What are the disadvantages of Taiwan's health insurance (medical system)

Excessive growth in medical expenditures: In response to the problem of excessive growth in medical expenditures, the Health Insurance Administration (HIA) has introduced the health insurance lump sum payment system to control financial risks. Instead of paying the full amount of medical expenses of medical institutions, the Health Insurance Bureau will set a total amount of medical expenses beforehand, and after medical institutions apply for the total amount, if the total amount applied for is lower than the original total amount, then the full amount will be paid; if the total amount applied for is higher than the original total amount, then the amount will be paid at a discount according to the proportion. This measure has slowed down the bankruptcy crisis of the national health insurance, but the financial problems caused by non-economic factors remain unresolved.

Bad premium structure: The premium structure based on status and salary is a continuation of the government's earlier policy of taking care of laborers, farmers, and civil servants, which has resulted in low premiums for civil servants. This will make the industrial and commercial class, whose main income is salary, to bear a higher insurance cost, and create an unfair phenomenon that the salaried class will bear the burden of the health of the whole population.

The above two points are quoted from Wikipedia, the general public intuitively see, because it is cheaper to see a doctor, the people as long as the body out of a small condition will go to the doctor, then the doctor as long as there is a prescription for medication can be applied to the health care bureau of the health insurance subsidies, the reality is that the health insurance income has been unable to make ends meet.