How should I handle health insurance after graduation? (畢業後健保要如何處理?)
• 如果您是在學校辦理健保,學校只投保到畢業當月。因此,畢業後的下個月起,是沒有健保的。
If you were insured through your school, the coverage only lasts until the month of your graduation. Starting from the following month, you will no longer have health insurance.
• 同學到健保署或居住地附近的區公所自行加保,保費每個月是826元。
You must enroll in health insurance at the National Health Insurance Administration (NHIA) or your local district office. The monthly premium is NT$826.
• 如果沒有去辦理的話,在你找到工作,公司開始投保後, 健保署就會發現之前有欠費,也會發出追繳單,所以還是需要補繳。
If you do not enroll, once you find a job and your employer starts your insurance, the National Health Insurance Administration (NHIA) will detect any unpaid premiums and issue a payment notice. You will still need to pay the missing amount.
• 如果在沒有繳健保費的空窗期去看醫生,是需要先全額付款, 等之後繳清健保費後,再拿醫院收據回去原本的醫院/診所申請退費。
If you visit a doctor while uninsured, you must pay the full medical fee upfront. After settling your National Health Insurance Administration (NHIA) payments, you can return to the hospital/clinic with your receipt to apply for a refund.
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