| General Premium |
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National Health Insurance premiums for individuals in category 1, 2, and 3 are calculated based on the monthly income they report to the National Health Insurance Administration. The premiums of individuals in categories 4, 5, and 6 are based on the average premium of the people enrolled in category 1, 2, and 3.
The formulas used to calculate premiums are as follows:
| Category 1 |
The insured |
Salary Basis x insurance premium rate x contribution ratio x(1 + number of dependents) |
| Insurance unit, government |
Salary Basis x insurance premium rate x contribution ratio x(1 + average number of dependents) |
| Category 2 and 3 |
The insured |
Salary Basis x insurance premium rate x contribution ratio x(1 + number of dependents) |
| Government |
Salary Basis x insurance premium rate x contribution ratio x(1 + actual number of people insured) |
| Category 6 : Veterans, veterans' dependent |
The insured |
Average premium x contribution ratio x number of dependents |
| Government |
Average premium x contribution ratio x actual number of people insured |
| Category 6 : Regional population |
The insured |
Average premium x contribution ratio x(1 + number of dependents) |
| Government |
Average premium x contribution ratio x actual number of people insured |
NOTES:
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Salary Basis: The amogunt on which premiums are calculated based on a payroll bracket table.
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Insurance Premium Rate: 5.17% since January 1, 2021.
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Contribution Ratio: Based on ratios set by National Health Insurance Act.
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Number of Dependents: Maximum of three, even if actual number of dependents is higher.
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Average Number of Dependents: Beginning January 1, 2024, the number of persons is announced as 0.56.
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Beginning in January 2026, the average monthly premium for individuals in categories 4 and 5 will be NT$2,324. It is entirely subsidized by the government.
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Since January 2021, the average premium for individuals in Category 6 has been NT$1,377, with 60% paid for by the individual (NT$826) and 40% by the government.
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Premium Contribution Ratios under NHI System
| Classification of the Insured |
Contribution Ratio (%) |
| Insured |
Registration Organization |
Government |
| Category 1 |
Civil servants, volunteer servicemen, public office holders |
>Insured and dependents |
30 |
70 |
0 |
| Private school teachers |
Insured and dependents |
30 |
35 |
35 |
| Employees of public or private owned enterprises and organizations |
Insured and dependents |
30 |
60 |
10 |
| Employers Self-employed Independent professionals and technical specialists |
Insured and dependents |
100 |
0 |
0 |
| Category 2 |
Occupation union members
Foreign crew members |
Insured and dependents |
60 |
0 |
40 |
| Category 3 |
Members of farmers', fishermen's and irrigation associations |
Insured and dependents |
30 |
0 |
70 |
| Category 4 |
Military conscripts, alternative military service, military school students on scholarships, widows of deceased military personnel on pensions, inmates |
Insured |
0 |
0 |
100 |
| Category 5 |
Low-income households |
Household members |
0 |
0 |
100 |
| Category 6 |
Veterans and their dependents |
Insured |
0 |
0 |
100 |
| Veterans and their dependents |
Dependents |
30 |
0 |
70 |
| Other individuals |
Insured and dependents |
60 |
0 |
40 |
