新加坡IP住院计划是否保障境外住院费用?

在新加坡,IP (Integrated Shield Plan) 住院计划是否覆盖境外住院费用,需分为以下两种情况:

  1. 紧急住院治疗 (Emergency Medical Treatment)

“紧急住院”指在新加坡境外因突发或意料之外的严重病况或伤害而必须住院治疗,以挽救生命或避免健康受到严重危害。

注意:保险公司对是否属于“紧急住院治疗”拥有最终解释权。

  1. 择期住院治疗 (Planned Medical Treatment)

“择期住院”指在海外医院进行的计划性住院治疗或日间手术,但需满足以下条件:

  • 该海外医院必须与新加坡的 MediSave 认证机构或转介中心有批准的合作安排;
  • 受保人需通过新加坡的 MediSave 认证机构或转介中心完成转介。

目前,能够提供此类服务的 MediSave 认证机构/转介中心有两家:

1) Health Management International (HMI)

2) Parkway Holdings Pte Ltd

它们的合作海外医院目前仅限于马来西亚的医院。

提醒:

目前,并非所有新加坡保险公司都提供“择期住院治疗”保障。对此项利益有需求的朋友,建议联系保险顾问了解详情,以便根据自身需求选择合适的保险计划。

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:

丁翊洵
Isabelle Ding Yixun

关于我

– 来自中国苏州 
– 鑫盟理财独立理财顾问, 2023至今
– 注册国际金融理财师, 2023 
– 新加坡友邦保险财务服务顾问, 2013-2023
– 英国商科硕士学位, 2003
– 苏州大学国际贸易学士学位, 2002 

回顾过去20多年里的工作经历,每一段都非常可贵,也造就了现在的我。保险理财行业,是我至今从业时间最久的行业。在新加坡友邦的10年期间,我经历过最初三年保险新人的痛苦挣扎期,无数次被拒绝的陌生拜访和路演,让我留下过很多汗水和眼泪。最终,我的长期努力和坚持,获得了顾客的信任和支持,也正是因为每一份附上郑重签名的白纸黑字,都是一份长远的承诺,鼓励着我继续勇往直前。

2023年4月,我取得了国际金融理财师的资格证书,12月我告别新加坡友邦,加入新加坡最大的独立理财公司,成为一名独立理财顾问。我作出这个决定的初衷,就是想更好地运用我深耕10年的保险理财行业的经验,在更大的平台上,为更多有需要的人们服务。独立理财公司有着更广大的保险、投资合作平台,从而能够让我真正做到从顾客需求出发,提供更中立、更全方位的理财方案,这点跟我的长期职业愿景相符。我深知,独立理财顾问的路,前期需要付出更多的努力,而我也正在接受着挑战,并且愿意为之奋斗终身。

作为一名职业女性,同时也是两个孩子的母亲,我深知每一位女性的“超能力”,都源于她们对工作和家庭的全心付出。我特别希望能为职业女性和母亲们提供最大的帮助和支持,共同分享生活中独特的喜怒哀乐。我也希望通过我十多年的财务规划实战经验,帮助职业女性和母亲们,实现个人和家庭的财务目标。财务目标无关乎大小,重点是能够早日开启并享受这趟健康而快乐的财务规划之旅。

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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/.

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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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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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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.
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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.
  • 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