Cathay Life Golden Shield Health

by Cathay Life Insurance

★★★★☆4.5(13,250 reviews)

Cathay Life Golden Shield Health is Taiwan's leading supplemental health insurance product, designed to work seamlessly alongside Taiwan's excellent NHI system by covering the gaps including private ward upgrades, co-payments, and critical illness lump sums.

Monthly Premium

TWD 1,500 – TWD 6,000

Deductible

TWD 3,000

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Taiwan's largest life insurer with unmatched financial stability
✓Excellent NHI top-up design covering co-payments and extra charges
✓Comprehensive critical illness rider available
✓Strong digital claims portal integrated with Taiwan's health system

Cons

✗International coverage very limited and not suitable for frequent travelers
✗Product complexity benefits from purchasing via a licensed agent

Editorial Review

“Cathay Life Golden Shield Health is the definitive NHI supplement for Taiwanese residents, trusted by millions to fill the gaps that Taiwan's otherwise excellent public health system doesn't cover.”

— Taiwan Insurance Review Quarterly, 2024

Key Highlights

✓Supplements Taiwan's universal National Health Insurance (NHI) for private room upgrades
✓Critical illness lump-sum benefit up to TWD 3,000,000
✓Indemnity for NHI co-payments and non-covered special materials