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新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？

今天和大家分享在新加坡如何选择适合自己的住院险，希望对大家有帮助。🤗

新加坡热门住院险公司推荐

新加坡的保险市场竞争激烈，各大保险公司都提供不同类型的住院险产品。以下是几家口碑较好的保险公司和他们的住院险产品：

1. NTUC Income
– IncomeShield：提供广泛的覆盖范围，包括住院和手术费用。根据不同计划，保障额度和保费也有所不同。

2. Great Eastern
– Great SupremeHealth：提供全面的住院和手术保障，可选择附加保险提升覆盖范围。

3. AIA
– AIA HealthShield Gold Max：提供多种计划选择，覆盖住院和手术费用，以及额外的门诊和产科费用。

4. Prudential
– PruShield：多种计划选择，覆盖住院和手术费用，以及重大疾病和特殊治疗费用。

5. HSBC
– HSBC Shield：提供全面的住院和手术保障，可选择附加保险提高覆盖范围。

如何选择适合自己的住院险？

选择住院险时，需要根据个人和家庭的需求进行综合考虑。以下是一些建议：

1. 了解自身需求
– 考虑自己的健康状况、家庭病史和生活习惯。是否需要覆盖特定疾病或治疗？保险公司通常不覆盖先天性疾病的治疗费用，或者需要满足等待期后才能覆盖保障。这是因为这些疾病是在保单生效之前就存在的。

2. 预算考虑
– 根据自己的经济状况，选择保费适中的保险产品。不要为了高额保障而影响生活质量。根据新加坡MOH公布的数据，保障私立医院计划，保费最便宜的保险公司是raffles、HSBC和INCOME。

新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？ — Engage

对于计划中的治疗，综合保单（Integrated Shield Plan，简称IP）保险公司可能会提供预授权服务。这意味着，保单持有人可以在进行治疗之前，提前了解保险公司将覆盖的费用金额，从而能够做出更明智的医疗决策，并且享有更大的安心感。

新加坡有多家保险公司提供综合保单和预授权服务：

新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？ — Engage

3. 保障范围
– 确认保险产品的覆盖范围，包括住院费用、手术费用、门诊费用等。确保选择的保险能覆盖你最关心的医疗费用。并非所有的综合保单（IP）索赔都会获得赔付。以下内容将帮助您了解一些常见的排除情况以及如何避免这些问题。🤗

新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？ — Engage

4. 理赔流程
– 了解保险公司的理赔流程是否便捷，理赔速度是否快速。好的理赔服务可以减轻住院期间的经济压力。根据2024年MOH的官网显示，每个保险公司处理有正向赔付的综合保单（IP）理赔所需的时间（请注意，下列时长不适用于附加险理赔哦）

大多数保险公司都能够在1天内开始处理保险的理赔，但也有公司需要4-6天。

新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？ — Engage

  • 中位数理赔处理时间：表示在表中指示的天数内，50%的理赔被保险公司处理完毕。
  • 75百分位理赔处理时间：表示在表中指示的天数内，75%的理赔被保险公司处理完毕。

5. 附加保障
– 考虑是否需要购买附加保险，如重大疾病保险、住院现金补贴等，以获得更全面的保障。

6. 保险公司口碑
– 选择口碑好的保险公司，确保他们在理赔服务和客户服务方面表现出色。

行动建议

1. 咨询专业理财顾问
– 专业的理财顾问可以根据你的具体情况，推荐最适合你的保险产品。我们了解市场上各大保险公司的产品特点和优缺点，可以为你提供中肯的建议。

2. 多方比较
– 不同保险公司的产品各有特色，多方比较才能找到最适合自己的保险。可以通过各大保险公司的官方网站或咨询客服了解详细信息。

3. 定期评估和调整
– 随着生活状况和需求的变化，定期评估和调整自己的保险计划，确保始终拥有最适合自己的保障。

希望这篇文章能帮助大家更好地选择适合自己的住院险，如果有任何问题，欢迎联系我哦！😊

—

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

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#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

新加坡住院险哪家好？怎么才能选到自己最适合的保险呢？ — 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.

Published By:

JolysseWu 邬宇思

A Little about me:

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