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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

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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  • 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。
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  • 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。
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  • 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.
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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