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长期护理险CareShield Life：为什么每位新加坡家庭都应该提前了解？

了解新加坡政府的长期护理险CareShield Life，为什么仅靠基础保障可能远远不够？本篇带你拆解升级方案，让家庭护理计划更安心。

🌱 家长视角看长期护理险：你以为离你还远，其实离家庭很近

讲真，长期护理险（CareShield Life）这件事，很多人第一反应都是“是不是我年纪大了再看就行？”但如果你细想一下，谁能保证一生不会因为意外或慢性病突然失去生活自理能力呢？

特别是对于我们这些远离父母、带娃在外的新移民家庭来说，一旦自己或家中老人发生重大健康变故，经济压力和照护安排，可能一下子就让生活脱轨。

👉 重点是：新加坡的长期护理费用，并！不！便！宜！

💡什么是CareShield Life？

CareShield Life 是新加坡政府推出的基础长期护理保险计划，从30岁开始自动参保，主要为因病、意外或年老丧失生活自理能力的人群提供每月现金补贴。

💰 赔付机制是这样的：

长期护理险CareShield Life：为什么每位新加坡家庭都应该提前了解？ — Engage

  • 无法独立完成6项日常活动中的至少3项（如穿衣、洗澡、吃饭等）即可申请赔付
  • 起步赔付为 每月600新币（2020年标准），会逐年增长
  • 一旦符合条件，就可终身领取赔付，直到康复或过世

🎯 保费全额可用Medisave支付，不用额外掏现金。

🔍问题来了：600新币/月，够吗？

答案是——非常吃紧，甚至远远不够！

🔎 来看看新加坡本地护理服务的大致费用（每月）：

护理方式

费用范围

女佣照顾

$600 – $1,000

日托中心

$1,200 – $1,800

私人护理院

$2,000 – $4,500

政府资助护理院

$1,200 – $3,500

高端护理院

超过 $5,000

如果你考虑请一位外佣帮忙照护年迈父母，加上吃住、税费、医疗支出，每月至少也要$1,200+，远超CareShield Life能覆盖的范围。

✨那我们该怎么办？CareShield Life升级选项来了！

别担心！CareShield Life 本身只是一个“基础款”，它还有升级版：CareShield Life Supplements（增强型长期护理险），由私营保险公司提供，在政府政策框架内运作。

🌟 升级保障的好处：

  • 将每月赔付金额提高至$1,500甚至$3,000+
  • 某些产品仅需无法完成2项日常活动就可理赔，门槛更低
  • 多数保费可用Medisave支付（每年最多$600），不用动用太多现金

✅真实案例：升级方案性价比有多高？

👨‍💼 比如，一位30岁的非吸烟男性，如果想在CareShield基础上增加$1,500新币/月的赔付，仅需年缴不到$600新币（约每月$40+）。

👉 相当于：每月花几杯星巴克的钱，买一份终身照护保障，而且还能用Medisave付！

❤️ 家庭财务规划中常被忽视的一环：长期护理

很多人关注住院险、重疾险，却容易忽略了“长期护理”这个支出黑洞。一旦家庭成员出现重度失能，不仅带来情绪冲击，更可能让另一半辞职照顾，孩子的教育、房贷计划也被迫打乱。

🔔 提前规划长期护理保障，是为家庭加一道安全锁。

🗣️贴心建议：从现在开始做3件事

  1. 确认是否已参保CareShield Life
    • 30岁以上公民或PR自动加入，CPF官网可查询
  2. 了解各家CareShield supplement差异
    • 如 Singlife、Great Eastern、Income 等
    • 重点看：赔付金额、理赔门槛、保费结构
  3. 找专业顾问评估家庭护理风险
    • 是否需要升级？
    • 哪种保障更适合你？

🔚总结：

长期护理险，不是“等老了再说”的事。
它关系到：当最坏的事情发生时，你是否已经做好准备？

无论你是职场人士或是家庭主妇，CareShield Life都值得你认真了解。为自己，也为爱的人，多一份底气和安心💛

中立 | 专业 | 诚信

张蕾 （Miranda）

新加坡理财规划师

WhatsApp：92306561

微信：MIRANDAZHANGLEI

长期护理险CareShield Life：为什么每位新加坡家庭都应该提前了解？ — Engage

#新加坡保险科普 #长期护理险 #CareShieldLife #新移民保障 #家庭照护 #Medisave怎么用

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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