什么是索赔补偿(Claim Recovery)?

目前,超过70%的新加坡居民,都拥有一份个人综合健保计划(IP),主要用于住院医疗费用保障。
而作为受雇工作人士,一般也都会有一份雇主提供的公司集体住院保障计划(GHS)。
在住院事件发生时,如果个人健保计划被优先索赔,事后,个人可以凭报销单据,向公司集体住院保险,提交索赔补偿Claim Recovery。
也就是说,通过公司集体住院保险,把个人住院健保赔付的部分给补偿回来,这样个人综合健保计划的保障额度就不会受影响。
目前,有些保险公司,还会对完成索赔补偿的个人以资鼓励。
(图二为真实客户案例)

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Published By:

丁翊洵 Isabelle Ding Yixun

新加坡专业理财顾问 | 职业女性 | 两个孩子的妈妈

来自中国苏州,扎根新加坡十多年。

曾在保险公司奋斗十年,从无数次陌生拜访中成长为客户信赖的理财伙伴。

2023年起,成为新加坡鑫盟理财的专业理财顾问。

持有注册财务规划师(Certified Financial Planner)及新加坡银行与金融协会高级认证(IBF Advanced)。

我相信,理财不单单只是卖产品,更是用专业为每一个家庭打造属于自己的人生底气。

“理财这条路,我愿陪你一起慢慢走。” ❤️

Financial Advisory Manager | Career Woman | Mother of Two

Originally from Suzhou, China, now based in Singapore for over a decade. I spent 10 years in the insurance industry, growing from cold calls and rejections to becoming a trusted advisor to my clients. Since 2023, I have been serving as a Financial Advisory Manager with Financial Alliance. I am a Certified Financial Planner (CFP®) and hold the IBF Advanced certification from the Institute of Banking & Finance Singapore. I believe financial planning isn’t about selling products — it’s about using expertise to empower families and create peace of mind. No goal is too big or small — what matters is starting the journey and enjoying every step of the way.

“Let’s build your financial future — step by step, with purpose and care.” ❤️

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