Overseas Chinese Student Medical Insurance

To ensure medical protection for overseas Chinese and international students who do not yet qualify for National Health Insurance,students who do not meet the requirements of the National Health Insurance Actmay participate inOverseas Chinese Student Medical Insurance . The insurance is valid for six months, with 50% of the cost subsidized by the Overseas Community Affairs Council and 50% paid by participating students. Students who join it and take a leave of absence or withdraw from school during the valid insurance period still retain their insurance rights.

1. Eligible Participants: New overseas Chinese students who are not yet eligible for National Health Insurance and who have resided in Taiwan for under six months.

2. Fees: NT$600 per semester, paid together with tuition and miscellaneous fees (Academic Year 114)

3. Regulations:

1. During the insurance validity period, if medical treatment is required due to illness or accident, students may seek treatment at any contracted clinics or hospitals under the National Health Insurance program . Medical fees must be paid first by the student. Afterward, submit the original receipt and medical certificate in person to the Division of Overseas and International Degree Student Affairs to apply for reimbursement from the insurer.

2. Outpatient: For the same symptom, only one claim per day is allowed, with a maximum reimbursement of NT$1,000 (including the registration fee).

3. Outpatient surgery: If surgery is required and the word “surgery” is indicated on the medical receipt, with a maximum reimbursement of NT$7,000.

4. Hospitalization: Due to insurance-related illness or accident, only third-class hospital beds are covered; if unavailable, with insurer’s approval, second-class beds may be used but must be transferred to third-class beds when available. Costs for upgrading beds must be paid by the student. After paying hospitalization fees, students should submit the original receipt and medical receipt by in person to the insurer for reimbursement with a maximum reimbursement of NT$120,000.

4. Medical Benefits::

(1) Outpatient: Consultation, treatment or surgery; necessary medications, injections, materials, and laboratory tests.

(2) Hospitalization: Consultation, treatment or surgery; necessary medications, injections, materials, laboratory tests, nursing care, third-class hospital bed, and meals.

5. Medical Exclusions::

(1) Injuries or illnesses caused by suicide, alcoholism, drug abuse, criminal acts, or war and civil unrest.

(2) Infertility, pregnancy, miscarriage or childbirth and related complications.

(3) Health checkups, vision correction, preventive vaccinations, cosmetic surgery, teeth cleaning, dentures, prosthetics, artificial eyes, or other auxiliary devices.

(4) Ambulance, medical certificate, designated physician fees, special nursing care, companion fees, non-treatment supplies.

(5) Systemic lupus erythematosus (congenital), hemophilia, hyperhidrosis, AIDS, sexually transmitted diseases, congenital diseases, sterilization surgery, organ transplantation, pre-existing conditions before insurance.

(6) Dental patients, simple convalescence, rest or rehabilitation are not eligible for hospitalization treatment.

6. Reimbursement Application Notes:

(1) Application period: Reimbursement claims must be submitted within 180 days for accidents and within 2 years for illnesses.

(2) Application procedure:

1. Fill out the “Student Group Insurance Claim Form”(available at the Division of Overseas and International Degree Student Affairs)

2. Bring and submit the following documents:

① Original medical certificate

② Payment receipt(original or copy)

③ Copy of applicant’s bankbook cover

④ Copy of passport and residence permit

⑤ Copy of proof of insurance payment for the semester in which the accident occurred