Taiwan NHI Premium 2027 Calculator (全民健康保險)

Taiwan's National Health Insurance (健保) covers nearly all residents. The 2027 standard premium rate is 5.17% of insured salary. Employee pays 30%, employer 60%, government 10%. There's also a Second-Generation supplemental premium 2.11% on irregular income (year-end bonus exceeding 4 months salary, rental, dividend, etc.).

Capped at 3, applies employee share
Total Monthly NHI Premium
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5.17% of insured salary
Insured Salary
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Employee 30%
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Employer 60%
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Government 10%
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Employee + Deps
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Annual Employee Cost
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Taiwan NHI 2027 Rates and Split

National Health Insurance covers ~99% of Taiwan residents. Standard premium rate 5.17% of insured salary applies as follows: employee 30%, employer 60%, central government 10%. Dependents (up to 3 per insured) increase employee premium by their proportional share. Premium ceiling at NT$219,500/month (high earners cap). Source: National Health Insurance Administration (nhi.gov.tw).

Second-Generation Supplemental Premium 2.11%

Since 2013, a 2.11% supplemental premium applies to income beyond regular salary: bonus exceeding 4 months of insured salary, professional fees, interest, dividends, rental income, and part-time earnings. Withheld at source by the payer. Applies to single-transaction income above NT$20,000 (NT$2,000 minimum withholding). Foreign nationals working in Taiwan are subject identically.

What NHI Covers — Outpatient and Inpatient

Comprehensive coverage: outpatient visits (NT$50-450 copay), prescription drugs (NT$0-200 copay), inpatient (10% copay for surgery, 30% for chronic), dental, Chinese medicine, prenatal care, screening (Pap smear, mammography, colonoscopy). Catastrophic illness card waives copays for 30+ conditions. Average annual per-capita spending: NT$25,000.

NHI vs Labor Insurance — Both Mandatory

Labor Insurance covers maternity, disability, occupational injury, death, old-age pension — but not routine medical. NHI covers all medical costs. Both are mandatory for employees. Self-employed pay both directly through their occupational union. The two systems consolidate at the Bureau of Labor Insurance (bli.gov.tw).