NDHU Student Group Insurance

Passed by the 3rd Student Affairs Committee Meeting in 2008.03.19

Revised in the 1st Student Affairs Committee Meeting in 2008.10.22

1. National Dong Hwa University (hereinafter referred to as the University) establishes these Regulations in accordance with Article 34 of the University Act to fulfill the function of social assistance and compensate for the economic loss of families due to students' illness or accidents. These Regulations govern the University's Student Group Insurance (hereinafter referred to as the Insurance).

2. Students with enrollment status at the University (including intern teachers and newly admitted students who hold provisional student ID cards) may pay premiums to participate in the Insurance.

Those who choose not to participate in the Insurance will not receive subsidies. 

3. The University handles the Insurance contract as the policyholder. The President or their representative acts on behalf of the University. The insured student’s guardian, parent, or legal heir is the beneficiary.

4. The Insurance covers injuries or illnesses that result in death, disability, or require hospitalization (but not regular outpatient care).

5. The insured amount for each student is determined by the terms of the insurance policy. If an insured student suffers accidental death during participation in University-organized teaching activities, official sports competitions, or other University-approved activities, the insured amount will generally be doubled. The policyholder is responsible for assisting the insured student in filing claims

6. Each insured student must pay an annual premium. The University subsidizes NT$100 per student per academic year (NT$50 per semester) from the University Fund, in accordance with Ministry of Education regulations. The remaining amount is divided into two payments and collected at the time of semester registration.

The following insured students may receive additional subsidies based on Ministry of Education regulations upon verification of relevant documents. Any unpaid premium amounts, unless waived by the insurance provider, must still be paid by the insured student:

1. Students exempt from tuition and fees (including students from low-income households, students with severe disabilities, and children of individuals with severe disabilities, excluding public-funded students).

2. Students of Indigenous status.

7.   Students enrolled in this insurance are covered as follows:  

The insurance validity period for the first semester is from August 1 to January 31 of the following year.  

The insurance validity period for the second semester is from February 1 to July 31.  

For students enrolled in this insurance (including new students of the academic year), if they pay the insurance fee after August 1 for the first semester or after February 1 for the second semester, the insurance will still be retroactively effective from August 1 or February 1, respectively. For students graduating before July 31, their insurance coverage will terminate on July 31.  

New students admitted early will have their insurance coverage retroactively effective from the 1st day of the month in which the insurance fee is paid.  

For students who have enrolled in this insurance but lose their student status midway:  

- If it occurs during the first semester, the insurance will terminate at 00:00 midnight on January 31.  

- If it occurs during the second semester, the insurance will terminate at 00:00 midnight on July 31.  

Students with active enrollment status who are on leave of absence and wish to participate in this insurance must continue to pay the insurance fees. The policyholder must notify the insurer with the names, student IDs, and other details of students on leave for documentation. If the student loses their enrollment status during the leave of absence, the policyholder is obligated to notify the insurer.  

8. At the time of registration for each semester, the university shall include an item labeled "insurance fee" in the receipt for fees collected on behalf of the students, combining it with tuition and miscellaneous fees. The insurance fees shall be consolidated and remitted to the insurer or its designated agency within 30 days after the payment deadline. The insurer will then issue a receipt for the insurance fees, which will be retained by the university for record-keeping.

9. Unstated matters follow the insurance policy terms approved by the Financial Supervisory Commission, Insurance Bureau and related laws. The final details depend on the signed contract.

10. These rules take effect after approval by the Student Affairs Committee and the President. Changes follow the same process.