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新加坡 | 各年龄层如何做好保险规划？(上篇：0~30岁)

保險是一種未雨綢繆的理財工具，但許多人往往認為只有有閒錢的人才需要買保險，買越多就越花錢。事實上，適當的保險規劃不僅能應對生活中的各種變數，還能保護我們辛苦積累的財富不被風險侵蝕。那麼，不同年齡段的人應該如何選擇合適的保險呢？讓我們一起來看看吧！

 

為何規劃保險要先考慮年齡？

每個人的保險需求因其背景、經濟能力、健康狀況及家族病史等因素而異。因此，一份適合A的保單不一定適合B。然而，相近年齡段的人面臨的風險和需求往往相似，因此以年齡層來劃分保險規劃是一個值得參考的方法。

 

新生兒（0-1歲）

  1. 住院醫療險 新生兒住院的概率較高，住院醫療險尤為重要。可以選擇“終身醫療”或“定期實支實付”兩種類型。前者保費低且保障長，後者則能有效覆蓋住院雜費、藥物費和手術費等常見醫療開支。
  2. 癌症險 雖然癌症在嬰兒中的發病率較低，但如血癌和腦瘤卻不可忽視。選擇一次性給付型癌症險，尤其是包含標靶藥物支出的產品，是一個不錯的選擇。
  3. 意外險 隨著寶寶逐漸會爬行，各種意外風險增加。選擇包含“意外傷害實支實付”、“意外住院日額給付”、“燒燙傷”等保障的意外險，確保無論住院與否都能獲得賠付。
  4. 失能扶助險 儘早為新生兒購買終身型失能扶助險，保費較低且保障長期，有助於應對疾病導致的失能風險。

 

幼童（1-14歲）

  1. 兒童意外險 孩子活潑好動，意外風險較高。兒童意外險通常覆蓋意外傷害、失能、骨折及燒燙傷等。此外，含有“個人過失責任”的產品可轉嫁孩子在外闖禍的風險。
  2. 醫療險 定期實支實付型醫療險是學齡兒童的重要保障。每隔幾年調整一次額度，確保保障能夠跟上醫療費用的變化。
  3. 癌症險和重大傷病險 擔心家族病史或罕見疾病風險的家庭，可以為孩子購買癌症險和重大傷病險，提供額外保護。

 

青年（15-30歲）

  1. 意外險 青年時期活動頻繁，意外險是必備保障。特別是拿到駕照後的車險，如第三人責任險，也需要特別關注。
  2. 醫療險 定期實支實付型住院醫療險仍然是重點，確保能夠應對意外和疾病帶來的醫療開支。
  3. 癌症險和重大傷病險 根據經濟能力選擇小額定期險，增加防護而不增加太多負擔。
  4. 定期壽險 26歲後開始負擔家庭責任，可以考慮投保定期壽險，提供家庭經濟保障。

 

總結

保險規劃應根據不同年齡段的風險特點進行調整。新生兒階段注重醫療和失能保障，幼童階段增加意外險和疾病保障，青年階段則需綜合考慮個人及家庭責任。記住，父母是孩子最好的依靠，因此在為孩子投保之前，先確保自身的保險規劃完善。

 

你的寶庫管家
Jolysse邬宇思
微信：Yusi_Wo / WhatsApp：90088276
新加坡全牌照理財顧問
Representing Financial Alliance Pte Ltd
Singapore Largest Independent Financial Adviser
#保險 #重大疾病保險 #健康保障 #新加坡 #財務規劃 #年輕人理財 #早期準備

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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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