NHI for Self-Employed (Gold Card)

Reviving a topic that was discussed in the past and linking it to the new Gold Card. I hope that some of the pioneers who received theirs in 2018 and 2019 will share their view or experience :pray:

Many posted on the Gold Card forum that they plan to freelance (a.k.a. working on a project basis from all over the world) or to keep working for their overseas company but while being based in Taiwan. A video shared by @fifieldt (thanks again man :love_you_gesture: ) showed Minister Tang confirming that the Gold Card was particularly crafted to meet the needs of freelancers.

The million-dollar question is: how to calculate the monthly contribution to NHI, considering that freelance income might vary from month to month? For the sake of this discussion, I am considering the extreme scenario: not opening a local business entity (so not being an employee of one’s own company) and income not fixed (so not working in Taiwan as a remote employee of a, say, US company). And Gold Card holder as a single professional, not a dependant of a Taiwanese spouse.

Thank you!

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FYI

Articles 20 and 21 of National Health Insurance Act.

In Chinese
https://www.nhi.gov.tw/Content_List.aspx?n=A3F4A92F8D82BAD8&topn=CB563D844DBDA35A

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As far as I know, NHI is fixed at around 700-something a month. Basically category 6, insured by household registration office. It’s what you pay if you’re freelance or unemployed.

It doesn’t sound like much but if you make nothing, it’s a lot. But they don’t deny benefits anymore for not paying (they used to and people died because they couldn’t afford it).

I’m sure gold card is something similar…

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Reference for NHI ‘category’ in case it’s helpful: https://www.nhi.gov.tw/english/Content_List.aspx?n=B9C9C690524F2543&topn=46FA76EB55BC2CB8

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Thanks all for your tips :hugs:

@tando The two articles clarified everything.

A similar topic has come up in the gold-card thread by @BananaJay : "Employment gold card" for some foreigners

Unfortunately, I am not really getting what the links posted by @tando mean in this context. Article 20 says:

If the insured prescribed in Categories 1 and 2, has no stable income, the insured shall select the proper insured payroll-related amount from the Grading Table of insured payroll-related amount and such insured payroll-related amount shall be examined by the Insurer, who may make adjustment at its own discretion if the insured payroll-related amount is found inappropriate.

So it’s up to the Insurer (= NHI) to decide if they want to charge more or not?

Article 21 states:

In case that the income of the insured in Categories 1 and 2 as prescribed in the previous article is adjusted between February and July of the current year, the group insurance applicants shall notify the Insurer the adjusted insured payroll-related amount by the end of August of the same year, or notify the Insurer by the end of February of the following year if the adjustment is made between August of the current year and January of the following year, which shall become effective on the first day of the following month after notification.

So no retroactive payment then? But as a self-employed person you need to notify NHI two times a year about the income of the last months and the new payment will get effective the following month?

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Thanks for linking the discussion, man. Appreciated :grin: When it’s my turn, I will probably try to mention the Articles to the officer just to double-check whether it is true or not that we must notify NHI twice a year in the event of any change.

Where’s that video link? (The Minister Tang one) Thanks!

Just click on the blue link. She is awesome btw :grin: Wish my home country had this kind of ministers as well.

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