Social Security in Taiwan
Find out about an individual's obligations and benefit entitlements under Taiwan’s social welfare system...
Taiwan's current social security system is limited beyond labour insurance and publicly funded healthcare. In reality, many people lean heavily on their families for support. Beyond compulsory labour and health cover, foreigners are eligible for little in terms of social security benefits.
Taiwan has no reciprocal social security agreements with other counties.
Labour and Health Insurance
All foreigners working in Taiwan must join both the National Health Insurance (NHI) and Labour Insurance schemes. Full time employees get labour insurance through their company while part time employees must join a union, through which they can be insured. The costs of labour insurance premiums are split as follows: employer 70 percent, government subsidy 10 percent and employee 20 percent. The insurance covers death, injuries and illness, childbirth, loss of daily functional abilities, medical costs from occupational hazards and a pension.
- For more information on the benefits provided: Click here
Individuals who sustain an illness or injury while working are covered by Labour Insurance. During the first two years of medical treatment the cover provides first 70 percent, then 50 percent of a worker's employees insured wage, which is not the same as their full wage. Employers themselves should ensure that the employee receives their full wage for the first two years. If recovery is not complete after two years the employer is obliged to pay a lump sum. Insurance claims should be made through the insurer; a form must be completed and appropriate proof of the situation provided.
Anyone covered by Labour Insurance can claim injury or sickness benefits if they are receiving medical treatment and cannot work. Claims can be made through the insurer from the fourth day that a person has been unable to work. Labour Insurance provides people who can't work, because of injury or illness, with 50 percent of their insured salary for one year.
- To find out about insured salary, which is linked directly to monthly earnings: Click here
Publicly funded healthcare in Taiwan is based around the National Health Insurance scheme, or NHI. It is a compulsory social insurance payable by all residents of the country. It provides all individuals who are resident in the country with equal access to the country's healthcare system. Foreigners who have moved to the country and have a full time job join the NHI scheme on the day they begin working. When someone is ill or injured, the NHI scheme pays a significant portion of the costs of medical care and medicines; it does not provide total cover. Healthcare provision ceases when an individual's Alien Resident Card (ARC) expires; at this point an application for withdrawal from the scheme should be made.
- For more information on healthcare in Taiwan see the Angloinfo information page Health, Doctors, Hospitals and the Medical System in Taiwan
Employment Insurance provides holders with unemployment benefits. Only native citizens between the ages of 15 and 60 are eligible. Since an amendment in 2009, foreign spouses of Taiwanese citizens are eligible for employment insurance. The insurance provides between six and nine months of benefits depending on the applicant's age. Benefits include:
- Unemployment benefit
- Early reemployment incentives
- A living allowance for vocational training
- Subsidised National Health Insurance premiums
- For full information on how to apply for these benefits: Click here
- Swiss Life page on social security in Taiwan: Click here (PDF)
- The Bureau of Labour Insurance
- National Immigration Agency information for foreigners