The insurance coverage will be cancelled under the conditions listed below:

1.     Those foreign residents who cease to have a legally acceptable reason to reside in Taiwan or decide not to return to Taiwan will lose their eligibility for coverage and should apply to withdraw from the insurance. All outstanding premiums should be paid prior to departure from Taiwan.

2.     Those foreign residents who leave Taiwan for vacations or on business trips and still have valid permit to remain in Taiwan will continue to have the coverage.

3.     Those foreign residents who plan to leave Taiwan for more than 6 months can either continue to pay the premium to keep the coverage or to withdraw from the insurance. In the latter case, no premium is required. Upon returning to Taiwan, an application to reactivate the coverage should be submitted. Those who choose to discontinue the coverage, but return within the 6-month period need to repay the premiums to cover the period while absent from Taiwan. Those who continue to pay premium and maintain coverage may claim for emergency treatment or childbirth medical expenses while living outside of Taiwan. Proper documentation certifying the medical condition and expenses incurred is required for reimbursement application.

The National Health Insurance Program is mandatory; any person who is qualified for this Program must enroll in the National Health Insurance Program. Any person who doesn’t enroll is subject to a fine of NT$3,000 to NT$15,000. In addition, this person is required to pay the full premiums starting from the date he or she should have been enrolled. No benefits will be offered before the premiums are paid in full. A notice of penalty violation will be delivered in writing and the fine must be paid on time. If the fines imposed remain unpaid, after a given period of time the case will be referred to the courts for compulsory enforcement.

The insured is entitled to receive the following comprehensive medical benefits:

1.     The outpatient service, impatient care and drugs that are provided by the contracted medical care situations in the case of illness, injury or childbearing.

2.     The preventive health care, such as children’s preventive health care, prenatal examinations and adult’s health examinations.

3.     After receiving emergency treatment at a non-contracted medical institution in Taiwan, or at medical institutions overseas, beneficiaries may subsequently apply to the BNHI for cash reimbursement of medical expenses paid out-of-pocket. Reimbursements are made according to the fee schedules published by the BNHI.