks

Employer share. 2/3
Rate cap of salary. 6%
Contract length, not TRC. ≥ 12 months · keyed to contract: yes.

Who writes the cheque

Arrangement	Split on file	If payroll ignores it
Foreign employee, definite-term contract ≥12 months	Employer two-thirds. Rate cap 6% of salary.	You net the whole 6% from the worker and call it “their BHYT.”
Same person, TRC in the passport, no such contract	This split does not open from a card alone.	You register household BHYT “because we have TRC” — that path is unpublished.
Offshore remote pay, no Vietnam labour contract	Outside the compulsory gate. No 2/3 line to book.	You invent an employer share for a UK or US payroll.
Private international policy on the same 18-month contract	Private cover does not replace the statutory split.	You skip BHXH registration because SafetyWing is active.

Common wrong movesThe health hub asks whether you are in scope. This page is the split.

Treating 6% as “the employee pays six.”
Using intern or volunteer labels to dodge the employer two-thirds.
Asking this page for a đồng premium we do not model beyond the rate cap.

If payroll already withheld 100%Correct the split. Do not cancel BHYT because the math was wrong.

Re-run the employer two-thirds on the same ≥12-month contract.
If there is no such contract, stop. The hub gate is closed.

Evidence and sources4 dated facts for BHYT: employer pays two-thirds, rate cap 6%

The readable briefing above uses these cells. Open a source only when you need to verify a number, date, or legal gate.

Employer share of BHYT for that cohort
Luật BHYT Điều 13 khoản 1 điểm a
2/3checked Aug 2026
Max BHYT contribution rate on monthly salary
Luật BHYT Điều 13 khoản 1 điểm a
6%checked Aug 2026
Compulsory BHYT for foreign employees on definite-term contracts of at least this many months
Luật BHYT Điều 12 khoản 1 điểm c (Luật 51/2024)
12 monthschecked Aug 2026
Compulsory BHYT keyed to ≥12-month contract, not TRC alone
Luật BHYT Điều 12 khoản 1 điểm c — trigger is contract length, not TRC label
yeschecked Aug 2026

BHYT hubWhether the contract gate opens at all.Contract clausesTerm and the 12-month BHYT trigger.Intern vs employeeA badge does not rewrite the split.

Common questions

Who pays BHYT — me or the company?

When compulsory BHYT applies, the employer share is two-thirds. The rate is capped at 6% of salary. A TRC alone does not open this split.

Does a six-month contract still split 2/3–1/3?

Compulsory BHYT for foreign employees keys to a definite-term labour contract of at least 12 months. Under that gate, this split does not fire from the cells on this page.

Can I opt out if I already hold SafetyWing?

Private cover does not erase compulsory BHYT when the contract gate applies. The employer still owes the two-thirds limb on that contract.