Who Qualifies for Taiwanese Health Insurance?

Who Qualifies for Taiwanese Health Insurance?

Taiwan has a universal health insurance system that provides coverage for all residents, including foreigners who live and work in the country. Foreigners who have a valid ARC (Alien Resident Certificate) or a valid visa that allows them to stay in Taiwan for more than six months are eligible to enroll in the National Health Insurance (NHI) program.

Here are some important things to know about who qualifies for Taiwanese health insurance:

Citizens and Permanent Residents

All Taiwanese citizens and permanent residents are eligible for NHI coverage. They are automatically enrolled in the program and are required to pay monthly premiums based on their income. Premiums are also paid by their employers, and the government subsidizes the program to ensure that it remains affordable for all.

Foreigners with ARC or Valid Visa

Foreigners who have a valid ARC or a valid visa that allows them to stay in Taiwan for more than six months are also eligible to enroll in the NHI program. They are required to pay monthly premiums based on their income, just like citizens and permanent residents. Premiums are not paid by their employers, but the government does subsidize the program to ensure that it remains affordable for all.

Expats and Foreign Workers

Expats and foreign workers who live and work in Taiwan are also eligible for NHI coverage. However, their employers are required to enroll them in the program and pay monthly premiums on their behalf. Expats and foreign workers are also required to pay a portion of the premiums, which is deducted from their monthly salary.

Children and Dependents

Children anddependentsof NHI enrollees are also eligible for coverage under the program. Children under the age of 18 are covered for free, while dependents over the age of 18 are required to pay monthly premiums based on their income.

In conclusion, Taiwanese health insurance is available to all residents, including citizens, permanent residents, foreigners with a valid ARC or visa,expats, foreign workers, and their dependents. It is a universal system that provides affordable and comprehensive coverage to all, regardless of their income or health status. It is important for everyone to enroll in the program to ensure that they have access to quality healthcare when they need it.

Some insurance tips:

- Consider purchasing additional insurance to supplement your NHI coverage, such as critical illness insurance or accident insurance.

- Make sure you understand the terms and conditions of your insurance policy before purchasing it.

- Review your insurance needs regularly to ensure that you have the right coverage for your changing circumstances.

- Consult with an insurance professional to help you choose the most suitable insurance products for your needs.

Insurance case study:

Mr. Lee is a 35-year-old expat who lives and works in Taiwan. He has enrolled in the NHI program but is concerned about the limited coverage it provides for certain medical conditions. He decides to purchase critical illness insurance to supplement his NHI coverage and provide him with additional financial protection in case he is diagnosed with a serious illness. He consults with an insurance professional who helps him choose a policy that meets his needs and budget. A year later, Mr. Lee is diagnosed with cancer and is forced to take time off work to undergo treatment. His critical illness insurance provides him with a lump sum payment that he uses to cover his medical expenses and support himself while he is unable to work. Thanks to his insurance coverage, Mr. Lee is able to focus on his recovery without having to worry about his finances.