How to get the most cost-effective labor and health insurance for the person in charge of the company
[How to insure the most cost-effective labor and health insurance for the person in charge of the company's line number]
1. "Health Insurance" for the person in charge
(1) It belongs to "compulsory additional insurance"
The person in charge must be insured in "the company/line number established by himself" or "other companies"
1. Example 1
The person in charge has a full-time job and a part-time job in another company (such as company A):
(1) Suggestion: take out the insurance in Company A, and do not need to add insurance to the company established by yourself.
(2) Reason: The health insurance fee only needs to bear 30% of the employee ratio, which is much more cost-effective than insuring in your own company ( please refer to the table below for the insurance level rules for 111-year insurance in your own company )
https://www.nhi.gov.tw/Content_List.aspx?n=0C85E6C24101F94D
|
Number of employees in the company (excluding the person in charge) |
lowest level |
Responsible person's monthly health insurance fee |
|
less than 5 people |
34,800 |
1,799 |
|
More than 5 people |
45,800 |
2,368 |
|
＊The health insurance of the person in charge cannot be lower than the insurance level of the employee |
||
2. Example 2
The person in charge has no full-time job in other companies, and has been guaranteed in the labor union, public office or listed as a dependent:
(1) Suggestion: Set up your own company's health insurance unit and transfer the person in charge.
(2) Reason: The person in charge of the company is not allowed to stay in the district office, association or dependent family members. Therefore, the Health Insurance Bureau will send an official document to the "company person in charge" to remind you that the health insurance fee will be traced back to the "own company" and you need to pay from the company. From the beginning to the recovery of the premium of the current month, and then to the original unit for a refund in the month of repeated premium payment, it is time-consuming and does not save health insurance premiums.
3. Example 3
Set up a company, company, and studio:
(1) Suggestion: Same as Example 1 and Example 2.
(2) Reason: The laws and regulations are the same as those of the company, so formally speaking, it is the most suitable for you to insure your own company. However, the difference is that the "company" health insurance bureau will take the initiative to audit, and the current "business number" has a low chance of being audited, so you can evaluate it yourself.
2. "Labor insurance" for the person in charge
(1) The labor insurance of the person in charge is not mandatory; however, if there is a demand for insurance, it is "most not recommended" that the person in charge take out the insurance in his own company!
＊In addition, if you are a farmer, fisherman or other special status, whether serving as the person in charge will affect your insurance qualifications, it is recommended to confirm with the relevant unit first!
1. Example 1
The person in charge buys insurance from the company he established:
(1) Suggestions: Suggestions to adopt other paradigms.
(2) due to:
A. You need to hire at least 1 employee before you can set up an insurance company
B. There are two benefits missing (insurance and retirement), and additional application can be made for retirement (up to 6%)
C. The insurance coverage of the person in charge must not be lower than that of the employee, and is also limited by the minimum insurance coverage
D. The burden ratio is: personal burden 20% + company burden 70% + government burden 10%
But because the company is self-owned, it means that the person in charge needs to bear 90%
2. Example 2
The person in charge has a full-time job and a part-time job in another company (Company A):
(1) Suggestion: take out the insurance in Company A, and do not need to add insurance to the company established by yourself.
(2) due to:
A. Enjoy 3 kinds of benefits (labor insurance, insurance, and retirement)
B. The premium burden ratio is 20%, which is more cost-effective than insuring with your own company.
3. Example 3
The person in charge has no full-time job in another company:
(1) Suggestion: If you apply for insurance in a trade union, you can check which trade union is the most suitable (the lowest level of insurance available) according to "industry category + county + city + trade union".
(2) due to:
Although it is the same as keeping in your own company, there are two benefits missing (insurance and retirement)
However, the premium burden ratio is 60%, which is still more cost-effective than insuring with your own company.
(2) How to choose whether to insure in a trade union, a company, or not to insure and pay the national annuity?
The main differences between the three are: "Premium" and "Protection"
1. There is a need to accumulate labor insurance seniority
If you have worked for a period of time before and accumulated many years of labor insurance seniority, you can choose to leave the labor union or the company.
2. No requirement for accumulated labor insurance years
If you have never worked before and have no intention of accumulating labor insurance years, and you want to save money, you don’t need to take out insurance. There will be a national annuity, which is the most economical option with less protection. (Please refer to: https://www.bli.gov.tw/0000031.html for the contents of the National Pension Security of the Ministry of Labor)
3. Conclusion
(1) The most economical insurance premium: other companies > trade unions > own company
(2) The most complete guarantee: other companies > labor union = own company
(3) Will the company I work for discover my identity as the person in charge?
Basically, the company you work for (other companies) will not find out the identity of your person in charge because of the relationship of "labor health insurance". It is possible to find out only through "active inquiry" on the commercial and industrial registration website of the Ministry of Economic Affairs.
Anyone can actively inquire about the information of the person in charge through the Ministry of Economic Affairs’ commercial and industrial registration public information query service (https://findbiz.nat.gov.tw/fts/query/QueryBar/queryInit.do); however, this public information can only be searched If the "name" is the person in charge of "a company", if your name is not special, and the place of domicile of the person in charge is different from the registered address of the company, there is no other way to confirm that the person in charge is you or has the same name and surname as you people.
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