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#新加坡住院险：门诊和急诊不报销？解析医疗保障迷思！

刚来新加坡，谁都知道配置住院险的重要性。但你知道吗？许多人误以为新加坡住院险一切都包，直到真正使用时才发现门诊和急诊是不能报销的！别着急，这里有解决方案。

首先，让我们了解一下。不是所有的门诊和急诊都不报销。若是门诊和急诊接下来需要住院或手术，那就可以用住院险报销。但若没有住院或手术，所有费用都需自付。所以，经常有人去医院做检查、拿药，最后医生却说不需要住院，导致所有费用自费，实在令人心疼！

另外，若医生认为急诊需要留院观察，超过6小时就可以用住院险报销，不到6小时就需自费。

总之，你的病必须“严重”到住院的程度，去看医生才“划算”！

那么，有哪些保险可以报销门诊和急诊呢？

  1. 1.     团体险：公司通常会为员工配置团体险，在指定诊所看病可得到全部或大部分费用报销。
  2. 2.     高端医疗险：虽然保费昂贵，但基本都可报销门诊和急诊费用。
  3. 3.     意外险：性价比极高，每年几百块钱即可保各种意外导致的医疗费用（有一定限额）。

若你同时拥有住院险、团体险和意外险，产生的医疗费用均可用三种保险来报销。那么，到底应该先使用哪种保险报销才能获得最大利益？这需要根据你的身份和具体情况来具体分析。若有这方面疑问，可以添加作者微信（DrLiu65）咨询！

我是广告分界线————————

作者刘博士，毕业于新加坡南洋理工大学，任职于新加坡最大的独立理财顾问公司（Independent Financial Advisor, IFA）。购买新加坡保险，请添加刘博士微信：DrLiu65。
为什么选择IFA（独立理财顾问）购买保险？
1. 节省时间成本：无需寻找多家保险公司，无需阅读各家保险公司产品信息，IFA可以包办一切。
2. 精准匹配：IFA为你精选最适合的产品，节省30%-60%保费。
3. 客户利益至上：IFA只代表客户利益，不受保险公司影响。
4. 跨保险公司方案：IFA可结合多家保险公司，提供最优方案。
5. 深度服务：全程跟进各项理赔，确保客户利益最大化。
立即行动，选择最佳医疗保障！

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:

LIU Yiquan Eugene 刘以泉

您好，我是刘以泉，感谢科技让我们相遇！我2010年来到新加坡，毕业于新加坡新加坡南洋理工大学并且拿到博士学位。现在在新加坡最大的独立理财顾问公司做全牌照独立理财顾问。服务过上百个新加坡新移民和国内的朋友，为他们提供全面专业的定制化资产配置服务。

我曾经是一名工程师，在浙江大学获得学位，并在上海的国际公司工作多年。后来，带家人移民到新加坡，并且在新加坡南洋理工大学获得哲学博士学位。通过这一系列的跨国经历，我深刻理解到不同背景下的财务挑战和规划的重要性。

在我转行做理财顾问之前，我一直对理财投资有着浓厚兴趣，并注意到身边很多高学历人群普遍缺乏金融知识，因为这个行业确实存在巨大信息差，这一点对于刚到新加坡的朋友们尤为明显。而且，保险理财的选择成本是非常大的，一旦选错的错，就可能会造成很大损失，因此，我转型成为一名独立理财顾问，致力于帮助新移民的个人和家庭在新加坡做精准配置，不仅给他们一份安心，而且在新加坡实现他们的财务目标。

我的使命是：通过深度的对比和专业的理财建议，为您打造稳固的经济基础，帮助您实现财务自由。

我会以简洁易懂的语言解释复杂的金融术语，确保每一位客户可以轻松理解并掌握每个财务决策的核心。如果你在寻找一位真诚、专业的理财顾问，我将是您的理想选择。让我们一起规划和实现一个更加稳健的财务未来。欢迎通过微信联系我：DrLiu65，期待为你服务！

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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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