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Please complete this short form to request additional information in relation to Taiwan Health Insurance options. Once you have submitted your request our expert knowledge advisors will provide you with the additional clarification you require.

Taiwan Health Insurance Coverage Definitions

Below is a dictionary of common Taiwan Health Insurance definitions, as well as a list of typical exclusions under a Taiwan Medical Insurance plan.

What is Insurance?

The general definition of insurance is: equitable transfer of risk for a predetermined fee.

What is Health Insurance?

Health insurance plans transfer the risk of costly fees, particularly those associated with serious accidents or illness, to an insurance company.

Below are specific terms which often crop up in Taiwan Health Insurance Plans.

Acute Illness: illness which comes on quickly and only lasts for a short period of time.

Anniversary Date: this applies to policies with a term of longer than one year, and refers to the policy’s inception and renewal dates.

Applicant: individual seeking insurance policy

Application: materials required to be submitted to be considered for medical insurance

Claim: request by the insured party for policy benefit from his/her insurance provider.

Commencement Date: insurance policy beginning point

Deductible: a contractual requirement for the insured party to be responsible for a pre-determined monetary amount for each claim.

Documents: these can include various types of records, legal forms and other notes which may be required for filing claims.

Due Date: insurance policy premium delivery date.

Hospitalization: refers to insurance policies which fully or partially cover hospital expenses.

In-patient: staying overnight at a hospital or medical facility for treatment.

Out-Patient: the opposite of “in-patient” refers to treatment which does not require overnight stay.

Policy Conditions: insurance contract provisions, regulations and legal ramifications.

Policyholder: the party covered under an insurance plan; in a group policy, this refers to the employer, labor union, or trustee. For individual or family plans, the policyholder is the person to whom the contract is issued.

Policy Schedule: indicates level of cover purchased and with relevant sections of policy literature outlining details of coverage.

Pre-existing Condition: refers to health conditions and ailments which the insured party had before the start date of insurance policy. Certain policies will not cover pre-existing conditions; details should be discussed with health insurance adviser.

Reimbursement Rates: this is the cap, or maximum amount of medical cover that the insurance company will spend per year, beginning from policy inception date and described in detail in the conditions of the policy.

Region: geographical area within which coverage is valid; varies as per the terms of the policy.

Renewal: Continuing an insurance contract for an additional period (technically and legally a new contract)

Serious Injury: injury resulting in death; dismemberment; significant disfigurement; a fracture; permanent loss of use of a body organ, member, function or system; permanent consequential limitation of use of a body organ or member; significant limitation of use of a body function or system; or a medically determined injury or impairment of a non-permanent nature which prevents the injured person from performing substantially all of the material acts which constitute such person's usual and customary daily activities.

Special Terms: refers to conditions which deviate from the usual policy provisions

Standard Terms: usual policy provisions in an insurance policy

Subrogation: legal term referring to the common law right of indemnifying insurer to take over and benefit from recovery rights possessed by insured against third parties

Surgery: medical practice of treating diseases, injuries, or deformities; this term can be used broadly to refer to manual or operative procedures.

Terminal Phase: when a patient cannot be cured or adequately treated and is reasonably expected to die within a short amount of time.

Waiting Period: refers to time period before claims can be made for a specific treatment. Detailed information on waiting periods can be found by clicking here.

Taiwan Health Insurance Exclusions

As in most places, Taiwan Health Insurance plans tend to exclude certain medical conditions and treatments from coverage. Exact exclusions will vary, but there are some general exclusions which appear in many Taiwanese medical insurance plans.

Pre-Existing Medical Conditions are normally excluded from coverage, unless otherwise specified under a Taiwan Medical Insurance policy. Further information about Pre-Existing conditions may be found above, or by clicking Pre-existing Condition Insurance Coverage.

Common exclusions under Taiwan Health Insurance plans include:

Although the above mentioned exclusions generally apply across the Taiwan Health Insurance industry, in some cases it may be possible to cover certain exclusions, depending on the medical insurance plan.

Taiwan Health Insurance About Us

For any queries or clarifications required on terminology in Taiwan’s health insurance plans, contact a Taiwan Health Insurance advisor for further information.