In Taiwan, the relationship between a delivery worker and a delivery platform is usually a contractual relationship, not a traditional employment relationship. Therefore, delivery workers need to take care of their own labor insurance (labor insurance) and universal health insurance (health insurance), and most delivery platforms only provide group insurance, so it is best to take out your own auto insurance. Below are the main ways for delivery workers to insure themselves:
1. join a trade union for insurance
If a delivery worker does not have a regular employer, he/she may choose to join a trade union in order to participate in labor insurance and health insurance through the union.
Join the process:
- Choosing the right trade unionFor example, the Taichung City Delivery Personnel Professional Union is a union that specializes in serving delivery personnel.
- Preparation of required documents: Usually includes ID, photo, seal, etc.
- Payment of relevant fees: Admission fees, recurring membership fees, and labor and health insurance premiums.
Cost Estimate:
- Labor Insurance Fee: Calculated according to the insured salary level. For example, if the minimum insured salary is $28,590 in 2024, the labor insurance premium is about $1,777.
- Health Insurance Fee(b) The amount of the insured payroll is about $819.
Actual fees may vary depending on the union's rules, so it is recommended that you ask the union you wish to join directly for more information.
2. Self-insured motorcycle insurance (It's only effective if you use it professionally.)
Effective May 1, 2022, the Workers' Occupational Disaster Insurance and Protection Act goes into effect, allowing workers without regular employers, such as delivery workers, to enroll in separate occupational disaster insurance.
Application:
- superstore plus insurance: Go to the ibon machine at Unified Supermarkets, select "Special Insurance Application Zone" to make an application and complete the payment within 30 minutes.
- InternetEnhancement: Apply through the "Special Enhancement Enrollment Zone" on the official website of the LAB and complete the payment online.
- Enhancement of insurance coverage through professional unions: Select any of the trade unions to assist with the Special Enhancement Program.
- Go directly to your insurance company to add coverage:Currently available options areCathay Pacific,Fubon (name),Tai'an city prefecture level city in Shandong,San On Ting,Shin Kong
Insurance effectiveness:
- Coverage is effective from the actual time that premium payments are made until the designated end date of coverage.
Fees:
- 7-11 insurance is about $600 a month for a year, about $5,000-$7,200 a year, and will increase if there is a car accident.
- Insurance Links
3. Handling of health insurance
- Already have full-time workers: If the delivery is a part-time job and health insurance is provided by the regular job, no additional processing is required.
- Unemployed workers: You can enroll in health insurance by joining a trade union or applying to the district office of your domicile to enroll in health insurance as a Type 6 insured person.
Attention:
- Labor Insurance and National Pension: Those who have not participated in labor insurance should participate in the national pension to ensure retirement protection.
- Motorcycle Insurance Coverage: Delivery work is more risky and it is recommended to insure it for one month first, as the accident rate is the highest in the initial period when you are new to the job.
- Commercial and non-commercial.The business one is more than 600 dollars a month, but the non-business one is only 100~200 dollars a month, and the insurance company will not pay out if the insurance is wrong.
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