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“生病不可怕，没钱养家才可怕”：新加坡中产家庭的重疾保额，到底多少才算够？

很多新移民朋友问我：“我有公司保险，也买了最高级别的私人医疗险，生病住院一分钱不掏，为什么你还建议我买重疾险？”

请记住： 医疗险解决的是“住院账单”，它就像一个会计，花了医疗费它给报销。而重疾险像一个富豪朋友，确诊直接给你一大笔钱，解决的是你重病后3-5年无法工作的收入损失、房贷车贷、以及孩子的补习费。 在新加坡，医疗费可以“报销”，但生活费没人能帮你“报销”。

那重疾保额应该怎么定？ 新加坡人寿保险协会（LIA）曾建议：一个成年人合理的重疾保额应为年收入的4-5倍。

为什么是4-5倍？ 统计显示，重大疾病的康复期平均为3-5年。这期间你可能需要：

    • 辞职静养或换一份轻松但薪水低的工作。
    • 购买不涵盖在医疗险内的昂贵进口药、营养品。
    • 雇佣女佣或专业陪护的开支。

 算一算如果收入是10万新币，你的重疾保额应配置40万-50万。

中产家庭配置重疾险的三个建议：

  • 一: 先大人，后小孩 很多父母舍得给孩子买最全的保险，自己却“裸奔”。但在保险逻辑里，父母才是孩子最大的“保险”。如果大人倒下且没有保额覆盖收入损失，孩子的保费和生活费都会难以为继。优先保住家庭的“印钞机”，才是对孩子最负责的做法。
  • 二：预算如果不够保终身，也先保定期 很多客户总有“没发病保费拿不回来就是亏了”的传统观念，执着于买带储蓄保终身的险种，结果因为预算有限，保额只买了区区10万。保险的本质是杠杆。 在预算有限的阶段，可以用低保费先买下一份高保额的“定期重疾（Term CI）”覆盖奋斗期，远比买一份保额不足的“终身险”要有意义得多。我们也时常帮客户把这两个险种做个组合搭配购买。
  • 三：同样预算，单次足额优于多次赔付 “多次赔付”听起来很美好，但如果因为它导致你单次赔付的保额从50万缩水到20万，那就本末倒置了。大病的第一击通常是最致命的。 我们的策略应该是：先确保第一笔赔偿金能覆盖目前的债务和生活开支（单次足额），在预算还有富余时，再去考虑多次赔付带来的长期安全感。

最后呢，保障规划没有“最好”，只有“最适合”。 对于正处于职业上升期的中产家庭，保险板块建议“医疗险配到顶，重疾保额做够，定期与终身组合，动态调整。” 金管局的建议是总体保险支出不超过收入的15%。

我司代理17家新加坡寿险公司，同类产品不同保司费率竟然相差可达20%多，关于家庭重疾险该怎么配置，可以找我。微信Gothia

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 

我是彭歌佳（Gothia），现任新加坡顶尖独立理财机构 Financial Alliance（鑫盟理财）Associate Wealth Advisory Director。拥有超过10年财富管理经验，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。

【深耕新移民，洞察复杂需求】
在9年的头部寿险公司经历与多年的全方位理财咨询实践中，我已深度服务超过 600位新移民个人与家庭。我深知高净值人群在面对跨国资产配置、身份规划及家庭保障时的复杂性。我不仅提供保险方案，更致力于为您构建全生命周期的财务防御体系。

【我能为您解决什么？】
全市场精选: 摆脱单一公司束缚，在新加坡全市场筛选最优资产配置与保障方案。
资产保全与传承: 针对高收入家庭，设计合规的财富隔离工具，确保财富定向传承。
理赔与后续服务: 丰富的理赔实操经验，让您的保单在关键时刻发挥最大的杠杆效应。

【我的哲学: 长期主义的陪跑者】
我始终秉承“真诚、中立、负责”的原则。对我而言，您不仅是客户，更是共同成长的朋友。我承诺提供量身定制的动态财务回顾，确保您的财富计划能随人生阶段灵活调整。

【联系方式】
期待与您深度对话，开启您的财富增值与守护之旅。 WeChat：Gothia 电话：82685431
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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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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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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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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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