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新加坡保险全攻略：新移民家庭怎么买保险最合适？

新加坡保险全攻略：新移民必备5大保障类型（含医保与重疾险解析）

刚来新加坡不懂怎么选保险？这篇干货教你快速搞懂新加坡5类基础保障：医疗险、重疾险、人寿险、意外险与长期护理险，轻松规划新移民家庭的财务防线！

🏠新加坡保险全攻略｜新移民家庭怎么买保险才安心？

很多刚搬来新加坡的新移民家庭都在问：

“新加坡保险种类那么多，我到底要买哪几种？”

“公积金CPF已经帮我买医保了，还需要额外买吗？”

别急，这篇文章将一步步带你了解 最适合新移民家庭的5类基础保险，帮助你建立起稳固的家庭财务防火墙。

🔍为什么新移民在新加坡需要尽早配置保险？

在新加坡，医疗费用高昂、意外风险真实存在，一旦发生意外或确诊重大疾病，没有保险就意味着高昂的自费负担。

特别是对于初来乍到的新移民家庭，尽早规划保障型保险，是保护孩子、家庭财务的关键一步。

🧩新加坡新移民家庭必买的5类保险（按优先级排序）

🏥1. 医疗住院保险（Integrated Shield Plan）

  • MediShield Life 升级
  • Integrated Shield Plan 新加坡
  • 公积金医保不够用

新加坡政府为每位公民与PR提供基础医保 —— MediShield Life，但它只覆盖公立医院 B2/C 病房的部分费用。

如果你希望住更舒适的病房、使用私立医疗资源，就要加购商业住院险Integrated Shield Plan（简称IP）。

IP 的优势：

  • 提供更高的理赔上限
  • 可覆盖私立医院或B1/A级病房
  • 可使用公积金支付部分保费
  • 附加Rider后可减低自付比例，理赔最高达95%

📌 推荐人群： 所有新移民，尤其有小孩/老人的家庭成员

❤️2. 重大疾病保险（Critical Illness Plan）

  • 新加坡重疾险怎么买？
  • 重疾险理赔金额
  • 癌症保险推荐新加坡

重疾险不是补贴医疗费，而是一旦确诊重大疾病，直接赔一笔现金（癌症、中风、心脏病等），让你安心康复、补贴家庭生活开支。

建议保额配置：
年收入 × 5（如年收入$80,000，建议保额至少$400,000）

📌 推荐人群： 家庭经济支柱、主收入人群

👨‍👩‍👧‍👦 3. 人寿保险（Term Life / Whole Life）

  • 新加坡人寿险推荐
  • 人寿保险保额计算
  • Term Life vs Whole Life新加坡

人寿保险是为家人准备的“兜底金”。身故时，一笔赔偿金能帮助家人稳定生活、偿还贷款、继续孩子的教育计划。

建议配置：
年收入 × 10（如收入$100,000，建议人寿保额$1M）

📌 推荐人群： 有孩子、有房贷、有赡养父母义务的人士

🦶 4. 意外险（Personal Accident Insurance）

  • 新加坡意外保险理赔范围
  • 意外骨折怎么赔
  • 意外门诊保险新加坡

意外险主要覆盖因意外引起的伤残、门诊、检查费用。比如小孩在公园跌倒骨裂，虽然不需要住院，但看医生、X光、打石膏都能理赔。

📌 推荐人群： 有宝宝、常出行者、高体力活动者

🧓 5. 长期护理保险（CareShield Life & 增强版）

  • CareShield Life是啥？
  • 新加坡长期护理保险
  • 公积金支付长期护理保费

年满30岁的新加坡PR/公民会自动加入 CareShield Life，为将来可能发生的严重残疾做准备。

若无法完成基本生活动作中冲凉、进食、更衣、如厕、在室内走动、从床上坐上椅子或轮椅的3项，即可终身领取护理津贴，直到终身。不过，新加坡的护理费用，护理疗养院的费用是非常高的，仅仅依靠基本的保障可能是不够的。

💡 可选增强版（由3家保险公司提供），每年最多可用CPF$600支付保费。

📌 推荐人群： 30岁以上人群，规划长期保障的家庭

📝 新加坡保险配置建议表（新移民家庭版）

保险类型

推荐人群

建议保额

是否可用CPF支付

医疗住院险 IP

所有家庭成员

私立医院

✅

重疾险

主要收入来源者

年收入 × 5

❌

人寿险

有小孩/房贷者

年收入 × 10

❌

意外险

全员适用

10-20万新币

❌

长期护理险

30岁以上PR/公民

基础 + 加强版保障

✅

💬 常见FAQ｜新移民保险疑问解答

Q1：我还不是公民/PR，可以买这些保险吗？
A：可以，大部分商业保险公司都支持为EP、DP持有者投保，部分计划可能有健康要求。

Q2：申请时如果健康状况不理想，会被拒保吗？
A：可能。建议越早投保越有利，越年轻、健康越容易通过核保。

Q3：可以用CPF全额支付保费吗？
A：只有部分保险如医疗IP、长期护理增强版可用CPF支付，其他保险需现金/银行卡支付。

📲 想快速了解适合你的新加坡保险方案？

如果你正在：

  • 为孩子和家庭做保障规划
  • 想知道自己的保障有没有缺口
  • 担心保费太贵不知道怎么配比

欢迎添加我的微信或WhatsApp，免费获取专属保险配置建议👇

中立 | 专业 | 诚信

张蕾 （Miranda）

新加坡理财规划师

WhatsApp：92306561

微信：MIRANDAZHANGLEI 

新加坡保险全攻略：新移民家庭怎么买保险最合适？ — Engage

#新加坡保险#新移民保险#新加坡医疗险#重疾险新加坡#教育储蓄险#新加坡人寿险#家庭保障计划#长期护理保险#保险拒保#新加坡CPF医保#Integrated Shield Plan#新加坡保险科普#

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:

张蕾Miranda

大家好！我叫张蕾，来自四川的新移民，在新加坡生活多年，也是两位孩子的母亲。

深知新移民家庭在医疗、教育、资产规划方面的痛点，尤其理解家长们对家庭保障的双重关切。针对新加坡高昂医疗成本，为您定制健康保障方案；同时专注子女教育储蓄与跨境资产配置，让您无论身处中新两地都能安心无忧。

专业领域：

  • 新加坡全险种规划（医疗住院/意外/重疾/寿险/储蓄险/投连险/孕产险）

  • 家庭专属方案（家庭保障/教育金/退休金/遗产保障）

  • 中新跨境服务（远程定期寿险与IUL指数型万用寿险）

以家长视角+专业资质，为您的家庭筑起立体防护体系。期待与您携手规划安心未来！

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