Background and Regulation

• Following Taiwan government regulations, international students must register for health insurance during their stay in Taiwan. Students staying in Taiwan with a valid Alien Resident Certificate (ARC) for over six months continuously must enroll in National Health Insurance (NHI). Prior to registering for NHI, we will automatically enroll you in Group Medical Insurance.

Note: If you would like to use another insurance that you have purchased from your home country instead of joining Group Medical Insurance, you must have the insurance verified by the Taiwan Embassy/Mission in your home country.

Health Insurance for International Students

• International students (including overseas Chinese students, students from Hong Kong and Macau and foreign nationals) who have an ARC and have stayed in Taiwan consecutively for more than 6 months could apply to enroll in the National Health Insurance, NHI. Those who haven’t been enrolled in NHI are required to enroll in Group Medical Insurance (currently Cathay Life Insurance Company provides insurance policy for international students in CUTe).
• The Group Medical Insurance fee is NTD $3,000 per semester and is a non-refundable payment. The insurance fee will be included in the your tuition and administrative fees for each semester, and should be completed together before the payment deadline.

Health Insurance Claims for  International Student 

• Students pay for their medical bill first, then file the insurance claim by submitting the following documents to the International and Cross-Strait Affairs:
• Compensation Application Form
• Original payment receipt or the photocopy of the payment receipt with the original stamp from the hospital/clinic
• Original certificate of diagnosis
  
• A photocopy of the passbook from a bank in Taiwan
  
• Upload unexpired ARC file (front and back)
  
• Upload unexpired passport
  

Insurance Coverage

• Outpatient/Emergency treatment benefit

While this Policy is still effective, if the Insured suffers an illness or injury and receives (emergency) treatment at a hospital/clinic as an outpatient (Includes Diagnostic Fee, Prescription, Medicine Fee, Laboratory Fee, X-ray inspection Fee…etc ) , the company will reimburse all medical expenses incurred. However, the payment of benefit shall not exceed the limit of NTD $1,000 (per visit).

• Daily hospital room benefit

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred, the payment of benefit shall not exceed the limit of NTD $1,000 (per day):

• Balance billing on hospital rooms.
• Food, except for nutrients provided through tube feeding.
• Nursing care fee excluding special nurse fee.
  
• Hospital miscellaneous benefit
  

While this Policy is still effective, if the Insured suffers an illness or injury and receives treatment at a hospital as an inpatient, the company will reimburse the following expenses incurred, the payment of benefit shall not exceed the limit of NTD $120,000 (per hospitalization).

• Physician instructions medication.
• Blood, except for blood transfusions deemed necessary by a doctor providing emergency care.
• Registration fee and cost of obtaining related certificates.
  
• Hospitalization medical expenses exceeding those covered by the National Health Insurance.
  

International, overseas compatriot, HK and Macao students with ARC are required to join National Health Insurance after staying in Taiwan for 6 months continuously.

• Applying for NHI IC card: After being qualified, International and Cross-Strait Affairs will apply for it by your ARC. It would take around 7 workdays.
• Having medical treatment with NHI card: You may have the medical treatments at any clinic or hospital once joining NHI.
• NHI transferring or returning the fee: Once you have the other NHI from your workplace or internship, please come to International and Cross-Strait Affairs for transferring or returning the insurance.

• All the fee and regulations mentioned above are followed by National Health Insurance Administration, Ministry of Health and Welfare.