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重疾险的五大认知误区

你是否认为自己健康或者年轻，不需要重病保险，或者认为现有的医疗保险已经足够了？

联合早报去年有文章专门提醒大家：保健促进局的数据显示，每四名新加坡人中，就有一人可能患上癌症，而卫生部的数据也显示，在2023年，本地55.4%的死亡案例归因于癌症或心血管疾病。最常见的严重疾病包括癌症、心脏病和中风。

无论是男性或女性，结肠直肠癌的发病率和死亡率根据癌症注册局发布的数据，都高居前三。

而癌症死亡率近年显著下降，发病率却急剧上升，是不是意味着现代医学患了癌症的生存机会大大增加， 我们可以把它看作一种慢性病来控制了？

乳癌成为女性最常患的癌症，占女性癌症病例近三成；尤其是40岁至49岁女癌症患者，有近半数患乳癌。处于这个时段的女性朋友们（包括我自己）一定要定期做检查哈。也难怪投保时这个健康要求比较严格。

卫生部长王乙康上也曾经发facebook说，癌症仍是本地头号杀手，但随着癌症治疗方案和技术的进步，加上及早诊断，癌症存活率已逐年提高。那么伴随而来的就是终身的治疗费用如何承担？

误区1：我有住院保险就已经足够了，不需要重病保险
重病险和住院险不同，前者保障收入，后者保障医疗费用。住院保险确实覆盖大部分医疗费用，但通常需要支付至少5%的自付额。另外需要长期治疗的严重疾病，以及如果使用非癌症药品清单上面的药物(Non-CDL)自付部分非常高昂，这将成为家庭沉重的经济负担， 所以在新加坡有句话是说:宁可死，不可病。此外，住院险并不涵盖非医疗费用，例如收入损失、护理费用、家庭赡养开销等等。

重病险能填补了这些非医疗费用的缺口，比如：支付房屋贷款、生活费或康复期间的收入替代，让你安心调养身子，专注于恢复健康。根据新加坡人寿保险协会的建议，重病保险的覆盖金额应该相当于收入的四倍。简单来说，重病险是一种额外的财务保障，让你能专注于康复而不是为各种账单发愁。

误区2：已有现有病症，我无法投保重病保险
现在许多保险计划已根据市场需求，专门为慢性疾病或常见的现有病症（pre-existing conditions）患者设计重病保险方案。例如有些保险公司承保各种重病的多重保障计划，即使你患有二型糖尿病、糖尿病前期或高血压、高胆固醇，或是身体质量指数超标（超重），照样可以享有承保。

误区3：重病保险太昂贵了，我负担不起
重病险其实相对并不高，尤其是越年轻投保，保费越低， 比如我给我家孩子投保了60万新币的终身重疾险，等她们工作后再追加40万保障， 那么未来人生的底气不在于工资有多高， 老公有多好， 而在于自己有了100万人生的托底。

误区4：我已经有重病保险，不需要更多保障
随着年龄增长和生活阶段的变化，早期投保的保额可能已不足以应对当前的风险。建议重病险的应对金额是年收入的四倍， 这是假设患者从确诊重疾到重返工作岗位，平均需要五年的时间。

随着收入的增长和家庭责任的增加，所需承担的房贷、子女教育费及父母的看护等开销也会改变。往往高收入和育有幼童的夫妇，在收入提高后未能及时增加保额，是重病险覆盖差距最大的群体。

误区5：我年轻，家里人也很健康，不需要投保重病保险
严重疾病不分年龄。越年轻投保，保费越低，保障越全面。统计学上面的1%对应于我们个人来说就是100%的灾难，对于单个家庭来说就是中产返贫， 阶层滑落的导火索.

做这行久了， 就会碰到年轻人甚至是十几岁的孩子得了重疾， 再想买进就很难了。而这时候往往会想：早点买就好了， 可惜人生没有回头路后悔药吃。

最后建议大家定期审视保险计划，并根据家庭收入和责任调整保额，有效减少财务漏洞。

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:

Su xiaoning

Hi, I’m Nicole, 中文名 苏小宁.

感谢访问我的网站， 我来自中国：上海， 家有两娃， 2018年搬来新加坡，之前一直电信行业工作多年。

我爱美食， 国学，爱打羽毛球， 爱交朋友。在这份工作之前我就做过多年投资，读过MBA,  我热爱这份工作，因为这份工作可以让我接触各行各业的人，我的客户也是我的朋友 ，专业是客户给我最多的评价！ 

不忘初心， 做个有温度有专业的财务规划师是我的毕生工作，我愿意做一位永不退休者， 终身学习者。

目前我的服务内容如下：

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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