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Insurance Benefits

Farmers are entitled to social insurance coverage such as the Farmer Health Insurance Program and Farmer Occupational Accident Insurance Program. The allowances offered include: Maternity benefits for the insured and his/her spouse, Injury benefits, Medical care allowances, Disability benefits and Funeral grants.

(1)Maternity Benefits
In case an insured person or the spouse of an insured person has childbirth occurring more than 280 days or has premature labor occurring more than 181 days after the insured person joins in the program, the insured person is entitled to claim a lump sum of maternity benefits equivalent to two months of his/her current monthly insurance amount. In case miscarriage occurs more than 84 days after the insured person participate in the program, the insured person is entitled to claim maternity benefits equivalent to one month of his/her current monthly insurance amount. In case of a plural or multiple birth, the maternity benefits that can be claimed are increased in proportion to the number of newborn infants.

(2)Injury benefits, Medical Care Allowances
If, during the period of his/her voluntary participation in Farmer Occupational Accident Insurance, the insured becomes incapable of working due to injuries incurred when practically engaged in farming and consequently suffers from the loss or reduction of income, the insured shall be entitled to injury benefits and medical care allowances from the fourth day after being incapacitated for work, if he/she is receiving medical care at that time.
A. There are two types of “Injury Benefits” - “Regular Injury Benefits” and “Additional Injury Benefits”. The benefits are granted based on the following standards:
(a)“Regular Injury Benefits”: Regular injury benefits shall be payable on a daily basis at the rate of 70% of the insured amount for the current month when the insured person met with the insured accident. If the injured person has not recovered from the injury after one full year, the injury benefits are reduced to 50% of the insured amount for the current month when the insured person met with the insured accident, for another maximum period of one year.
(b)“Additional Injury Benefits” Additional injury benefits shall be payable on a daily basis at the rate of 70% of the doubled monthly insured amount for the current month when the insured person met with the insured accident. If the injured person has not recovered from the injury after one full year, the injury benefits are reduced to 50% of the doubled monthly insured amount for the current month when the insured person met with the insured accident, for another maximum period of one year.
B. The applicability of “Regular Injury Benefits” and “Additional Injury Benefits”: The benefit type shall be determined based on whether the insured person has paid extra premium for the “Additional Injury Benefits” at the time “when the insured accident occurs”.
C. “Medical Care Allowances”: The amount of the medical care allowances shall remain the same, regardless whether the insured person is covered by the “Regular Injury Benefits” or the “Additional Injury Benefits”. The allowance amount shall be NT$50 per day for outpatient medical care and NT$900 per day for hospitalization medical care. On receiving the claim from the insured person for the “Injury Benefits”, the BLI will proactively examined the payment of Medical Care Allowances based on the approved number of days for the “Injury Benefits”. It is not necessary to file a separate application.
D. The total benefit payable = “Injury Benefits” + “Medical Care Allowances”

(3)Disability Benefits
In case an insured person suffers from any residual physical handle in the wake of medical treatment of injury or sickness, and such disability conforms to the Table to Assess the Degree of Disability and Benefits Payment of Farmer's Health Insurance, the insured person is entitled to claimed disability allowances equivalent from 30 to l,200 days of daily insured amount, depending on the degree of disability. If the insured is mentally or physically disabled due to injuries, he/she shall be entitled to an additional 50% of the allowances prescribed in relevant regulations. The allowances amount shall equal 45 to 1,800 times of the daily insured amount.

(4)Funeral Grant
In the event of the death of the insured person, funeral grant equivalent to 15 months of the monthly insured amount is payable to the person who pays for the funeral costs. If the insured is deceased due to injuries, allowances amounting to 30 times the monthly insured amount shall be paid.
Last Update:2021-07-15
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