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新加坡重疾险–子宫肌瘤可以申请重疾险吗？

最近有位客户，来询问重疾险，不过她说自己之前查出来有子宫肌瘤，但是比较小，医生只是让她定期复查，并没有任何手术。这样的情况可以买重疾险吗？

首先，让我们了解以下子宫肌瘤是什么？

子宫肌瘤(Uterine fibroids或是Uterine Fibroma或是leiomyomata)指的是子宫里的非癌性增生组织,又称为纤维肌瘤、子宫纤维瘤。由于子宫肌瘤主要是由子宫平滑肌细胞增生而成，其中有少量纤维结缔组织作为一种支持组织而存在，故称为子宫平滑肌瘤较为确切。简称子宫肌瘤。

女性常见疾病，约有20~30%女性有。

子宫肌瘤的症状主要表现为月经不调(经血量大且时间长)、小便频繁或不适、下腹胀或有下坠感、白带增多、盆腔痛、背痛、便秘、腰酸背痛、不孕、流产、流血过多而贫血等

子宫肌瘤的潜在风险：

子宫肌瘤是一种少见的子宫恶性肿瘤，占女性生殖道恶性肿瘤的1%-3%，恶性程度高，且有早期远处转移的倾向，预后差。目前，对于其发病机制的研究尚无统一说法，可能与月经初潮、年龄、是否生育、肥胖等因素有关。

子宫肉瘤主要分为子宫平滑肌肉瘤、恶性苗勒管混合瘤和子宫内膜间质肉瘤3种病理类型，其中最常见的是子宫平滑肌肉瘤。

子宫肉瘤与常见的子宫肌瘤症状相似。早期通常无明显症状，随着病情发展可出现不规则阴道流血、阴道排液、腹痛，部分患者因为子宫增大，可在腹部扪及包块以及出现排尿、排便的异常。由于症状无特殊性，容易被忽视。经阴道彩超、盆腔核磁共振等检查对诊断有一定的帮助，但最终确诊需靠手术标本的病理诊断。

买保险要趁早：

保险之所以能够以小博大(缴纳较少的保费,一旦有大病,保险公司支付大额赔偿), 是”一人有难，大家平摊”的团体机制，把大多数人的保费集中起来为少数人可能发生的风险支付保障金额，以货币形式平摊的社会风险转嫁机制，但加入这个团体是有条件的，必须身体健康，否则对其他人不公平，如果已经知道身体有健康问题，那发生赔付是较大概率事件，就没有资格进入这个保险团体，否则不能做到大以小博大。很多小疾病，医生认为没事的，保险公司却认为有事，保险公司到底要不要承担这个风险呢？这是个概率问题。

保单申请提交后，客户按照最高诚信原则如实告知了自己有乳腺疾病，除了系统提示需要填写的健康历史信息，保险公司可能需要进一步的信息做进一步评估。

在申请保险的时候，我们需要如实申报以下信息，以便获得保险公司的准确回复，而且未来的赔付也不会有纠纷！

1 提供信息：在什么年龄诊断到的？准确的症状如何？

2 肌瘤的尺寸

3 有无任何持续的症状

4 是否还存在还是已经切除了

5 良性还是恶性？

6 可能需要最新B超报告

不同情况的核保结论：

如果子宫肌瘤并无症状，尺寸较小，稳定状态，B超良好, 保险公司通常给出以下结果：

1 身故保障：标准条款，正常承保

2 全残保障：标准条款，正常承保

3 重疾保障：标准条款，正常承保

4 早期重疾：标准条款，正常承保

5 多次赔付重疾: 标准条款，正常承保

6 长期护理： 标准条款，正常承保

如果有如下状况：

子宫肌瘤情况模糊，不确定状况，或者等待做手术取掉肌瘤；或者肌瘤超过5厘米大小且有症状：

保险核保结果就是：延期或拒保.

案例分析

客户Mary,女,32岁,不吸烟:

声明有2个子宫肌瘤，每个有2厘米大小；

没有切除肌瘤，没有症状，无须治疗

30万新币终身寿险附加早期重疾和10万多次赔付重疾(含早期重疾).

如实告知健康情况，提交保单申请,

保险公司核保结论如下:

1 身故保障：标准条款，正常承保

2 全残保障：标准条款，正常承保

3 重疾保障：标准条款，正常承保

4 早期重疾：标准条款，正常承保

5 多次赔付重疾: 标准条款，正常承保

6 长期护理： 标准条款，正常承保

注：不同保险公司可能有不同的核保结论，IFA的好处是可以提交给不同的保险公司核保，还可以提前预核保。

以上分析仅供参考与分享，不作为投保依据，每个人的情况不一样，还是要具体问题具体分析。

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Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策