Insure Any Employees: 5 FAQs About Occupational Accident Insurance Enrollment!
To comprehensively protect the safety of employees in their work and lives, the Labor Occupational Accident Insurance and Protection Act stipulates that all workers aged 15 or above who are employed by units with registered cases (possessing a business license, having completed legal registration, and having tax registration) or by employers who have been legally granted work permits by the central competent authority are subject to mandatory coverage of occupational accident insurance (hereinafter referred to as “occupational accident insurance”). As of the end of August 2025, there were approximately 858,000 insured units and approximately 11,241,000 insured individuals for accident insurance.
To help employers and workers quickly understand the relevant regulations for occupational accident insurance enrollment the Ministry of Labor (MOL) has prepared 5 Frequently Asked Questions About Occupational Accident Insurance Enrollment. Let’s take a look.
Question #1 “Is it true that companies with fewer than five employees are exempt from enrolling their employees in occupational accident insurance?”
If they employ even one worker, business entities with registered cases should register for occupational accident insurance on the day the employee starts work.
Question #2 “If a worker has already received labor insurance old-age benefits or is over 65 years old, should they be enrolled in occupational accident insurance?”
Regardless of whether the worker is receiving labor insurance old-age benefits or is over 65 years old, the employer should apply for occupational accident insurance enrollment of the worker on the day the worker starts work.
Question #3 “Do applications need to be submitted for occupational accident insurance enrollment of workers even they are still in the probationary period?”
Employers are required to apply for occupational accident insurance enrollment for their employees on the day they start work. There is no provision that exempts them from insurance enrollment during the probationary period.
Question #4 “What are the penalties for employers who fail to enroll their employees in occupational accident insurance?”
The employer will be fined between NT$20,000 and NT$100,000, and the violation matters will be made public.
Question #5 “Will an employer’s failure to provide enroll workers in occupational accident insurance affect their right to claim benefits?”
For workers employed by employers with registered cases, the occupational accident insurance is effective from the date of employment. If the employer fails to conduct insurance enrollment, the worker may still claim insurance benefits in the event of an occupational accident. However, after the BLI issues the benefits, it will require the employer to pay the amount before a specified deadline within the scope of the benefits.
The MOL specifically reminds employers that they should, in accordance with regulations, enroll employees in occupational accident insurance on the day they start work, in order to protect workers’ rights and avoid penalties. Finally, workers are reminded that they can log into the BLI’s e-Service System through mobile phone authentication, or use their Chunghwa Post ATM card or Labor Protection Card to check their personal insurance information via the issuing bank’s ATM or over the counter of BLI local offices, so that they can stay up to date on insurance information and protect their own rights and interests.