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为什么年轻人也需要重大疾病保险？

🙋‍♀️大家好！我是JolysseWu，你的家庭财务医生。

今天来聊聊重大疾病保险的重要性，特别是对于年轻人来说。

为什么年轻人也需要重大疾病保险？

很多人觉得年轻时不会得重大疾病，但事实是，年轻人患癌症、心脏病和中风等重大疾病的几率正在上升📈。根据数据，新加坡约有四分之一的中风患者年龄在60岁以下🧠。每年还有450至550名年龄在16岁至39岁的年轻人患上癌症🎗️。

拥有住院保险就够了吗？

即使你已经有综合盾计划等住院保险🏥，但如果被诊断出心脏病或癌症等严重疾病，费用可能会超出住院保险的承保范围。这些费用包括康复期间的医疗和生活费用💸。CI保险可以提供一次性现金赔付，帮助支付治疗期间的多项费用，减轻你和家人的经济压力。

新加坡人寿保险保障的现状

调查显示，新加坡人的平均CI保障额度仅为60,000新元，远低于建议的316,000新元，相当于平均年薪的3.9倍🧐。

什么时候可以收到重大疾病保险赔付？

被诊断出承保范围内的重大疾病（如癌症、心脏病发作等），你将获得赔付💰。赔付可以用于支付非医疗费用，例如聘请护理人员的费用、生活费用等🏡。

为什么年轻时购买重大疾病保险最划算？

年轻健康时购买重大疾病保险保费更低🔖，而且一旦你被诊断出患有重大疾病，购买保险会变得更加困难🚫。

多次付款 vs. 一次性付款重大疾病保险

  1. 一次性支付CI计划：针对特定重大疾病提供一次性赔付，一旦赔付保单终止。
  2. 多次支付CI计划：为多种重大疾病诊断提供保障，即使首次赔付后仍可获得保障，覆盖相同或不同的重大疾病💡。

为什么选择多次付款CI计划？

新加坡人的平均预期寿命为84岁，但平均有10.6年处于疾病状态📊。有了多次付款CI计划，即使在首次CI诊断索赔后，你仍可获得保险保障，确保你在后续CI复发以及不同CI的情况下都有财务保障🔒。

小结

年轻时购买重大疾病保险不仅保费低，还能确保你在未来遇到疾病时有充足的保障。健康就是财富，提早做好准备才能安心生活💪！

希望这篇文章对你有帮助！有任何问题或想了解更多，欢迎留言或私信我📩！

下一步？

我是宇思，和你一起看世界。

微信：bigwusister / WhatsApp：90088276

新加坡全牌照理财顾问

Representing Financial Alliance Pte Ltd

Singapore Largest Independent Financial Adviser

#保险 #重大疾病保险 #健康保障 #新加坡 #财务规划 #年轻人理财 #早期准备 #养老规划 #IFA #独立理财顾问 #hospital #insurance

为什么年轻人也需要重大疾病保险？ — Engage

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 independent 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.

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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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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