Do I need Health Insurance When Moving to Taiwan?

Moving to Taiwan as an expat or digital nomad comes with a myriad of exciting opportunities and adventures. However, amidst the excitement, it's crucial to consider practical matters such as health insurance. Taiwan has a robust National Health Insurance (NHI) system, which provides comprehensive coverage to residents, including foreigners who have obtained residency. However, upon arrival and before obtaining residency or enrolling in the NHI, newcomers must ensure they have adequate health insurance coverage. Taiwan does not explicitly mandate a minimum coverage amount for entering the country, but having health insurance is advisable to cover any medical expenses during the initial period. It's important to note that the requirements may vary depending on the type of visa and the pathway to residency you are pursuing.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance policies can meet the requirements for the initial period before you are eligible for Taiwan's NHI, provided they offer sufficient coverage for medical expenses in Taiwan. It's essential to check that the policy covers outpatient and inpatient care, emergency services, and possibly medical evacuation. The insurance should be valid for the duration of your stay until you can join the NHI, which typically requires a waiting period of up to six months after obtaining your Alien Resident Certificate (ARC). It's advisable to contact the Bureau of National Health Insurance or a legal advisor to confirm the latest requirements for your specific situation.

Which local health insurers offer this type of insurance?

Several local insurance companies in Taiwan offer health insurance plans suitable for expats and digital nomads during their initial stay. These insurers include Cathay Life Insurance, Fubon Insurance, and Taiwan Life Insurance, among others. These companies provide a range of products that cater to different needs and budgets, with some offering plans specifically designed for foreigners. It's important to compare the plans, understand the terms and conditions, and ensure that the coverage meets your needs before making a decision. Additionally, some international insurance providers also offer plans that are compatible with the requirements in Taiwan.

Advice from Expats in Taiwan about Health Insurance

Experienced expats in Taiwan often emphasize the importance of understanding the local healthcare system and ensuring that your insurance provides adequate coverage. When selecting a health insurance plan, consider factors such as the coverage limit, deductible, co-payment, and whether it includes dental and vision care. It's also wise to check the network of hospitals and clinics covered by the insurance to ensure accessibility. Expats recommend reading the policy details carefully and asking for clarifications on any exclusions or limitations. Once you are eligible for the NHI, joining the system is highly recommended as it is affordable and provides extensive coverage, making it a cornerstone of healthcare for residents in Taiwan.