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境外學生服務

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  3. 學生保險 Student Insurance
 

學生商業醫療保險與理賠申請說明

在符合全民健康保險 (NHI) 加保資格之前，國際學生與僑生須依規定投保六個月的商業醫療保險。請依據您的身分別，確認對應的保險規範與理賠申請方式：

🛡️ 類別一：僑生傷病醫療保險 (僑保)

  • 適用對象：114、115 年度新入學，且尚未符合全民健保加保資格的僑生（僅能申請一次）。
  • 保險費用：每位僑生需自行負擔新台幣 600 元。
  • 申請手續：參加僑保之僑生在保險有效期間內（6 個月內），因傷病接受門診治療時，請先行自付門診費用，就診後備妥各項文件送交「國際事務處」提出理賠申請。（註：若申領現金者，須受益人親臨國泰人壽保險公司服務中心櫃檯辦理。）
⚠️ 理賠給付金額上限
  • 門診：相同症狀每日以一次為限，理賠上限為新臺幣 1,000 元（含掛號費）。
  • 門診醫療手術：經診斷書上書明「手術」字樣者，理賠上限為新臺幣 7,000 元。
  • 住院：以三等病床為限，同一次住院理賠上限為新臺幣 120,000 元。

📋 僑保理賠應備文件

  • 114 僑保理賠申請書須親筆簽名
  • 診斷證明書正本須向醫師申請，機構會收取 100-250 元不等費用
  • 醫療費用收據正本與副本各一份
  • 申請人存摺封面影本
  • 居留證影本正反面影本
  • 護照影本
  • 印花稅(票) 規定：若醫療機構收據無繳納或提供印花稅(票)，需自行至郵局櫃台購買印花稅票；收據金額每 250 元貼 1 元印花稅票，最多貼到 4 元。

🛡️ 類別二：一般學生保險理賠申請

看診後，請務必檢附下列文件至「國際事務處 (OIA)」，我們將協助您向保險公司辦理理賠：

  • 繳費收據正本
  • 診斷書正本
  • 保險申請書
  • 郵局或銀行存摺封面影本
  • 護照影本
  • 居留證 (ARC) 影本
⚠️ 門診給付注意事項
  • 給付相同症狀每日以一次為限。
  • 每日一次理賠上限為新台幣 1,000 元（不包括掛號費）。超過新臺幣 1,000 元者，仍以 1,000 元計算。

Student Medical Insurance & Compensation Claims

Before qualifying for the National Health Insurance (NHI), international and overseas Chinese students are required to hold a six-month commercial medical insurance. Please refer to the specific insurance rules and claim procedures based on your student status:

🛡️ Type 1: Medical Insurance for Overseas Chinese Students

  • Eligibility: New overseas Chinese students enrolled in the 114/115 (2025/2026) academic years who do not yet qualify for NHI. (Can only be applied for once).
  • Premium: NT$ 600 self-paid per student.
  • Application Procedure: During the 6-month validity period, please pay your outpatient medical expenses upfront. After your treatment, submit the required documents to the "Office of International Affairs" to claim compensation. (Note: To claim in cash, the beneficiary must visit the Cathay Life Insurance service center in person.)
⚠️ Compensation Limits
  • Outpatient: Limited to one visit per day for the same symptom. The maximum claim limit is NT$ 1,000 (INCLUDING the registration fee).
  • Outpatient Surgery: The word "Surgery" must be stated on the diagnosis certificate. The maximum claim limit is NT$ 7,000.
  • Inpatient (Hospitalization): Limited to a 3rd-class bed. The maximum claim limit per hospitalization is NT$ 120,000.

📋 Required Documents for Claim

  • 114 Compensation Application FormPersonal signature required
  • Original Certificate of DiagnosisIssued by the doctor. The institution will charge a fee ranging from NT$ 100-250
  • Medical Expense ReceiptsOriginal & Photocopy
  • Applicant's Passbook CoverPhotocopy
  • ARC CopyFront and back sides
  • Passport Copy
  • Stamp Duty Rules: If the medical receipt does not include or provide a stamp duty (ticket), you must purchase a stamp duty ticket at the post office counter yourself. Affix a NT$ 1 stamp for every NT$ 250 of the receipt amount (up to a maximum of NT$ 4).

🛡️ Type 2: General Student Insurance Claims

After your medical visit, please bring the following listed documents to the Office of International Affairs (OIA) so that we can help you submit them to the insurance company:

  • Original receipts of payment
  • Original certificate of diagnosis
  • Compensation Application Form
  • Post Office or Bank passbook coverPhotocopy
  • Passport copy
  • ARC copy
⚠️ Please Note (Outpatient Limits)
  • For the same symptoms, the insurance company covers only one visit per day.
  • The maximum coverage per visit is NT$ 1,000 (EXCLUDING the hospital or clinic registration fee). Expenses exceeding NT$ 1,000 will still be calculated as NT$ 1,000.

表單-【商業團體保險】保險申請表 Compensation Application Form

表單-【商業團體保險】保險申請表 Compensation Application Form

最後更新日期

2026-09-17
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