Zora Health / Employer guide / Taiwan
Support employees through fertility treatment, and keep the talent you have invested in.
Fertility treatment rarely fits around a work calendar, and most employees go through it quietly, often while doing some of their best work. Zora Health helps you build practical fertility support, from policies and manager guidance to confidential care navigation and access to 128+ partner clinics in 16 countries, around your workforce and budget. Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with us.
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Five things Taiwan HR leaders should know
- Taiwan’s IVF Subsidy 3.0, in force since 1 November 2025, pays up to NT$150,000 for a first cycle if the wife is under 39. From 1 September 2026, the 2nd and 3rd cycles were raised to up to NT$150,000 for women under 40. At launch the ministry said the scheme covers about 77% of treatment costs on average.
- Only legally married couples with at least one Taiwanese spouse and a wife under 45 qualify, so single women, female couples and many foreign staff get nothing.
- A bill to open assisted reproduction to single women and married female couples stalled in a Legislative Yuan committee in July 2026, and we found no report of further progress as of November 2026. Elective egg freezing is legal but has no national subsidy.
- There is no statutory fertility treatment leave. The law provides 8 weeks’ maternity leave, 7 days’ paid prenatal checkup leave and 7 days’ paid paternity checkup and paternity leave.
- The state pays most of a standard cycle, so a fixed allowance aimed at the gaps (co-pays, extra cycles, egg freezing, excluded staff) keeps the budget predictable.
Why fertility is a business problem for employers
Fertility treatment does not fit around a work calendar. A clinic sets the date of a scan the day before. Egg collection happens when the body is ready, usually about 36 hours after a final trigger injection. Then comes a two-week wait, and for many couples, another cycle. Your team feels it: missed meetings, unexplained absences, a strong performer who suddenly goes quiet.
We found no Taiwan survey on employees hiding fertility treatment at work. In a 2025 Ferring survey of more than 3,600 people in Australia, France, Japan, Poland and the UK, 67% of those who had experienced fertility challenges said their workplace offered no support for employees in treatment, and 60% said they were not clearly entitled to time off for fertility appointments.
- Resignations. In the same Ferring survey, 39% of employees in treatment had left or considered leaving their job.
- Lower performance. The subsidy funds up to 6 cycles per child for women who start before 40, according to the Ministry of Health and Welfare. Each brings short-notice scans in the working week.
- Older patients. The average woman having assisted reproduction in Taiwan was 38 in 2022, up from 32 in 1998, according to Health Promotion Administration figures reported by the Taipei Times. Many are senior staff.
- Unequal access. Single women and female couples cannot legally use assisted reproduction, and couples with no Taiwanese spouse cannot claim the subsidy (MOHW).
What employers gain
Keep the people you spent the most to develop
Replacing an employee costs one-half to two times their annual salary, according to Gallup. In Taiwan, applicants in the first two months of IVF Subsidy 3.0 averaged 37.0 years old (MOHW), when many hold senior roles. A written policy, paid time off and a funded allowance can help address barriers that contribute to employee attrition.
Stand out in a tight labour market
In a 2023 Carrot Fertility survey of 5,000 people in Canada, India, Mexico, the UK and the US, 65% said they would change jobs to work for a company that offers fertility benefits, and 72% said they would stay longer with an employer that offers them.
Make fertility support financially predictable
A fertility benefit does not need to mean unlimited medical coverage. Employers can set annual or lifetime allowances, decide which treatments qualify, and provide guidance and education so employees understand their options before they spend.
Zora helps employers structure benefits around local treatment costs, Taiwan’s subsidy rules and workforce needs, pointing an allowance at what the state leaves out, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Taiwan workforce?
What IVF costs, and what the state pays
The Health Promotion Administration (HPA) runs a national IVF subsidy for married couples. Version 3.0 started on 1 November 2025, and the caps for the 2nd and 3rd cycles were raised again for applications from 1 September 2026. When 3.0 launched, the Ministry of Health and Welfare said it covered about 77% of treatment costs on average, and up to 84% for women under 39, compared with about 53% under the previous scheme.
| Wife’s age at first application | 1st cycle (max) | 2nd and 3rd cycles (max, applications from 1 September 2026) | 4th to 6th cycles (max) | Subsidised cycles per child |
|---|---|---|---|---|
| Under 39 | NT$150,000 | NT$150,000 | NT$60,000 | Up to 6 |
| 39 to under 40 | NT$130,000 | NT$150,000 | NT$60,000 | Up to 6 |
| 40 to under 45 | NT$130,000 | NT$130,000 | Not subsidised | Up to 3 |
| Low and lower-middle income households | Up to NT$150,000 per cycle, with no age or cycle-number limits | No limit stated | ||
Sources: MOHW, February 2026 (1st cycle amounts and cycle limits); MOHW, August 2026 (2nd and 3rd cycles raised from NT$100,000 to NT$150,000 for women under 40, and from NT$80,000 to NT$130,000 for women 40 to under 45); MOHW, September 2025; 1111, September 2025 (low-income households). Amounts are caps for a full cycle; the subsidy pays actual cost if lower. Cycles must start before the wife turns 45. For transfers from 1 April 2026, women under 38 may have only one embryo transferred (Taiwan News, citing the HPA).
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF cycle, married couple with a Taiwanese spouse | Subsidy 3.0, as above | The rest of the cost (about 23% on average), plus amounts above the caps and cycles beyond the limits |
| Frozen embryo transfer | Embryo-transfer-only cycles (for example, thawing and transferring a frozen embryo): up to NT$50,000 (1st), NT$40,000 (2nd and 3rd), NT$20,000 (4th to 6th, under 40 only). These amounts were not raised in September 2026 (Business Today summary of the HPA table, September 2026) | Any amount above the cap |
| Elective egg freezing | No national subsidy. Some local governments offer allowances: Taoyuan, for example, pays registered residents aged 25 to 40 up to NT$33,000 per lifetime, and widened eligibility on 1 July 2026 (Mirror Media, August 2026). Elsewhere, employees use their own savings | Most of the cost, plus annual storage |
| Egg freezing before cancer treatment | National pilot since 1 September 2025: up to NT$70,000 per egg retrieval, twice per lifetime, ages 18 to 40 with breast or blood cancer (Taipei Times) | Costs above the cap |
| Single women, female couples, couples with no Taiwanese spouse | None | The full cost |
Local allowances change yearly and differ by city, so check the relevant city health bureau. We found no national tax relief for fertility treatment.
Age is one of the strongest predictors of IVF success, alongside individual medical and treatment factors. HPA data for 2022, reported by the Taipei Times, put the success rate per transfer for women under 35 at 38.6% for fresh embryos and 56.3% for frozen embryos, falling to 13.5% and 27.7% for women over 40. The report does not say whether these are pregnancy or live birth rates. HPA live birth data for 2023, reported by CNA in May 2026, put the live birth rate at 36.9% when one embryo was transferred and 29.3% with two.
The HPA had 103 contracted assisted reproduction clinics, according to a February 2025 report (Taipei Times), and its caps change at 39 and again at 40, which is why the size of an allowance, and when employees can use it, matter as much as whether you offer one.
Give Employees Access to Fertility Specialists Across Asia
Help employees navigate fertility care with access to doctors and clinics, treatment information, and clear guidance on IVF, egg freezing and other fertility options. Employees can explore their options privately, without needing to go through HR.
Fertility clinics in Taiwan on the Zora app include Taipei Fertility Center, Nuwa Fertility Center Taipei and Huayu Fertility Center.
Fertility support that fits your workforce and budget
You do not need to overhaul your existing health insurance to support employees through fertility treatment. Start with awareness and manager education, add confidential one-to-one support, or introduce a funded allowance across your offices. There is no minimum company size.
Where included in the employer programme, eligible employees can use talks and care navigation without paying Zora a separate fee. Care navigation allowances are set in each proposal. Treatment and other third-party costs are paid separately, either by employees or through the fertility allowance their employer provides.
Companies starting the conversation
Essentials
Expert-led talks for employees and managers, fertility and menopause policy templates, manager guides and full access to the Zora app. Up to 2 talks a year.
Employees supported one to one
Navigation
Everything in Essentials, plus confidential one-to-one care navigation and access to our partner clinic network.
Large teams across Asia
Complete
Everything in Navigation, plus quarterly anonymised reporting, a dedicated account manager and scheduled review meetings with HR.
Optional add-ons can be added to any programme, subject to availability: hormone and fertility diagnostics and telehealth with specialists. Pricing is tailored to your headcount, your countries and the services you choose. Most companies start with a single talk.
Request a proposal See how Zora works for employers
Comparing fertility benefit providers? Use our RFP question bank
Most RFP templates were written for the US. Ours has 40 questions written for Asia, with why each one matters, what a good answer looks like and a scoring sheet for three providers. Six of the questions for Taiwan:
- Are local-plan employees covered, or only staff on international health plans?
- Do you require an infertility diagnosis before support starts?
- How does the allowance work alongside IVF Subsidy 3.0, and will you help employees claim the subsidy first so our money covers only what it leaves out?
- How do you support employees the subsidy excludes, such as foreign staff with no Taiwanese spouse, and single women who are not yet eligible for treatment in Taiwan?
- Which HPA-contracted clinics in Taipei, Hsinchu, Taichung and Kaohsiung are in your network, and can you book appointments in Mandarin and English?
- How is employee health data stored and shared under Taiwan’s Personal Data Protection Act, and what, if anything, does HR see?
Your download link appears here as soon as you submit. Zora Health may contact you about employee benefits; see our privacy policy.
Plan your fertility benefit budget
Fertility benefit budget planner
Model the annual claims budget for a fertility allowance. Change any number.
This is a claims budget, not a Zora quotation. Zora’s programme fees, implementation and optional services are separate.
Illustration only. Utilisation is an editable assumption, not observed Zora data. The calculation assumes each user claims their full annual allowance, and excludes programme fees and setup costs. For a tailored model, request an employer proposal.
Estimate the potential workforce impact of fertility challenges
A rough planning scenario. It applies a global infertility estimate to your headcount, so it is not a prediction for your workforce, a measured loss or a forecast of savings from any programme.
Range: NT$3,382,500 to NT$9,570,000 a year, depending on replacement cost.
Assumptions: infertility affects about 1 in 6 adults (World Health Organization, 2023), applied to employees aged 25 to 44. Replacing an employee costs one-half to two times their annual salary (Gallup, 2019); the headline uses the low end. Absence is valued at salary divided by 250 working days. Exit rate and days lost are your own assumptions.
This is a hypothetical cost scenario, not a prediction of actual employee departures, an estimate of Zora’s financial impact or a guaranteed saving from fertility benefits.
Already have corporate health insurance? Here is where Zora fits
Your medical plan may cover some consultations and tests, but fertility treatment is often limited or excluded, so check your policy wording. Employees still need to understand their options, the public funding they qualify for and which clinic suits them.
Zora works alongside your existing insurance and benefits. We help employees get reliable information, navigate their care options and reach suitable specialists, and we give HR manager guidance, policy templates and, on the Complete programme, anonymised reporting. You strengthen fertility support without replacing your medical plan.
How Zora works
For your employees
Employees join the Zora app with a company code, or single sign-on for larger teams. They can learn about fertility and egg freezing, understand what your benefit covers, book a confidential care navigation call and find partner clinics and specialists.
For HR
- Kick-off, week 1. Agree goals, countries and which employees are eligible.
- Policy and benefit design, weeks 2 to 4. Draft or update your fertility policy using our templates.
- Launch, typically weeks 4 to 6. A launch talk for employees and managers, plus a communications pack for HR to send.
- Live support. Employees book care navigation calls and use the Zora app.
- Reporting, every 3 months, on the Complete programme. Anonymised usage, common themes and our recommendations, reviewed with your account manager.
Privacy
Employee privacy is central to our programmes. On the Complete programme, routine employer reports contain aggregated engagement and utilisation information, with safeguards to prevent identification of individual employees. On every programme, personal health information is not included in standard HR reporting, and employees can get help without telling their manager. Where eligibility checks or claims administration need individual-level data, access is limited to authorised parties for defined purposes, as agreed in writing before launch. Employee data is handled in line with Singapore’s Personal Data Protection Act and Taiwan’s Personal Data Protection Act, which under Article 6 places medical records, medical treatment, genetic, sex life, health examination and criminal record data in a special category with stricter limits on collection and use.
Clinics and doctors in Taiwan
Zora’s directory lists 17 clinics and 22 doctors in Taiwan. Locations include Taipei, Taoyuan City and New Taipei City. Of these clinics, 14 list IVF and 13 list egg freezing.
Employees can browse clinics in Taiwan, see IVF clinics and find a doctor in Taiwan on the Zora app. The directory is for information only and is not an endorsement. See Zora’s employer guides for every country.
Rules and eligibility in Taiwan
Treatment is limited to married heterosexual couples
Under the current Act, only legally married different-sex couples with infertility or a medical reason can have assisted reproduction, and the wife must carry the pregnancy. Donation must be altruistic and through licensed institutions. Surrogacy is not permitted (ProIVF legal guide; Taiwan Insight).
Bill to include single women and married female couples
On 11 December 2025 the Executive Yuan approved a draft amendment extending access to unmarried women and married female same-sex couples, with surrogacy handled separately. On 16 July 2026 a joint Legislative Yuan committee voted 7 to 2 to use the Cabinet text as the base. Single women would need to be 18 or over, have household registration in Taiwan, have lived in Taiwan for at least 183 days a year in the five years before treatment, and use their own eggs and uterus. The committee adjourned at Article 13 without completing its first review, and the bill is to be reviewed again at a date not yet set. As of November 2026 we found no report of a further review (CNA; BigMedia). Surrogacy and the bill itself remain contested (PTS; Commercial Times).
Single women can freeze eggs but cannot yet use them
Unmarried women can freeze their eggs in Taiwan, but under current law the eggs can only be thawed and used for IVF within a legal marriage (Huayu fertility centre). The pending amendment would change this for eligible single women.
Leave: maternity, prenatal and paternity, no fertility leave
Women receive 8 weeks of maternity leave, at full pay after 6 months of service or half pay before that, and cannot be dismissed during it except in limited force majeure cases (Ministry of Labor). Employees receive 7 days of paid prenatal checkup leave, and partners 7 days of paid paternity checkup and paternity leave; employers can claim days 6 and 7 back from the Bureau of Labor Insurance (Ministry of Labor). Article 15, which sets this leave, was last amended in 2022 (law database). There is no statutory fertility treatment leave.
Pregnancy and marriage cannot be grounds for dismissal
Employers may not treat applicants or employees differently because of gender, or use marriage, pregnancy, childbirth or child-raising as grounds for termination (Ministry of Labor). A 2008 amendment extended the Act’s protection to lesbian, gay and transgender workers (Gender Equality in Taiwan, evolution of laws; amendment history). For births from 1 January 2026, insured female workers who are Taiwanese nationals or foreign spouses of nationals receive a labour insurance birth benefit topped up to NT$100,000 (Ministry of Labor).
What IVF costs
Before any subsidy, one IVF cycle costs about NT$150,000 to NT$170,000 at public hospitals and NT$200,000 to NT$280,000 at private clinics, covering consultation, drugs, tests and egg retrieval (PTS News, 2025). Against the HPA Subsidy 3.0 cap of NT$150,000 for a first cycle, a public hospital cycle may be largely covered, while a private clinic cycle can leave roughly NT$50,000 to NT$130,000 to pay.
Why employers choose Zora
Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with Zora Health. We work alongside your existing insurance, helping employees use the cover they already have and find suitable specialists based on their needs.
Trying to conceive with a heavy workload took a toll on my husband and me. It helped us understand our options.
Questions HR teams ask us
Is fertility leave mandatory in Taiwan?
No. Taiwanese law has no dedicated fertility treatment leave. It provides 8 weeks of maternity leave, 7 days of paid prenatal checkup leave and 7 days of paid paternity checkup and paternity leave. Employees in IVF usually rely on sick, personal or annual leave, so many employers add a few days of paid treatment leave to their policy.
Does the government pay for IVF in Taiwan?
Yes, for eligible married couples. IVF Subsidy 3.0 pays up to NT$150,000 for a first cycle if the wife is under 39 and up to NT$130,000 if she is 39 to 44. For applications from 1 September 2026, the 2nd and 3rd cycles pay up to NT$150,000 if she is under 40 and NT$130,000 if she is 40 to 44. At least one spouse must hold Taiwanese nationality and the wife must be under 45. When the scheme launched, the Ministry of Health and Welfare said it covered about 77% of treatment costs on average.
Can single women freeze their eggs in Taiwan?
Yes. Egg freezing is legal for unmarried women, but under current law the eggs can only be used for IVF within a legal marriage. A bill to allow eligible single women to use them stalled in a Legislative Yuan committee in July 2026, and we found no report of further progress as of November 2026. There is no national subsidy for elective egg freezing, although some cities, such as Taoyuan, offer allowances.
Does Zora replace our health insurance?
No. Zora works alongside your insurance. We help employees understand their options, find suitable specialists and use the cover they already have.
How much does a fertility benefit cost an employer?
It depends on the allowance, eligibility and expected uptake. Use the budget planner on this page for a first estimate, then ask us for a tailored proposal based on your headcount and countries.
How quickly can we launch?
Typically 4 to 6 weeks from contract to launch, depending on scope and countries. Most companies start with a single talk.
Related guides for Taiwan employers
Build a fertility benefit for your team
Whether you are introducing fertility benefits for the first time or improving an existing programme, tell us your headcount, countries and priorities. We will come back within two working days with suitable services, an indicative budget and a practical rollout plan for your Taiwan team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- Ministry of Health and Welfare, IVF Subsidy 3.0 from 1 November 2025, September 2025
- Ministry of Health and Welfare, IVF Subsidy 3.0 launch, amounts and results, November 2025
- Ministry of Health and Welfare, IVF Subsidy 3.0 first two months, February 2026
- Taipei Times, IVF subsidy births and contracted clinics, February 2025
- Taipei Times, assisted reproduction cases, births and success rates (2022 HPA data), January 2025
- Taipei Times, 2025 births and fertility projections, March 2026
- Taipei Times, medical fertility preservation subsidy, August 2025
- Central News Agency, Legislative Yuan committee review of Assisted Reproduction Act amendment, July 2026
- BigMedia, Assisted Reproduction Act amendment committee review, July 2026
- PTS News, Assisted Reproduction Act committee review, January 2026
- Commercial Times, Executive Yuan draft amendment and opposition, December 2025
- ProIVF, Taiwan surrogacy and assisted reproduction law, 2026
- Taiwan Insight, Beyond cisfertility: Assisted Reproduction Act reform, February 2026
- Huayu Fertility Centre, 2026 Assisted Reproduction Act reform and egg freezing rules
- Ministry of Labor, maternity leave FAQ
- Ministry of Labor, protections from pregnancy to raising children
- Ministry of Labor, prohibition of gender discrimination
- Ministry of Labor, Gender Equality in Employment Act amendment history
- Ministry of Labor, labour force participation rate by sex
- Ministry of Health and Welfare, 2nd and 3rd cycle IVF subsidy increase from 1 September 2026, August 2026
- Business Today, IVF subsidy table including embryo-transfer-only amounts, September 2026
- 1111 News, IVF Subsidy 3.0 amounts and low-income rules, September 2025
- Taiwan News, HPA embryo transfer limits and live birth data, May 2026
- Central News Agency, HPA 2023 live birth rates by number of embryos transferred, May 2026
- Taipei Times, total fertility rate 2024 and 2025 (Ministry of the Interior data), April 2026
- Mirror Media, Taoyuan egg freezing subsidy expansion, August 2026
- Gender Equality in Taiwan, evolution of laws
- DLA Piper, Data Protection Laws of the World: Taiwan (sensitive personal data)
- PTS News, IVF cycle costs at public hospitals and private clinics, October 2025
- Ferring Pharmaceuticals, Fertility Matters at Work and This Can Happen, workplace fertility survey, November 2025
- Carrot Fertility, Global Fertility at Work report press release, April 2023
- Gallup, This fixable problem costs US businesses $1 trillion, 2019
- World Health Organization, 1 in 6 people globally affected by infertility, April 2023
Information on this page is correct as of 5 November 2026. Laws, public funding, insurance rules and treatment costs change often, so check current rules with the relevant authority, insurer or a qualified adviser before making decisions. This page is general information, not legal, financial, tax or medical advice.