NHI Conundrum (Investment Visa Holder)

Consider yourself lucky! If I could choose not to enroll I certainly would. With a couple of kids and a reasonable salary private health insurance costs about the same but offers far more coverage than NHI. Count your blessings and find private insurance.

Any suggestions for private health insurance?

What about preexisting conditions?

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Yeah I was surprised. Just moved here/ started working here. Employer notified me my US health coverage ended. And I’m thinking “okay, so will be covered by Taiwan now”. Then Taiwan employer said “you can apply for NHI in Taiwan after 180 days”. What the heck?! So I’m without insurance now for 180 days??? I have travel I need to do, will I even ever qualify? Plus now I might actually need to see a doctor…

If it’s something relatively minor just go. Out of pocket expenses are relatively inexpensive even without NHI.

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One example: turning up at emergency department after a bike crash. X-rays, dressings, medication, doctor session. Didn’t have the NHI card at the time, so paid full rate on the day: TWD8000. After bringing the NHI card in days later, received around TWD7500 cash back.

So, you don’t want NHI.

NHI is socialised healthcare

I had a similar experience spent the whole night in the emergency room with an IV and the total cost was about NT$5000/~US$150.

Saw Doctor one time and the bill including the prescription medication was NT800 and I said this is so cheap. He said some people complain if it’s over 200.

your employer does not perticipate in NHI, so you shoud enroll as an individual? usually, people with ARC through employment get NHI from the first day.

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Can anyone recommend a local insurance company?

Unless they make an exception, there is no way I will ever qualify for NHI.

Are you here on a Gold Card? I am uncertain on how this works, but there have been other discussions about such cases here.


Snowstorm I am new to Taiwan but find the bureaucracy stifling. I get a different answer every time I enquire.

FYI: I was told that if I am an employee of a company (and not the owner or CEO) there is no wait period. You can’t rely on one person’s opinion - especially government workers. I was told multiple times I could get NHI as soon as I received my ARC. Then I was told to come back in 6 months. Then I was told I was not eligible as I was not an employee. Then I was told I had to wait 6 more months as I left the country twice. And I was told my kids can only get NHI if I get it.

Taiwan has really fallen behind the other Asian Tigers - Korea, HK and Singapore.

I had an expat employee who was in an accident before he was signed up with Korea’s NHI. Once he was signed up they went back and covered his bills from the accident. I was handling it for him (I speak Korean) and thought I was misunderstanding the NHI worker as the concept was so foreign.

No, I am not on a Gold Card. Just an investment visa.

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As an employee you are covered from day 1, no wait period.

Got it. I’ll adjust the title of this thread to make this clear.

Hope you can sort this out soon!


That’s probably the reason. You don’t speak Mandarin so of course there’d be language barrier.

From the official website:

Yeah we’ve heard enough of this. :roll:

It would be helpful if someone who is here in Taiwan on an investment visa could help out the OP. If some forumosans know about this, please let us know.


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your company has joined NHI?


Funny. I didn’t get one until I actually asked for it lol.

Make this simple.

Is there anyone in your company, who is a foreigner and have ARC AND have a NHI card? If so, ask them. Otherwise, your company should have someone doing admin work like this - who should be able to help you. (Unless your company is too small to do things like this)

I work in Academia Sinica and I don’t even have to lift a finger, other than provide them with my passport ID and ARC copy. A week later, I got a card.

Did you get it in the end?

Bimmerjeff said the monthly premium is higher because you’re considered as “business owner”.