全民健康保險紓困基金申貸辦法

These regulations are made pursuant to Paragraph 3 of Article 99 of the National Health Insurance Act (hereinafter referred to as the “Act”).

A beneficiary under the National Health Insurance (hereinafter referred to 2 as the “NHI”) who meets the NHI financial hardship eligibility criteria may apply for an interest-free loan from the NHI Relief Fund (hereinafter referred to as the “Fund”).

The National Health Insurance Administration, Ministry of Health and Welfare (the “Insurer”) shall administer the loan operations of the Fund.

1The Fund provides loans for the following purposes:

21. Insurance premiums not paid by the payment deadline prescribed by the Act.

32. Any unpaid self-bearing expenses owed to a contracted medical care institution under Paragraph 1 of Article 50 of the Act (hereinafter referred to as the “Unpaid Self-Bearing Expenses”).

4A borrower whose loan repayment installments have not yet commenced or whose loan is overdue and unpaid is ineligible to apply for another loan.

1An applicant shall complete the NHI Relief Fund loan application form and submit the following documents to the Insurer when applying for a loan:

21. Documentary proof of financial hardship under the NHI system.

32. For loan applications covering any Unpaid Self-Bearing Expenses, payment notice(s) issued by the contracted medical care institution(s).

When filing a loan application, the applicant shall, in that same application, include the total amount of all outstanding insurance premiums owed to the Insurer in the total loan amount requested.

Loan amounts approved by the Insurer for an applicant shall be disbursed by the Fund directly to the Insurer to settle all outstanding amounts owed by the applicant.

1A borrower shall repay the loan in accordance with the following provisions: 3

21. Repayment start date: Repayment shall commence one year after the loan application date, on the repayment date specified in the loan application form.

32. Repayment amount:

4(1) Unless the borrower opts for early repayment, each repayment installment shall be no more than twice the borrower’s personal insurance premium at the time of the loan application, and no less than either the amount of such premium or an amount adjusted at discretion based on the borrower’s financial capacity.

5(2) Where, at the time of application, the borrower is a member of a low-income household as defined in Subparagraph 5 of Paragraph 1 of Article 10 of the Act, the monthly installment shall not exceed the monthly insurance premiums payable by a Category 6 beneficiary as per Subparagraph 6 of Paragraph 1 of Article 10 of the Act and shall not fall below the insurance premiums calculated based on 30% of the basic wage.

63. Method of repayment: Repayments shall be made at a designated collection institution according to the payment slip(s) issued by the Insurer.

7A borrower who wishes to repay the loan early may do so in a manner agreed upon with the Insurer.

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A borrower shall repay the loan in installments as agreed. If a borrower fails to make any installment payment when due, the entire loan shall be 4 deemed immediately due and payable. The Insurer may, pursuant to the relevant laws, demand repayment and charge interest calculated daily at the one-year term deposit interest rate of postal savings in effect at the time of demand. The total accrued interest shall not exceed 5% of the overdue unpaid amount.

Where a beneficiary experiencing financial hardship is a member of a middle-low-income household, the insurance premiums payable by such beneficiary should be subsidized in accordance with Paragraph 2 of Article 19 of the Public Assistance Act.

These Regulations shall come into force on January 1, 2013.