Insurance Coverage for Abortion in Taiwan: A Guide for Couples

Does health insurance cover induced abortion or medication?

Hello, I would like to ask how many times abortion is covered by health insurance? Or is it all out-of-pocket? (The reasons are as follows) 1.
My wife felt abdominal discomfort last week and went to see a gynecologist, where we found out she is one and a half months pregnant (we already have two children).
2.
The doctor suggested that if we want an abortion, there may be health insurance coverage, but my husband’s consent is required.
3.
Two days later, I accompanied my wife back to the gynecologist to consider a medical abortion, but the doctor, seeing that we had made a decision, suddenly mentioned a fee of 5,000 NTD out-of-pocket.
My wife and I looked at each other and asked the doctor if it was not covered by health insurance.
The doctor’s expression changed immediately, and he lost his smile, saying that if we wanted to proceed with the abortion, he would give us three days to think about it (p.s.
it seems we have no choice).
4.
This made us feel that the doctor lacks medical ethics and is only interested in making money.
(We are unsure if we can file a complaint against this hospital).
5.
Thank you, Dr.
Chen.
Can you help us (a helpless couple)? Thank you again, Dr.
Chen, for your trouble.

Huang Jinliang, 30~39 year old female. Ask Date: 2011/05/30

Dr. Chen Changfu reply Obstetrics and Gynecology

Voluntary abortion to terminate a pregnancy is not classified as a disease.
Currently, both oral abortion medications and surgical abortions are not covered by health insurance and are considered out-of-pocket expenses.
It seems there may have been a misunderstanding.
You can also inquire with the National Health Insurance Administration for clarification.

Reply Date: 2011/05/30

More Info

In Taiwan, the issue of abortion and its coverage under the National Health Insurance (NHI) system can be quite complex and often leads to confusion among couples considering this option. To clarify your concerns regarding the coverage for abortion, let's break down the key points.

1. Insurance Coverage for Abortion: In Taiwan, abortions can be covered by the National Health Insurance, but there are specific conditions that must be met. Generally, if the abortion is performed within the first 12 weeks of pregnancy, it may be eligible for coverage. However, the process often requires the consent of both partners, especially if the woman is married. This means that your signature as the husband may be necessary for the procedure to be covered by insurance.

2. Costs and Self-Payment: It is not uncommon for healthcare providers to charge additional fees for services related to abortion, even if the procedure is covered by insurance. The fee of NT$5,000 that you mentioned could be for additional services, medications, or consultations that are not fully covered by NHI. It is essential to clarify with the healthcare provider what specific services are included in the coverage and what might incur additional costs.

3. Consultation and Decision-Making: The experience you described, where the doctor seemed to change their demeanor after you expressed a desire to proceed with the abortion, can be distressing. It is crucial for healthcare providers to maintain professionalism and provide clear information about the options available. If you feel pressured or that your choices are limited, it is within your rights to seek a second opinion or consult another healthcare provider.

4. Ethics and Complaints: If you believe that the healthcare provider acted unethically or did not provide adequate care, you can file a complaint with the hospital's administration or the local health authority. It is essential to document your experience and any communications you had with the healthcare provider to support your case.

5. Next Steps: Given the emotional and physical implications of considering an abortion, it is vital to have open discussions with your partner about your options. If you are unsure about the process or the costs involved, consider reaching out to family planning clinics or organizations that specialize in reproductive health. They can provide you with comprehensive information about your rights, the procedures, and the financial aspects of abortion in Taiwan.

6. Support Resources: There are various resources available for couples facing unplanned pregnancies. These include counseling services, support groups, and reproductive health organizations that can offer guidance and support throughout the decision-making process.

In conclusion, navigating the healthcare system regarding abortion in Taiwan can be challenging, especially when it comes to understanding insurance coverage and associated costs. It is crucial to communicate openly with your healthcare provider, seek second opinions if necessary, and utilize available resources to make informed decisions. Your health and well-being, as well as that of your partner, should always be the priority.

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