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新加坡 | 新生兒保險這樣保！

剛來到世上的小寶寶，身體狀況最令人擔心，其中又以傷病帶來龐大的醫療費為主要風險，而若是因此導致失能，燒錢的日子更加長久，那又是風險中的大風險了！

「住院醫療險」因新生兒住院機率高，重要性不言而喻，可有效轉嫁常見的醫療重大支出，如住院雜費、住院藥物費、手術費等，且方便定期調整，隨時跟上醫療趨勢。

與疾病有關的保險還有「重大疾病保險」，對寶寶來說主要都是用來預疾病症，記得盡量挑有保障「標靶藥物支出」的商品。癌症不會因為年紀小就不發生，如血癌或腦瘤，都特別容易發生在幼兒階段，千萬別忽略才好，趁著被保人年紀小、保費低的情況，搶先購買一輩子的保障。若有預算壓力，先買幾年的定期也可以，等下一代長大經濟獨立後，再讓他自己規劃相關保障。重疾類保險選擇範圍較廣的「重大傷病險」即可，這時投保費用極便宜還不致造成負擔。

當寶寶逐漸會爬行後，也可能發生各種意外，此時必須挑選有「意外傷害實支實付」、「意外住院日額給付」、「燒燙傷」等相關保障的「意外險」，額度不用太高，主要是確保不論有無住院，都能夠理賠意外受傷的情形。

最後必須謹記一點：父母是寶寶最好的依靠，如果父母遇上風險導致財務狀況出問題，寶寶的保單沒人繳費也是枉然。所以自己的保險一定要先規劃好，幫新生兒處理保單才有意義。

新生兒2024最新投保流程懶人攻略

新生兒最好在出生前，在孕媽媽肚子裡面就投保，是最好的。

步驟：出生前先幫寶寶規劃好保單 → 投保（無疾病體況）→ 出生後配合醫院做基本檢測 → 盡快取好名報戶口 →出生後7~10天左右可以準備把保險轉到寶寶名下 → 過疾病等待期後，如有需要，再自費做其它檢查

投保主要目的 幫寶寶建立完善的醫療保障，避免萬一發生嚴重傷病時帶來長久又龐大的醫療開銷。
建議投保險種與重要程度 住院醫療險 ★★★★★
意外險 ★★★
重大傷病險 ★★MummyToBaby孕期保險★★★

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

新加坡 | 新生兒保險這樣保！ — Engage

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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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  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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