新加坡IP住院计划是否保障境外住院费用?

在新加坡,IP (Integrated Shield Plan) 住院计划是否覆盖境外住院费用,需分为以下两种情况:

  1. 紧急住院治疗 (Emergency Medical Treatment)

“紧急住院”指在新加坡境外因突发或意料之外的严重病况或伤害而必须住院治疗,以挽救生命或避免健康受到严重危害。

注意:保险公司对是否属于“紧急住院治疗”拥有最终解释权。

  1. 择期住院治疗 (Planned Medical Treatment)

“择期住院”指在海外医院进行的计划性住院治疗或日间手术,但需满足以下条件:

  • 该海外医院必须与新加坡的 MediSave 认证机构或转介中心有批准的合作安排;
  • 受保人需通过新加坡的 MediSave 认证机构或转介中心完成转介。

目前,能够提供此类服务的 MediSave 认证机构/转介中心有两家:

1) Health Management International (HMI)

2) Parkway Holdings Pte Ltd

它们的合作海外医院目前仅限于马来西亚的医院。

提醒:

目前,并非所有新加坡保险公司都提供“择期住院治疗”保障。对此项利益有需求的朋友,建议联系保险顾问了解详情,以便根据自身需求选择合适的保险计划。

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.

Published By:

丁翊洵 Isabelle Ding Yixun

新加坡专业理财顾问 | 职业女性 | 两个孩子的妈妈

来自中国苏州,扎根新加坡十多年。

曾在保险公司奋斗十年,从无数次陌生拜访中成长为客户信赖的理财伙伴。

2023年起,成为新加坡鑫盟理财的专业理财顾问。

持有注册财务规划师(Certified Financial Planner)及新加坡银行与金融协会高级认证(IBF Advanced)。

我相信,理财不单单只是卖产品,更是用专业为每一个家庭打造属于自己的人生底气。

“理财这条路,我愿陪你一起慢慢走。” ❤️

Financial Advisory Manager | Career Woman | Mother of Two

Originally from Suzhou, China, now based in Singapore for over a decade. I spent 10 years in the insurance industry, growing from cold calls and rejections to becoming a trusted advisor to my clients. Since 2023, I have been serving as a Financial Advisory Manager with Financial Alliance. I am a Certified Financial Planner (CFP®) and hold the IBF Advanced certification from the Institute of Banking & Finance Singapore. I believe financial planning isn’t about selling products — it’s about using expertise to empower families and create peace of mind. No goal is too big or small — what matters is starting the journey and enjoying every step of the way.

“Let’s build your financial future — step by step, with purpose and care.” ❤️

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