学生保险相关事项 Student Insurance Information

一、外籍生健康保险(三商美邦人寿保险)

对象：初次抵台求学之外籍生及未符合加入台湾全民健保资格者（含侨生、港澳生及海青班学生）。
保费：抵台入学后起算6个月时间（自行负担每月500 元）。
就医规定：商保效期内需前往就医的同学，需先自行付费。
相关三商美邦人寿理赔事宜，务必提供以下资料，缺一不可!!!!!

1.理赔申请书(至华语文教学中心填写)。
2.医疗诊断书。
3.医疗收据。
4.邮局帐户影本。

理赔项目只限必要的医疗(如感冒、发烧、肠胃痛…等疾病)。
自杀、违法、美容类、矫正牙齿、健检、施打疫苗…等不能申请。

理赔金额规定如下：
1．门诊：收据实支实付，每日1,000元为上限。
2．病房/住院:收据实支实付，每日1,000元为上限(最高给付365天)。扣除病房费外、杂费、必要医疗费用12万内实支实付。病房费/住院日额只能选一种。

建议同学们要自行存留收据及诊断书的影本资料，并清算已垫付的金额，以防突发文件遗失的状况。
送华语文教学中心转交保险公司申请理赔。
商保效期期满，尚未符合参加全民健保资格者，应继续投保(以月计算)，至符合参加全民健保资格为止。

I. Health Insurance for International Students (Mercuries Life Insurance)

Eligibility:
Newly arrived international students in Taiwan and those not yet eligible for Taiwan’s National Health Insurance (including overseas Chinese students, Hong Kong and Macau students, and overseas youth vocational program students).
Premium:
Coverage starts from the date of enrollment and lasts for 6 months. Students are required to pay NT$500 per month.
Medical Treatment Policy:
During the insurance period, students must pay medical expenses upfront when seeking treatment.
Required Documents for Mercuries Life Insurance Claims (all mandatory):

Claim application form (to be completed at the Chinese Language Center)
Medical diagnosis certificate
Medical receipts
Copy of post office account

Coverage:

Claims are limited to necessary medical treatments (e.g., colds, fever, gastrointestinal issues, etc.).
Not Covered:
Suicide, illegal activities, cosmetic procedures, orthodontics, health check-ups, vaccinations, etc.
Claim Payment Regulations:

Outpatient: Reimbursement is based on actual expenses, with a daily maximum of NT$1,000.
Ward/Hospitalization: Reimbursement is based on actual expenses, with a daily maximum of NT$1,000 (up to 365 days). Aside from ward fees, other necessary medical expenses are reimbursed up to NT$120,000. Only one option between ward fee or daily hospitalization fee can be selected.

Additional Notes:

Students are advised to keep copies of all receipts and medical certificates and record the amounts already paid, in case of document loss.
Submit documents to the Chinese Language Center, which will forward them to the insurance company for claim processing.
After the Mercuries Life Insurance period ends, students who are still not eligible for National Health Insurance should continue to purchase coverage on a monthly basis until they meet the eligibility requirements.

二、全民健康保险

背景与法令规定

依据全民健康保险法之规定，持有居留证明文件在台居住满6个月者均应参加全民健康保险。在台居住满6个月，系指进入台湾地区并取得外侨居留证后，连续居住达6个月或曾出境1次未逾30日之实际居住期间扣除出境日数后，并计达6个月。(港澳生需领取居留证日起算6个月）。

保险费金额

外国学生健康保险费每月为新台币826元（依健保署现行收费标准办理），费用由学生自行负担。

转出或退出本校代办健康保险情形

休学、退学、毕业、转学、工作者务必至华语文教学中心办理健康保险退保事宜。

补发或换发健保IC卡

如因身分资料变更、毁损、遗失、更换照片等申请换发健保IC卡者，投保校内国际事务处办理，投保校外至邮局、中央健康保险局缴交工本费新台币200元及申请表办理。

详细相关规定请洽『中央健康保险局台北分局』

尚未符合参加全民健保资格者，应自费参加医疗保险，就医规定同侨保、商保。

II. National Health Insurance (NHI)

Background and Legal Regulations

According to the National Health Insurance Act, individuals holding a residence permit and residing in Taiwan for at least 6 months are required to enroll in the National Health Insurance program.

Residing in Taiwan for 6 months refers to the period after entering Taiwan and obtaining an Alien Resident Certificate (ARC), during which the individual stays continuously for 6 months, or may leave Taiwan once for no more than 30 days; the days outside Taiwan are deducted, and the remaining period counts toward the 6 months. (For students from Hong Kong or Macau, the 6-month period starts from the date of ARC issuance.)

Insurance Premium

The monthly premium for international student health insurance is NT$826 (in accordance with the current premium rate set by the National Health Insurance Administration), and the cost is to be borne by the student.

Withdrawal or Termination of School-Arranged Health Insurance

Students who suspend their studies, withdraw, graduate, transfer to another school, or start working must go to the Chinese Language Center to process the cancellation of their health insurance.

Reissuance or Replacement of NHI IC Card

In cases of changes in personal information, damage, loss, or photo replacement, students may apply for a reissued NHI IC card.

Students insured through the university should apply at the Chinese Language Center.
Students insured outside the university should apply at the post office or the National Health Insurance Administration, submitting the application form and paying a processing fee of NT$200.

For Detailed Regulations

Please contact the Taipei Branch of the National Health Insurance Administration.

Those who are not yet eligible to enroll in NHI must purchase medical insurance at their own expense. The medical treatment regulations are the same as those for Overseas Chinese student insurance and private insurance.

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学生保险相关事项 Student Insurance Information