E/C.12/VNM/CO/2-4 The Committee recommends that the State party: (a) Step up efforts to improve health insurance coverage in the informal economy and undertake campaigns to encourage disadvantaged and marginalized groups to participate in the insurance; (b) Ensure that health insurance co-payments remain affordable for all, including socially disadvantaged groups, and expand the list of prescribed medicines under the insurance scheme so as to limit out-of-pocket payments; (c) Invest in the improvement of the quality of health-care services in community health centres and district hospitals. The Committee refers the State party to its general comments No. 19 (2007) on the right to social security and No. 14 (2000) on the right to the highest standard of health. Unemployment insurance 23. The Committee is concerned that there is no State-funded social assistance unemployment safety net in the State party and that unemployment insurance is only available to paid-up contributors, which resulted in very low unemployment insurance coverage to 5.32 per cent of the workforce in 2013 (art. 9). The Committee recommends that the State party take the necessary policy and legislative measures to promote access to unemployment insurance, including by putting in place non-contributory social assistance unemployment benefits, providing subsidies in order to promote enrolment in unemployment insurance and ensuring that qualifying conditions for benefits are reasonable and proportionate. The Committee invites the State party to provide information on progress achieved in its next periodic report. Older persons 24. The Committee is concerned at the overall situation of older persons in the State party, as only a small number of them receive either pension benefits or the older persons’ allowance, with the latter paid only to persons who are older than 80 years and without a caregiver, pension or social insurance allowance. Moreover, the Committee is concerned that the amount of the allowance is lower than the poverty line (arts. 9–11). The Committee recommends that the State party revise the eligibility criteria for the social allowance for older persons so that those in need are not excluded. It also recommends that the State party increase the amount of social allowance so as to enable an adequate standard of living for the recipients. Additionally, in the light of the ageing population in the State party, the Committee recommends that the State party adopt measures to respond to the specific needs of older persons, including measures to ensure income security in old age, through both contributory and non-contributory schemes, the delivery of adequate and affordable health-care services and the conduct of awareness-raising activities on the rights of older persons. In that regard, the Committee recommends that the State party take account of its general comments No. 6 (1995) on the economic, social and cultural rights of older persons and No. 19 (2007) on the right to social security. 7