What is Taiwan's NHI?
Taiwan's National Health Insurance (NHI) is a universal healthcare system that covers virtually all residents, including foreigners with a valid ARC (Alien Resident Certificate). It's one of the best healthcare systems in the world — affordable, comprehensive, and accessible.
Am I required to enroll?
Yes, with some conditions:
- Employed: You must enroll immediately through your employer
- ARC holder (not employed): You must enroll after residing in Taiwan for 6 consecutive months
- Students: Can enroll immediately through your school
- APRC holders: Must enroll immediately
How much does it cost?
Your monthly premium depends on your salary and employment status:
- Employed: Premium is shared — you pay 30%, employer pays 60%, government pays 10%
- Self-employed / Freelance: You pay 100% of the premium
- Dependents: Can be added under the primary insured person's plan
Use the calculator above to estimate your monthly cost.
What does NHI cover?
Almost everything:
- Outpatient visits (clinics & hospitals)
- Emergency care
- Hospitalization & surgery
- Prescription medications
- Traditional Chinese medicine
- Dental care (basic)
- Mental health services
- Maternity care
Not covered: cosmetic surgery, some advanced dental (braces, implants), private hospital room upgrades.
How much are copays?
| Service | Copay | |---------|-------| | Clinic visit | NT$50-150 | | Hospital outpatient | NT$170-420 | | Emergency room | NT$150-550 | | Prescription drugs | NT$0-200 | | Hospitalization | 5-30% of costs |
How do I enroll?
- Get your ARC from the immigration office
- Wait 6 months (or start working immediately)
- Go to your local NHI office with: ARC, passport, 2 photos
- Receive your NHI card within 1-2 weeks
- Start using it at any hospital or clinic
Can I use NHI at any hospital?
Yes! Unlike many countries, there's no "network" restriction. You can walk into any NHI-contracted clinic or hospital (which is almost all of them) and use your NHI card.
What about the supplementary premium?
If you earn additional income (bonuses, rent, dividends, freelance income) exceeding NT$28,590 in a single payment, a 2.11% supplementary premium is charged on that amount.