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新加坡的医疗保险体系| 外籍雇员怎么买？

移居新加坡？别忘了医疗保险的重要性！

搬家已经够繁琐了，如果是移居新加坡这样的国际化城市，对外籍人士来说更是挑战。尤其是在医疗费用高昂的情况下，医疗保险绝对是一个不能忽视的关键。以下是一些关于新加坡医疗体系和保险选择的干货分享，让你搬家更安心！

🏥 新加坡医疗体系有多优秀？

新加坡拥有世界一流的医疗服务，公私营医院设备齐全，医生素质极高，无论是常规体检还是复杂手术都让人放心。

💰 医疗服务要收费吗？

虽然新加坡医疗服务并不免费，但公营医疗有高额津贴，部分费用可以减免至80%。如果你是新加坡公民或永久居民，还能通过中央公积金（CPF）享受平价医疗服务。

不过，外籍人士不强制缴纳CPF，因此无法使用这些津贴和福利。换句话说，所有医疗费用都需要自掏腰包。

外籍人士的医疗保险选择

1️⃣ 雇主团体保险

✔️ 向雇主了解团体保险的范围，例如是否覆盖牙科、妇产科或已有病症。
✔️ 注意保单的限制，比如覆盖额度和可用的医疗网络。
✔️ 如果保障不够，可以选择附加个人保险，覆盖更多风险，如住院和重大疾病。

2️⃣ 个人医疗保险

雇主没有提供医疗保障？别担心，你可以购买个人保险，计划灵活多样，可根据年龄、性别、保障范围等定制。

3️⃣ 国际医疗保险

适合经常往返多个国家的外籍人士。例如，新加坡高端医疗计划覆盖私人医疗保健、国际紧急医疗补助等，满足跨国生活需求。

选保险小贴士

✅ 详细阅读保单的条款，确保了解受保和不受保的项目。
✅ 考虑家人的医疗需求，特别是长期保障和突发事件的应对。
✅ 如果对选择有疑问，可以咨询专业顾问，确保计划符合你的需求。

新加坡的医疗体系和保险计划虽然复杂，但只要花时间了解并选择合适的保险，就能让你和家人在这里的生活更加无忧。💡

 

我是宇思，和你一起看世界。
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#新加坡生活 #新加坡文化 #新加坡趣事 #移居新加坡 #新加坡生活方式 #新加坡社会 #IndependentFinancialAdvisor #REITsavvy #FinancialConsultant #ChooseIndependent #SingaporeInsurance #WealthManagement #FinancialFreedom #新加坡理财 #新加坡保险 #新加坡医疗

来到新加坡后才知道的 3 件有趣小事 🌏 — Engage

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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