For overseas Chinese and international students who have stayed in Taiwan for more than six months but are not yet eligible for National Health Insurance (NHI), our university will provide group health insurance to cover medical expenses during the period without NHI coverage.

I. Insurance Details:

1. Eligibility: Limited to international students (including students from Mainland China and overseas Chinese students) applying for themselves.

2. Age Limit: 14 to 50 years old (those above 50 years old will be assessed individually by the group insurance department).

3. Premium: Insured by name, NT$500 per month.

4. Insurance Period: One year.

5. Payment Method: Annual, semi-annual, quarterly, or monthly payment.

II. Coverage:

(1) Outpatient or Emergency Medical Benefit:

If the insured receives outpatient or emergency treatment at a hospital or clinic due to illness or injury during the policy period (or from the day after enrollment for late enrollees), the company will pay the actual medical expenses incurred (including consultation, prescription, medicine, laboratory tests, X-rays, etc.), up to a maximum of NT$1,000 per visit.

(2) Daily Hospital Room Benefit:

If the insured is hospitalized due to illness or injury during the policy period, the company will pay for the following expenses incurred during hospitalization, up to a maximum of NT$1,000 per day: extra room charges for superior wards, meal expenses (excluding tube feeding), and nursing fees (excluding special nurses).

(3) Hospitalization Medical Expenses Benefit:

If the insured is hospitalized due to illness or injury during the policy period, the company will pay for the following expenses incurred during hospitalization, up to a maximum of NT$120,000 per hospitalization: prescribed medications, blood transfusions (non-emergency), registration fees and related documents, ambulance fees to and from the hospital, surgery fees, use of operating room/recovery room/emergency room and related equipment, material costs, laboratory tests, ECG, basal metabolic tests, rehabilitation, anesthesia, oxygen and its use, radiology, dialysis, injection fees and medication, examination fees, and treatment fees.

III. Group Insurance Model:

The minimum number of insured students per school is 5. The policyholder must be the individual school, and not another school or association. Policy terms must comply with the model clauses for group accident insurance and one-year group life insurance as stipulated by the Life Insurance Association of the Republic of China and filed with the competent authority.

For example, students from School A are not considered members of School B’s group, and thus cannot be insured under School B. Similarly, association members are the schools, not the students, so insurance cannot be arranged under the association’s name. Schools may negotiate group insurance with specific providers and collect premiums together with tuition; students with equivalent medical insurance may apply for exemption by submitting relevant proof. Schools may include Mainland Chinese short-term exchange students (over six months), international students, overseas Chinese students, and students from Hong Kong and Macau (the latter three without NHI for 6 months prior to arrival) in group insurance, and withdraw them from the policy after one semester.

IV. Required Documents for Claims:

1. Receipt;

2. Medical certificate issued by the hospital (must have hospital and physician stamps);

3. Copy of student ID, Alien Resident Certificate, and passport;

4. Copy of front page of remittance account (Taiwan financial institution).