Taiwan FSC Advances All-Ages Finance as Two Insurers Launch Early-Stage Dementia Coverage

Taiwan became a super-aged society in 2025. Dementia often requires prolonged care and imposes a heavy financial burden on families, while traditional insurance policies typically require moderate-to-severe disability or a definitive diagnosis before paying benefits. FSC Chairman Thomas Kung-ming Peng has therefore proposed an “all-ages finance” policy, calling for insurance services to include older people, young people and disadvantaged groups and for the industry to reassess its coverage and claims models.

As of the latest report, two insurers had introduced policies that begin paying benefits for mild dementia. The FSC also instructed the Life Insurance Association of the Republic of China to improve dementia claims handling and promote a broader range of services, including in-kind benefits. The available information did not identify the insurers or disclose premiums and benefit amounts, and no uniform implementation date was announced.