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Group Insurance for newly arrived students

 

International students at universities in Taiwan have to be covered by health insurance. Newly arrived students who are not yet eligible to join the National Health Insurance Program (NHI), have two options: 

1) Buy an international health insurance plan  that covers the first six months of your stay in Taiwan in your home country.

2) Join the Cathay Group Insurance Plan after your arrival in Taiwan. This insurance plan is offered to international students who are not yet eligible to join the National Health Insurance Program, and can only be joined via the NTUST Office of International Affairs.

 

The Cathay Group Insurance Plan

 

Target group:

If newly arrived students wish to have health insurance for the first six months of their stay in Taiwan, they have the option of joining Cathay Life Medical Insurance. The Cathay Life Insurance plan covers expenses for (emergency) treatments of illnesses and injuries, but reimbursements are capped (see "Coverage policy" below). Students who wish to purchase Cathay Life Medical Insurance for the first 6 months of their stay in Taiwan can sign up at the OIA on the day of enrolment. 

In addition to health insurance, all students are covered by an on-campus accident insurance (學生平安保險) which is included in the tuition fee.

 

Insurance Period and Fees:

The Cathay Life Medical Insurance fee is a one-time payment, paid in the beginning of the semester, i.e. from September to February of the following year, or from March to August. 

Premium: NT$3,000 for 6 months (*Price subjects to adjustment).
 

Range of Insurance:
(1) Out-patient clinic for illness and accidents

(2) In-patient treatment for illness and accidents

(3) Coverage of treatment costs for outpatient, emergency or inpatient care incurred abroad (reimbursement caps apply)

 

How to make a claim

If you wish to claim your medical expenses after having purchased the International Students Group Medical Insurance, you should observe the following guidelines: 

1. The insurance covers medical treatment provided by the hospitals specified by the insurance company ONLY. *Please make sure that you go to one of the National Health Insurance covered hospitals or clinics if you are seeking medical treatment.

2. After paying for the treatment, be sure to get a receipt and a medical certificate that details the treatment with the doctor’s signature. Tell the doctor that you need the documents to claim insurance benefits.

3. Fill out the insurance claim form and bring it together with the required documents to the OIA and the staff will assist you to make your claim. 

4. Documents that you have to bring to the Office of International Affairs to claim reimbursement:

  • Receipts of your payments (originals)
  • Medical certificates that spells out treatment details with the doctor’s signature
  • Claim form with the doctor’s signature
  • Copy of your bank deposit book’s cover
  • Copy of your passport
  • Copy of your student ID card
     

Cathay LifInsurance
Group Foreign Students Health Insurance

Coverage Policy

Insurance covers accidents or sickness occurring within Taiwan ONLY. Accidents or sickness requiring specialized medical care or occurring before the insurance policy was taken out will not be covered.

Outpatient/Emergenctreatment benefits

While this Policy is stileffective, if thInsured suffers an illness oinjury and receives (emergency) treatmenat a hospital/clinic aaoutpatient, the company will reimburse all medical expenses incurred. However, the paymenobenefit shall noexceed the limit o1000 NTD (pevisit).

Daily hospital room benefits

While this Policy is stileffective, if thInsured suffers an illness oinjury and receivetreatmenat a hospitaaan inpatient, the company wilreimburse the following expenses incurred:

1. Balance billinohospitarooms.

2. Foodexcepfonutrientprovided through tubfeeding.

3. Nursing care fee, excluding special nurse fee.

However, thpaymenobenefits shall noexceed the limit o1000 NTD (peday).

Hospital miscellaneous benefits:

While this Policy is stileffective, if thInsured suffers an illness oinjury and receivetreatmenat a hospitaaan inpatient, the company wilreimburse the following expenses incurred:

1Physician instructionmedication.

2. Bloodexcepfoblood transfusiondeemed necessary by a doctoprovidinemergency care

3. Registration feand cost of obtaining related certificates

4Ambulance fee (froor between hospitals).

5. Operatiofee.

6Operation roompost-operative recovery roomemergency rooor thapplicatioof itequipment.

7Materials fee.

8Laboratory tests, electrocardiogrambasametabolic rate check.

9. Rehabilitatiotherapy.

10Anaesthetics, oxygenanitapplication.

11Therapeutic radiology.

12. Haemodialysis.

13Injection and its liquid medicine.

14Laboratory examination.

15Treatment.

However, thpaymenobenefit shall noexceed the limit o120,000 NTD (per hospitalization).

Provisions othe Insured

Insurer qualificationsLimited tforeign student(includinMainland Chinese students and Overseas Chinese students)
Age limit of the Insured:  Fro1years old to 5years old.

Insured person’s namshall be specified in thpolicy

Policy period/termOnyear.

Premiupayment mode: half-yearly only

Note

1Thabove information is foreference only. For detailof the termand conditions, please refer to thpolicy contract (Chinese version).

2The termanconditionof the insurance policy (Chinese version) shall prevail if there is any inconsistency betweethabove informatioand the insurance policy.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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