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一文了解，Careshield Life 终生护保

1.什么是 CareShield Life（终生护保）？

CareShield Life 是一种长期护理保险，可在严重残疾的情况下为新加坡人提供长期护理费用的财务保障。CareShield Life 将为您提供更好的保护和保障，满足您的基本长期护理需求：

  1. 只要被保险人无法进行三项或三项以上的日常生活活动（ADL），就可以获得终生现金赔付；
  2. 每月赔付金额不断增加，2024 年为每月 649 新币，并逐年增加，直至年满 67 岁或索赔成功（以较早者为准）；
  3. 政府提供补贴，使人们能够负担得起医疗保险，即使人们付不起保费，也不会失去保障；
  4. 保费可全额由MediSave支付。

如果您是 1980 年或以后出生的新加坡公民或永久居民，您将在 2020 年 10 月 1 日或年满 30 岁时自动获得保障，即使您有任何既往疾病或出现严重残疾

2.为什么我们需要 CareShield Life？

每 2 名 65 岁的健康新加坡人中就有 1 人可能在其一生中患上严重残疾，并可能需要长期护理。严重残疾可能是由于突发致残事件（例如中风和脊髓损伤）、慢性病和疾病恶化（例如糖尿病）或随着年龄增长病情加重（例如痴呆症）而引起的。

提前规划未来的长期护理需求很重要，但由于长期护理的成本不确定，因此计算出要节省多少钱可能很困难。CareShield Life 等保险计划有助于将我们的风险集中起来，并确保免受潜在的灾难性长期护理成本的影响，让您高枕无忧。

3.CareShield Life 覆盖哪些人？

1980 年或以后出生的新加坡人：
  • 自 2020 年 10 月 1 日起，或您年满 30 岁（以较晚者为准）时，您将自动获得 CareShield Life 的保障。您将在 30 岁生日前约 2 个月收到一封信，您的个性化 CareShield Life 保费将在您 30 岁生日临近时提供。
1979 年或之前出生的新加坡人：
  • 参与是可选的。1
  • 如果您出生于 1970 年至 1979 年之间，受保 ElderShield 400，且未出现严重残疾，则您将从 2021 年 12 月 1 日起自动加入 CareShield Life。如果您想加入 CareShield Life，无需采取任何行动。如果您不想继续加入 CareShield Life，您可以在 2023 年 12 月 31 日之前选择退出。
  • 如果您没有自动注册并希望加入 CareShield Life，您可以使用 Singpass 访问应用程序以加入 CareShield Life 电子服务。

4.您什么时候有资格提出索赔？

如果卫生部认可的严重残疾评估员评估您无法完成六项日常生活活动 (ADL) 中的至少三项，您可以提出索赔。

5.如果您出现严重残疾，您可获得 CareShield Life 赔付多少？

6.什么是CareShield Life/ElderShield补充计划？

补充计划是对您的基本 CareShield Life 或 ElderShield 计划的补充，通过提供额外福利（例如更高的每月支付金额,从$1200/月到$5000/月等）来增强您的保障范围。
您需要是 ElderShield 或 CareShield Life 的现有保单持有人才能购买补充计划。

7.您如何支付补充保费？

对于新加坡公民或永久居民的被保险人，补充计划的保费可以用现金或使用被保险人自己或被保险人家庭成员（例如配偶、父母或子女、兄弟姐妹或孙子女）的 MediSave 支付，每位被保险人每年的可使用限额为600新元。

8.您如何知道您是否在补充计划的保障范围内？

您可以按照以下步骤检查您的 CareShield Life/ElderShield 补充计划：

  1. 访问CPF 网站。
    b. 使用您的 Singpass 登录。
    c. 将鼠标悬停在“我的 cpf ”上，然后单击“我的仪表板”下的“医疗保健”。
    d. 单击锚链接上的“长期护理保险”或向下滚动到“长期护理保险”部分。

如果您受补充计划的保障，此部分将显示您的补充计划的保险公司（即 Singlife、Great Eastern 或 Income Insurance）。

请联系您的保险公司，了解您受哪种补充计划的保障。

如果您没有任何补充计划，本部分将不会反映任何信息。

9.总结

终身护保是新加坡政府推出的国家级保险，十分重要。

但最基础的每月赔付还是太少，最好趁年轻健康时，升级到更高的保障。

究竟哪家保险公司的计划最适合你？想要了解各保险公司最新促销信息？

中立 | 专业 | 务实

联系独立理财规划师

吴仕伟 （Louis Wu）

微信：louiswutt   WhatsApp：83096182

参考资料：Ministry of Health

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.

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  • 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