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How Premiums Are Calculated

General Premium
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:
  • Salary Basis: The amogunt on which premiums are calculated based on a payroll bracket table.
  • Insurance Premium Rate: 5.17% since January 1, 2021.
  • Contribution Ratio: Based on ratios set by National Health Insurance Act.
  • Number of Dependents: Maximum of three, even if actual number of dependents is higher.
  • Average Number of Dependents: Beginning January 1, 2020, the number of persons is announced as 0.58.
  • Beginning in January 2022, the average monthly premium for individuals in categories 4 and 5 will be NT$1,839. It is entirely subsidized by the government.
  • 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.

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

 

Note: Took effect on January 1,2022.

    • Update：2022-06-09
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Last Updated:
2022-09-30

  • Health insurance consultation line :

    Tel: +886-800-030-598

    Mobile: +886-2-4128-678

  • Taipei Divisions:+886-2-2191-2006
    5F., No. 15-1, Gongyuan Rd., Zhongzheng Dist., Taipei City 100008, Taiwan, R.O.C.
  • Northern Divisions:+886-3-433-9111
    No. 525, Sec. 3, Zhongshan E. Rd., Zhongli Dist., Taoyuan City 320216, Taiwan, R.O.C.
  • Central Divisions:+886-4-2258-3988
    No. 66, Shizheng N. 1st Rd., Xitun Dist., Taichung City 407666, Taiwan, R.O.C.
  • Southern Divisions:+886-6-224-5678
    No. 96, Gongyuan Rd., West Central Dist., Tainan City 700203, Taiwan, R.O.C.
  • Kaoping Divisions:+886-7-231-5151
    No. 259, Zhongzheng 4th Rd., Qianjin Dist., Kaohsiung City 801206, Taiwan, R.O.C.
  • Eastern Divisions:+886-3-833-2111
    No. 36, Xuanyuan Rd., Hualien City, Hualien County 970206, Taiwan, R.O.C.
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phone+886-2-2706-5866

Address：

addressNo.140, Sec.3, Hsinyi Road, Taipei 106211, Taiwan, R.O.C.

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