Taiwan Healthcare FAQ 台灣健保常見問題
Taiwan has recently received a lot of press for its great response to the Covid-19 outbreak. But Taiwan has had a world class universal healthcare system for decades, known as National Health Insurance (NHI). People have long been coming to Taiwan for "medical tourism," due to Taiwan's low cost and high quality medical care. In this article we will answer common questions about Taiwan's healthcare system and why it is perhaps the best in the world.
Please note that some of the answers below are anecdotal based on personal experience using National Health Insurance in Taiwan, and are for reference only.
Q: When and how did Taiwan's universal healthcare system start?
A: Taiwan's National Health Insurance system started in 1995, and was modeled after medicare in the USA, but for the entire population. Taiwan's government studied and modeled the best parts of healthcare systems from many different nations.
Q: What kind of healthcare does Taiwan have?
A: Taiwan's healthcare system is classified as single payer compulsory social insurance plan, with a centralization of funds. This means that it has universal healthcare for all 23 million people in the island, and almost everyone in Taiwan must join the program and pay monthly fees for its use.
Some other fun facts about Taiwan'[s healthcare:
Q: How do I qualify for National Health Insurance in Taiwan?
Q: How do I get an NHI card?
A: NHI cards are electronic IC cards that carry the health information of the person.
To get an ARC, you need a work permit or other visa that is valid for over six months. After you receive your ARC, you need to apply for an NHI card from the NHI bureau.
Q: Is it easy to see a doctor in Taiwan?
A: Yes, small clinics are everywhere in major cities, as well as many large hospitals.
However, clinic and hospital coverage is few and far between in mountain areas and on outer islands.
Q: Do most doctors speak English in Taiwan?
A: Yes, most doctors speak English and have to deal with foreign patients daily, especially in large cities. Also, to be certified they must pass rigorous tests in English and Latin.
Some doctors have also studied overseas and speak perfect English.
However, in my experience most nurses or assistants at clinics cannot speak or understand English very well, and you may get a worried look if you walk in the door.
Q: Are Taiwanese doctors corrupt?
A: In general no, they are all paid from the National Health Insurance system and you do not need to pay an extra red envelope to get care. However some doctors try to push treatment not covered by NHI for extra revenue.
Q: Are there long wait times for doctors in Taiwan?
A: No, you can see a doctor at any small clinic within half an hour or sooner. Most of the time I am done with a walk in clinic within ten minutes.
You might wait more than an hour on weekends or at large public hospitals.
Q: Are there enough doctors per capita?
A: Yes, there are about 2 doctors per 1,000 people.
Q: Are there enough hospital beds per capita?
A: Yes, there are about 6 hospital beds per 1,000 people.
Q: How much does it cost to get stitches in Taiwan?
A: It cost me 700 NT to get about 7 stitches in my forehead with NHI.
Q: How much does it cost to give birth in Taiwan?
A: It usually costs about 10,000-20,000 NT to give birth with NHI in Taiwan. However if you are part of Taiwan's labor pension system you can get a birth stipend that more than covers this amount.
Q: Is it safe to give birth in Taiwan?
A: Yes, perhaps safer than giving birth in the USA! The healthcare standards here are very high, and infant and mother mortality rates are very low compared to the rest of the developed world.
How much does National Health Insurance (NHI) cost for normal citizens?
This depends on your status and salary amount. National health insurance payments are taken out of monthly salary, while a portion of the amount is paid by the company and the government. Employees contribute about 30%, companies contribute about 60%, and the government contributes about 10%.
Salary contributions are based on asalary grade table set by the NHI bureau. The table also charges extra for up to three dependents (further dependents are free).
Below is an example of contributions for a monthly salary of 60,000 NT:
Q: How much does Taiwan's healthcare system cost for the whole country?
A: Healthcare in Taiwan costs about $752 USD per capita per year, and about 6% of GDP.
Q: What does Taiwan's National Health Insurance cover?
Q: What is not covered by Taiwan's National Health Insurance?
Q: Do I need additional insurance beyond NHI?
A: Generally no, NHI should cover all normal ailments. But personally I do have extra insurance because I know that NHI does not cover most cancer treatment, and may not cover large or prolonged procedures.
Q: How much is a normal copay in Taiwan?
A: About 150-200 NT (5 - 7 USD).
There may also be co-payments for drugs depending on their price.
Q: How much is it to see a doctor without NHI coverage?
A: It cost me a total of 500 NT (15 USD) for a diarrhea shot and antibiotics one time when I had the stomach flu while travelling in Taiwan without NHI.
Q: Do I need to wear a surgical mask when visiting clinics in Taiwan?
A: Currently during the Covid-19 crisis, yes. Also it is good manners in Taiwan to wear a mask if you are sick.
Q: What is the difference between hospitals and clinics in Taiwan?
A: Clinics should be your first contact when getting sick. They are usually small and do not have the same capacity as hospitals, but are also faster and cheaper.
If your ailment cannot be cured at a clinic, the clinic can refer you to a hospital which has more resources.
Q: What are the main pros and cons of Taiwan's health system?
Have any more questions about NHI?
Thanks for reading! In conclusion I want to add that even though NHI doesn't cover everything, it is the fastest, cheapest, and most effective medical system I have ever heard of, and one of the major reasons I chose to live in Taiwan.
8/1/2020 08:06:02 am
how is health care contribution calculated for someone paid from overseas? What about if paid from overseas and falling into the 90<x<183 day tax category?
Foreigners in Taiwan
8/2/2020 03:53:46 pm
No, the calculation is the same. National health insurance is the same for tax resident and non tax residents, and should be the same for people receiving salary overseas while working in Taiwan.
8/4/2020 08:44:18 am
Thank you, however my question was how is the split calculated for contributions? Normally the split is 30/60/10. When income is paid from a foreign company or the foreign branch of a company with a local office, what is the contribution by the insured?
8/4/2020 07:37:18 pm
Girlfriend (Taiwanese ) is asking me if I want to get additional insurance. It seems a bit complicated. From my understanding, I would basically be locked in a contract spending roughly 35,000 NTD (which may vary from year to year) a year for 40 years. That’s almost 50,000 USD. Seems like a lot, maybe because I’m cheap, but what experience have you had with this?
12/2/2020 04:48:36 pm
The system is good and the standard high.
2/26/2021 09:58:34 am
I’ve been in Taiwan for 2 years and never had NHI or any insurance in Taiwan, now I continue my study in University and the university wants to help me make a new one, but suddenly ministry of health and welfare ask me to paid for 1 year insurance that I never used, what is this about and what should I do? I don’t want to pay something that I never used that’s also the reason I didn’t buy any insurance in Taiwan.
4/4/2021 04:59:11 pm
Taiwan's government health insurance program is compulsory, so everyone living here is required to be enrolled (and if you're enrolled, you have to pay the monthly premium fees). There are exceptions such as if you're here less than six months or something. Unfortunately you can't opt-out, and they'll require you to pay for the entire period that you should have been enrolled. After paying the premiums you owe, you are allowed to claim refunds for healthcare costs incurred in the previous year or so which would have been subsidized by the insurance.
7/5/2021 01:16:31 pm
What happens if I forgot to pay my hospital bill (Nt$150)? Can I pay for it at a 7/11?!
9/3/2021 08:12:44 pm
Im planning to have veneers or crown teeth, i just want to know if this procedure is cover of NHI Taiwan?
9/13/2021 01:52:02 pm
Was wondering what additional insurance you have? At the moment I still have an international health insurance, but being eligible for NHI now, I'd like to switch as its quite costly.
10/6/2021 03:25:06 pm
Hello, I wanna ask, what will happen if we decide not to pay the NHI due to can't afford reason. will we get some punishment or fine?
9/2/2022 06:10:47 am
aiwan's National Health Insurance system started in 1995, and was modeled after medicare in the USA, but for the entire population. Taiwan's government studied and modeled the best parts of healthcare systems from many different nations. Thank you so much for sharing all this wonderful info with us! It is so appreciated!
1/12/2023 01:30:42 pm
This post is so useful, as with every other page on your blog, thank you! I have read different things for people with an ARC but not employed, so I have a question about my own situation: I have a gold card employment visa (which doubles as an ARC), but I am founding a start-up in Taiwan so upon arrival I'll technically be unemployed. (Eventually I expect to be employed by my company, but I can't register the company until I've been here for six months). Can I use my gold card (ARC) to enrol for NHI now, as an unemployed person, or must I wait six months?
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We are US Expats that have extensive experience living, working, and travelling in Taiwan. In our day, we had to learn many things about Taiwan the hard way. But we have come to learn that Taiwan is one of the best places in the world for Foreigners to live. Our blog does not represent the opinions of every foreigner in Taiwan. We are just trying to help others learn more about this beautiful country.