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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(至国际处填写)。
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。
送国际暨两岸事务处综合业务组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。
二、全民健康保险
1.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）。
2.保险费缴纳方式及金额
依规定由学校将外国学生应缴纳之健康保险费列入每学期学杂费缴款单，由学生于注册时一并缴纳。外国学生保险费每月新台币 826 元（依健保局现行收费标准），第一学期缴纳 9月 至次年2月保险费（共 4,956 元），第二学期缴纳 3 月至 8 月保险费（共 4,956 元）。
已于其他单位投保，且不转至学校投保请告知国际专修部承办人，并于每学期初检查学杂费缴费单以避免重复缴费。
3.转出或退出本校代办健康保险情形
休学、退学、毕业、转学、工作者务必至国际事务处办理健康保险退保事宜。
4.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。
5.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。
I.Health Insurance for Foreign Students (MercuriesLife Insurance)
1.Eligibility: Foreign students newly arriving in Taiwan and those not yet eligible for National Health Insurance, including overseas Chinese students, Hong Kong/Macau students, and students in the Overseas Youth Vocational Training Program.
2.Premium: NT$500/month for the first 6 months after arrival (self-paid).
3.Medical Care: During the coverage period, students must pay medical fees up front and later file a claim.
4.Claim Requirements (all documents required!!!!!).
（1）Claim form (completed at the International Office).
（2） Medical diagnosis certificate
（3）Medical receipts.
（4）Copy of postal account.
（5）Coverage: Only necessary medical treatments (e.g., colds, fever, stomachache) are covered.
Not covered: suicide, illegal acts, cosmetic procedures, orthodontics, health checks, vaccinations, etc.
Insurance Compensation Details:：
1.Outpatient visits：Reimbursed based on actual expenses, up to NT$1,000 per day.
2.Hospitalization/Ward: Reimbursed based on actual expenses, up to NT$1,000 per day, for a maximum of 365 days.
In addition to the daily limit, miscellaneous and necessary medical expenses are reimbursed up to NT$120,000 (excluding ward fees).
*You may claim either the ward fee or the daily hospitalization allowance — not both
Students are strongly advised to keep copies of all receipts and medical certificates, and to track any advance payments, in case original documents are lost.
Submit your claim documents to the International and Cross-Strait Affairs Office, which will forward them to the insurance company.
If your commercial insurance coverage ends and you are still not eligible for National Health Insurance, you must continue the commercial insurance on a monthly basis until you become eligible.
II.National Health Insurance (NHI)
1.Eligibility:
According to the National Health Insurance Act, anyone holding a residence permit and residing in Taiwan for at least 6 months must enroll in NHI. "6 months" means continuously residing in Taiwan or leaving once for no more than 30 days (the days abroad are subtracted). For students from Hong Kong and Macau, the 6-month period starts from the date the residence permit is issued.
2.Payment Method and Amount
NHI fees are included in the semester tuition and miscellaneous fees bill and paid during registration.
The premium is NT$826 per month (based on current NHI standards). First semester: September to February (NT$4,956), second semester: March to August (NT$4,956)
If you are already insured through another provider and do not wish to switch to the school’s plan, please inform the International Office and check your fee bill each semester to avoid double payment.。
3.Withdrawal from School Health Insurance
If you take a leave of absence, withdraw, graduate, transfer, or start working, you must cancel your NHI coverage at the International Affairs Office.
4.Reissue or Replacement of NHI IC Card
For changes in personal info, damage, loss, or photo updates: School-insured students: apply at the International Affairs Office. Others: apply at the post office or NHI Bureau with the application form and NT$200 fee.
5.More Info please contact:详细相关规定请洽『Taipei Branch of the National Health Insurance Administration』
Those not yet eligible for National Health Insurance must purchase medical insurance at their own expense. Medical treatment rules are the same as for Overseas Chinese or commercial insurance.
