生育地圖What is Maternity Cash Benefit? How is it different from IVF/Egg Freezing Subsidies? How is the amount calculated?
Maternity Cash Benefit is different from the IVF subsidies and egg freezing subsidies covered elsewhere on this site: IVF subsidies and egg freezing subsidies are handled by the Health Promotion Administration, Ministry of Health and Welfare, and subsidize "treatment costs"; Maternity Cash Benefit is handled by the Bureau of Labor Insurance, Ministry of Labor, and is a one-time cash payment that can be claimed after **actual childbirth (including premature birth)** based on Labor Insurance or National Pension Insurance status, and is unrelated to whether assisted reproductive technology was used. Labor Insurance Maternity Benefit = average monthly insured salary for the 6 months prior to the month of delivery × 2 months (multiple births increase proportionally), with a monthly insured salary cap of NT$45,800, so the maximum for a single birth is approximately NT$91,600; National Pension Maternity Benefit = monthly insured amount (NT$21,103 from January 2026) × 2 months, so a single birth is NT$42,206. Starting January 1, 2026, the government will supplement the benefit to at least NT$100,000 per child (twins NT$200,000, triplets NT$300,000), with the difference for National Pension recipients automatically supplemented. The following is a neutral compilation; actual eligibility, amounts, and application methods are subject to the latest announcements from the Bureau of Labor Insurance. This is not insurance or legal advice.
FAQ
Is the Maternity Cash Benefit the same as the IVF subsidy and egg freezing subsidy?
No. IVF subsidies and egg freezing subsidies are handled by the Health Promotion Administration, Ministry of Health and Welfare, subsidizing 'treatment costs' and require receiving treatment at a cooperative or contracted ART institution. The Maternity Cash Benefit is handled by the Bureau of Labor Insurance, Ministry of Labor, and is a one-time cash payment that can be claimed by insured individuals under Labor Insurance or National Pension Insurance after 'actual childbirth'. The administering authorities, nature, and timing of claims are different; both can be claimed separately and do not affect each other.
What are the eligibility requirements for Maternity Cash Benefit?
Labor Insurance: Female insured persons must have a total of at least 280 days of Labor Insurance coverage before the month of delivery (inclusive); for premature birth (gestational age ≥20 weeks but <37 weeks), 181 days are required. National Pension: Must be a National Pension insured person at the time of delivery or within 1 year after withdrawal from insurance; no minimum coverage period required. The claim must be filed within 5 years after delivery.
How is the Labor Insurance Maternity Cash Benefit amount calculated?
It is based on the average monthly insured salary for the 6 months prior to the month of delivery, paid as a lump sum of 2 months; for twins, it increases proportionally to 4 months, for triplets 6 months, and so on. The monthly insured salary cap is NT$45,800, so the maximum amount for a single birth is about NT$91,600. The actual amount depends on the individual's monthly insured salary; the exact figure is subject to the Bureau of Labor Insurance's approval.
How is the National Pension Maternity Cash Benefit amount calculated? Are there changes in 2026?
National Pension Maternity Cash Benefit = monthly insured amount × 2 months; from January 1, 2026, the monthly insured amount is NT$21,103, so the single birth benefit is NT$42,206. At the same time, the government has increased the benefit from January 1, 2026, so that the maternity cash benefit plus the birth subsidy totals at least NT$100,000 per child (twins NT$200,000, triplets NT$300,000). If the original National Pension benefit is below this threshold, the government will automatically supplement the difference without the need for a separate application.
If I become pregnant and give birth through IVF or artificial insemination, will the Maternity Cash Benefit be different?
No. The Maternity Cash Benefit is based solely on whether the person is an insured person under Labor Insurance or National Pension Insurance, whether the coverage period requirements are met, and whether an actual childbirth occurred. It is unrelated to the method of conception (natural, artificial insemination, IVF, etc.). Those who become pregnant and give birth through assisted reproductive technology have the same eligibility and calculation method as for natural childbirth.
Will the Maternity Cash Benefit be higher for twins or triplets?
Yes. Both Labor Insurance and National Pension Maternity Cash Benefits increase proportionally with the number of babies: twins receive twice the number of benefit months as for a single birth (Labor Insurance: 4 months; National Pension: proportionally increased), triplets and above follow the same pattern. The supplement thresholds after the 2026 enhancement are also NT$200,000 for twins and NT$300,000 for triplets. For exact calculations, please refer to the Bureau of Labor Insurance's announcements or calculation tools.
Where to apply for Maternity Cash Benefit? What documents are needed?
Generally, applications are submitted through the insured unit (employer) or by the individual to the Bureau of Labor Insurance, Ministry of Labor, along with a birth certificate or relevant proof of childbirth. National Pension insured persons (e.g., homemakers, those without a fixed employer) apply directly to the Bureau of Labor Insurance. For exact required documents, application channels, and deadlines, please refer to the latest announcements from the Bureau of Labor Insurance or contact them directly. This page is only a neutral compilation of information, not insurance or legal advice.
Further References (Official Data Sources)
· This page is a neutral compilation of information, for reference only, not medical advice, and does not constitute any treatment commitment. Actual regulations and treatments should be based on announcements from competent authorities and explanations from qualified physicians.
