Medical Insurance

Medical Insurance for New Students

Before becoming eligible for National Health Insurance (NHI)—which requires residing in Taiwan for 6 consecutive months—all freshmen and newly arrived international students are covered by a group medical insurance policy to ensure access to healthcare. The university currently partners with Cathay Life Insurance for this coverage.

Eligibility and Premiums

  • International Students (外籍生)：
    • New students must enroll in the “Group Medical Insurance for International Students” until they qualify for NHI.
    • Cost: NT$500 per month, paid in six-month installments (approx. NT$3,000 per semester).
  • Overseas Chinese Students-including HK/Macau (僑生-含港澳生)：
    • First Semester: Covered by the Overseas Chinese Student Insurance, subsidized by the OCAC. The cost is NT$600 per semester.
    • Second Semester: If still ineligible for NHI, students will transition to the International Student Group Medical Insurance (cost is the same as international students: approx. NT$3,000 for six months).

Coverage Details

Outpatient and Emergency Benefits 門(急)診醫療保險金

If the insured receives outpatient or emergency treatment at a hospital or clinic due to illness or injury during the policy period, the company will reimburse the actual medical expenses (including consultation, prescriptions, medication, lab tests, or X-rays). Maximum reimbursement of NT$1,000 per visit.  

被保險人於本契約有效期間內（如於本契約生效後加保之被保險人，則係指加保之翌日起）因疾病或傷害，而於醫院或診所接受門(急)診診療者，本公司按醫院或診所實際收取之門(急)診醫療費用（包含診察、處方、醫藥、檢驗或Ｘ光檢查等之全部費用），給付「門(急)診醫療保險金」，但每次最高給付金額以1000元為限。

Daily Room and Board Benefits 每日病房費用保險金

If the insured is hospitalized due to illness or injury, the company will reimburse the following expenses incurred during hospitalization. Maximum reimbursement of NT$1,000 per day.

被保險人於本契約有效期間內（如於本契約生效後加保之被保險人，則係指加保之翌日起）因疾病或傷害而住院診療時，本公司按該被保險人住院期間內所發生之下列各項費用核付「每日病房費用保險金」，但每日最高給付金額以1000元為限：

    • Difference in room rates for private/semi-private rooms.  超等住院之病房費差額。
    • Meals (excluding tube feeding).  管灌飲食以外之膳食費。
    • Nursing fees (excluding private-duty nursing).  特別護士以外之護理費。

 

Hospital Miscellaneous Benefits 住院醫療費用保險金

If the insured is hospitalized due to illness or injury, the company will reimburse the following expenses. Maximum reimbursement of NT$120,000 per hospitalization.

被保險人於本契約有效期間內（如於本契約生效後加保之被保險人，則係指加保之翌日起）因疾病或傷害而住院診療時，本公司按該被保險人住院期間內所發生之下列各項費用核付「住院醫療費用保險金」，但被保險人同一次住院最高給付金額以12萬元為限：
1. Physician-prescribed medication.  醫師指示用藥。
2. Blood (transfusions not necessitated by an emergency).  血液(非緊急傷病必要之輸血)。
3. Registration fees and medical certificates.  掛號費及其證明文件。
4. Ambulance fees to and from the hospital.  來往醫院的救護車費。
5. Surgical fees.  手術費用。
6. Use of operating rooms, recovery rooms, or intensive care units.  手術室、手術後恢復室或急救室及其設備之應用。
7. Medical supplies and materials.  材料費。
8. Laboratory tests, EKGs, and basal metabolic rate tests.  化驗室檢驗、心電圖、基礎代謝率檢查。
9. Rehabilitation therapy.  復健治療。
10. Anesthetics, oxygen, and their application.  麻醉劑、氧氣及其應用。
11. Radiological treatments.  放射線診療費。
12. Hemodialysis.  血液透析費。
13. Injection fees and fluids.  注射技術費及其藥液。
14. Lab fees.  檢驗費。
15. Treatment fees.  治療費。

Policy Regulations

  • Eligible Applicants: Strictly limited to the international student (including Mainland Chinese and Overseas Chinese students) personally.
  • Age Limit: 14 to 50 years old.
  • Policy Type: Named-basis insurance only (non-transferable).
  • Policy Term: One year.
  • Payment Method: Annual or semi-annual payments.

How to File a Claim

  1. When seeking treatment for an injury or illness, you must pay the medical expenses out-of-pocket first, then apply for reimbursement with the required documents.
  2. Required Documents:
    • Completed Claim Application Form.
    • Medical Diagnosis Certificate.
    • Original Medical Receipts.
    • Photocopy of your ARC (Alien Resident Certificate).

Submission: Bring these documents to the OIA Office (Room L104). The International Office will forward your application to the insurance company for processing.