{"id":87679,"date":"2026-01-16T09:11:03","date_gmt":"2026-01-16T01:11:03","guid":{"rendered":"https:\/\/premiatnc.com\/tw\/?p=87679"},"modified":"2026-01-16T09:11:06","modified_gmt":"2026-01-16T01:11:06","slug":"labor-insurance-for-taiwan-foreigners","status":"publish","type":"post","link":"https:\/\/premiatnc.com\/tw\/blog\/labor-insurance-for-taiwan-foreigners\/","title":{"rendered":"Labor Insurance for Taiwan Foreigners: A Practical Guide for Employees and Employers\u00a0"},"content":{"rendered":"\n
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Regardless of the business size, employers are\u00a0required\u00a0within the\u00a0jurisdiction\u00a0of the Taiwan employment Act to enroll all recruited employees, including interns and business assistants, in labor insurance on the first day of employment. This is also applicable to\u00a0non-residents\u00a0and foreign workers. Labor insurance for Taiwan foreigners is expected for all foreign workers employed in Taiwan<\/a>.\u00a0<\/p>\n\n\n\n

As a company planning to employ workers in Taiwan, it is important to consider the insurance policy applicable to your local and foreign workers. If you want to find out more about Taiwan labor insurance policy for foreigners<\/a>, you are at the right place. This article has been put together to enlighten you on what you need to know about Taiwan labor insurance and give insights on the required documentation necessary for enrolling in labor insurance.<\/p>\n\n\n\n

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Labor Insurance\u00a0for\u00a0Taiwan Foreigners:\u00a0An Introduction\u00a0<\/h2>\n\n\n\n

Workers’ insurance<\/a> offers financial aid and\/or medical attention to employees who are hurt at work or get ill as a direct result of their work. The employer pays for this insurance while the employee is not expected to contribute any amount. In the case of an accident, it will be decided whether the insurer will pay for medical expenses and\/or monetary benefits and the amounts that must be paid. In such case, the employee can claim a calculated benefit or compensation. However, employees will forfeit their entitlement from the insurance if they sustain an accident that is entirely unrelated to the job they do. For example an accident caused by drug or alcohol intoxication or intention to self-harm will not be regarded as work accident. <\/p>\n\n\n\n

Labor Insurance for Taiwan Foreigners: The Contribution Structure\u00a0<\/h2>\n\n\n\n

In Taiwan, labor insurance premiums for foreign employees are calculated based on the insured salary. This amount reflects the employee\u2019s actual monthly wage, considering it stays within the salary range set. The insured salary plays affect both the monthly contribution amount and the benefits a foreign employee may receive in the future. If declared incorrectly, future claims could be affected, which is why accuracy matters right from the start.  <\/p>\n\n\n\n

Labor insurance for Taiwan foreigners is funded jointly by three parties: the employer, the employee, and the government. Employers shoulder the largest share of the premium, while foreign employees contribute to a smaller portion that is usually deducted directly from their monthly pay. This deduction should be clearly itemized on the payslip so employees know exactly what they are paying for. The government covers the remaining portion, helping to reduce the financial burden on both employers and workers. <\/p>\n\n\n\n

While labor insurance contributions slightly lower take-home pay, they offer important long-term protection for Taiwan foreigners. Proper contributions allow access to benefits such as compensation for workplace injuries, disability assistance, and old-age benefits. If salaries or premiums are underreported, benefit payouts may be reduced, which is why consistent and accurate reporting throughout the employment period is essential. <\/p>\n\n\n\n

Labor Insurance for Taiwan Foreigners: Voluntary Enrollment Aspect\u00a0<\/h2>\n\n\n\n

Although most foreign employees in Taiwan are required to join labor insurance, certain roles or employment arrangements may fall outside mandatory coverage. In these situations, Taiwan\u2019s labor insurance system may still permit voluntary enrollment even when it is not legally required. <\/p>\n\n\n\n

Once a Taiwan foreigner is approved for voluntary enrollment, the scope of coverage is generally the same as for mandatory members. Contribution rates follow a similar structure, and the individual can access labor insurance benefits as long as payments for premiums are on time. <\/p>\n\n\n\n

That said, voluntary enrollment must be handled properly. Applications need to be submitted correctly and within the prescribed timeframe to ensure coverage takes effect. If procedures are missed or delayed, coverage may be postponed or rejected, which could affect future benefit claims. Knowing the rules helps Taiwan foreigners avoid unnecessary gaps in protection. <\/p>\n\n\n\n

Labor Insurance\u00a0for\u00a0Taiwan Foreigners:\u00a0Qualification Criteria for Employees\u00a0<\/h2>\n\n\n\n

All employees hired under a service agreement or an apprenticeship is obliged by law to labor insurance. No matter their tax status or whether you typically refer to them as an employee or a self-employed person. However, it may sometimes depend on the conditions of your employment agreement with them. You may or may not need employers’ liability insurance.  <\/p>\n\n\n\n

You may require employers’ liability insurance<\/a> if someone works for you and you have the authority to manage their work environment, including where they work, when they work, and how they work. Also, it will be considered if you provide them with the necessary tools and materials. Depending on the above mentioned factors, a company may not require employers’ liability insurance for employees if the structure of contract does not correlate with any of the mentioned factors. <\/p>\n\n\n\n

Labor Insurance\u00a0for\u00a0Taiwan Foreigners:\u00a0Labor Insurance Liability\u00a0<\/h2>\n\n\n\n

Foreign employees are qualified for labor insurance under the Labor Insurance Act as insured people and are eligible to apply for labor insurance benefits<\/a>. Five distinct types of benefits, including maternity benefits, accident or illness benefits, disability benefits, old-age benefits, and survivors’ benefits, are included in the regular insurance scheme. The four types of benefits covered by occupational accident insurance are illness and injury benefits, disability benefits, survivors’ benefits, and medical benefits. All these will be available to foreigners working in Taiwan. <\/p>\n\n\n\n

The employer of a foreigner must manage the labor insurance enrollment with the appropriate body as long as the foreigner holds the required document and is granted permission to work in Taiwan<\/a>. A letter of approval for a work permit and a dwelling permit will be required. This also applies to some foreign experts who possess gold employment cards. <\/p>\n\n\n\n

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Labor Insurance\u00a0for\u00a0Taiwan Foreigners: Required Documentation\u00a0<\/h2>\n\n\n\n

Employees with Taiwanese citizenship and foreign workers who comply with Taiwanese legislation are covered by labor insurance. Employees who are Taiwanese nationals and their spouses of foreign nationality or spouses from mainland China and Hong Kong, are eligible receivers of the employment insurance. After hiring one employee, a company must have obligatory employment insurance. <\/p>\n\n\n\n


Where applicable, the following documents are required for foreigner\u2019s labor insurance in Taiwan:<\/strong><\/p>\n\n\n\n