【新加坡高端医疗】高净值家庭需要一份“全球就医护城河”

新加坡的医疗体系以公立体系 + 私立体系并行闻名:公立医院效率高、学科实力强,社保保障( MediShield Life)主要面向公立 B2/C 补贴病房与部分门诊大额项目;若希望入住单人病房或私立医院,通常需要再叠加 本地住院险Integrated Shield Plan(IP)。换句话说,国家基本医保偏“本地、住院型、补贴价”;想要更舒适的就医体验、自由选择医生/病房,需要商业加层。

与此同时,私立医疗价格透明但不低,我去年帮客户单个手术理赔超过70万新币的,深感医疗保险的重要性。

对经常跨境商务、带娃来新加坡留学、或希望获得国际第二诊疗意见的新加坡高净值人群而言,仅靠本地“公立+IP”往往覆盖不到境外和门诊专科,也难以做到全球直付+礼宾协调。这正是国际高端医疗险的价值所在。

方案聚焦|以某公司全球医疗险举例

这是一款高端全球医疗险,为在新加坡学习生活工作的高端家庭提供高年度保额 + 全球或区域可选的医疗报销,并附带住院直付与 24/7 医疗礼宾。官方要点如下:

  • 年度保额最高 S$6,500,000,可选 3 种覆盖区域(含“全球/全球不含美国/全球不含美国与香港”)。

  • 无核保问卷、无体检即可投保。

  • 住院前后门诊各最长 200 天,覆盖术前评估与术后随访等。

  • 既往症可纳入(A/B 计划):设 9 个月等待期+额度阶梯;如连续 24 个月 trouble-free 且持续承保 24 个月,同一疾病可转入主责限额。C/D/E 计划不含该“既往症福利”。

  • 孕产福利:产前/产后并发症各档均有;分娩费用仅 Plan A,且365 天等待期

  • 直付与礼宾:全球医院目录内住院直付,并提供24/7 医疗礼宾协调。

五档计划怎么选?

共同点(A–E 都有):

  • 可进入优选私立医院/专科

  • 住院直付

  • 24/7 医疗礼宾

  • 全面住院责任

  • 标准单人病房

  • 产前/产后并发症保障。

关键差异——年度限额 / 覆盖区域 / 门诊:

  • Plan A:S$6.5m|全球或全球(不含美)|门诊:含

  • Plan B:S$4.8m|全球或全球(不含美)|门诊:含

  • Plan C:S$3.5m|全球(不含美&港)|门诊:含

  • Plan D:S$0.9m|全球(不含美&港)|门诊:含

  • Plan E:S$0.6m|全球(不含美&港)|门诊:有限
    (详表加微信:Gothia索取产品手册)

可选项

  • 币种 SGD / USD

  • 可加年度免赔额 / 共同保险额以换取保费折扣(注意:限定网络医院存在强制性共保;提前预授权并选择panel 专科可避免)。

举例:张总35岁,持EP居住新加坡,想要一个全球医疗险覆盖新加坡和中国日本东南亚地区,含普通门诊。经讨论选择了Plan D无免赔额,年保费是$61xx多新币。

为什么它更适合高净值家庭?

  1. 覆盖场景更“全球”
    工作生活跨境、孩子寒暑假海外营地、父母需到境外专科复诊时,传统本地 IP 方案主要针对新加坡本地住院,不覆盖或很难覆盖境外;而 全球医疗险可按需选择覆盖区域,并在覆盖区内提供直付与礼宾。

  2. 全流程覆盖
    从住院前的评估检查到出院后的康复随访,前 200 天 + 后 200 天门诊都能纳入,减少零碎自费。

  3. 兼顾既往症与慢病管理
    A/B 计划对既往症设置等待期 + 梯度额度,且达成“trouble-free 24 个月”后可升格主责;慢病(如心脏病、肿瘤、糖尿病)发生在保单生效后者,可按计划限额持续管理。

  4. 费用与体验的“平衡阀”
    可通过“免赔/共保”控制保费;而直付 + 礼宾降低就医摩擦与现金流压力。

谁更该优先考虑?

  • 家办/企业主/高管:一年中有相当时间在海外活动,或需要国际第二诊疗意见

  • 准备/计划生育的家庭:对产前/产后并发症与分娩费用(仅Plan A)有更高要求。

  • 有既往症或担心慢病复发:希望“先有缓冲额度、后升主责”的A/B路径。

  • 已有本地住院险IP,但需要“境外+直付+礼宾”补位的客户:两者并不冲突,分别解决本地住院国际就医两类问题。IP 的定位与全球医疗险的定位不同,边界清晰。

边界与等待期(务必看清)

  • 等待期

    • 一般疾病 30 天;

    • 指定疾病 180 天;

    • 意外伤害/登革热/动物咬伤/食物中毒即时生效;

    • 既往症福利(A/B)需 9 个月等待期

  • 覆盖区域外仅紧急治疗可赔。

  • 医院网络与共保:限定网络医院可能触发强制共保预授权 + panel可避免。

  • 孕产:分娩仅 A,且365 天等待期

  • 投保年龄/保障期间最高可投保至 60 岁;可保至 99 岁;币种 SGD/USD 可选。

快速决策清单(给忙碌的你)

  1. 地域:是否需要含美国/香港覆盖?(差旅/就医习惯说了算)

  2. 额度:S$0.6m – S$6.5m,如何匹配你的就医偏好与家庭规模?

  3. 既往症:如有,优先 A/B,读懂9 个月等待期 + 24 个月 trouble-free规则。

  4. 孕产/牙眼/体检:是否需要分娩费(仅 A)常规牙/眼疫苗/体检等增强项。

  5. 保费优化:是否启用免赔/共保,并确保走预授权 + panel路径,避免不必要的自付。

医疗是确定性支出中的最大不确定项。如果你的生活与财富布局已经全球化,建议把“全球医疗直付能力”纳入你的家庭资产防护层。
联系我(微信Gothia)可以基于你的出行轨迹、既往病史、医院偏好、家庭成员结构和预算,为你做一份A–E 计划的细化对比(含等待期/限额/共保/免赔/网络要求)与年度保费测算,并给出与现有 IP 的搭配建议——一次到位,少走弯路

说明:本文为产品信息与投保要点的专业化整理,最终以保险公司正式条款与批注为准

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:

彭歌佳 Gothia Peng Gejia

您好,我是Gothia彭歌佳,是新加坡顶尖理财顾问公司Financial Alliance鑫盟理财的资深理财经理,拥有超过十年的行业经验。

专业背景

我持有新加坡保险学院的个人财务规划学位,以及新加坡银行与金融学院的高级认证。这些学术背景为我提供了坚实的理论基础,使我能够更好地为客户提供财务建议。

工作经验

 我曾在新加坡的头部人寿保险公司服务了9年多,帮助了上百个新移民家庭实现财务安全感,在保险后续服务和理赔方面,拥有非常丰富的经验。

我的使命

我的使命是为客户提供专业、中立、全面的财务建议。我始终将客户的需求和利益放在首位,并秉承着长期主义和真诚负责的原则。对我来说,每位客户都如同朋友一般重要,我期待陪伴他们走过人生不同阶段,优化他们的财务状况,并提供真正符合他们需求的解决方案。

我的承诺

我致力于为每位客户提供量身定制的解决方案,并定期回顾计划,以确保财务目标得以实现。如果您正在寻找一位可信赖的理财伙伴,我期待着与您携手合作,共同规划您的财务未来。

如果您有任何疑问或需要进一步了解我的服务,请随时联系我。感谢您访问我的个人网站,期待与您交流!

Wechat:Gothia

 

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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/.

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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