不确定时代,年轻人为何热衷买保险?🤔

🛡️新消费时代,以90后为核心,95后逐渐成为主流**的年轻人迅速崛起,并成为未来新经济的重要力量。他们不仅引领着时代的发展,还展现出新一代“消费担当”的生活态度和价值判断。

🏢 保险市场闻风而动,敏锐捕捉到时代演进的信号:“后浪”将迎来新一波健康管理高光时代!

☕ 当上一辈试图从保温杯泡枸杞中获得养生安全感时,人间清醒的当代青年风险意识在不断提高。于他们而言,与其做对抗风险的孤勇者,不如把风险转嫁给保险,让家庭在遭遇意外时有更多的选择空间。

 

📊 《2023年新加坡保险用户需求趋势洞察报告》显示,新加坡保险基础用户标签正趋向年轻化,其中20-40岁购买保险的占总人群的75.9%。一边努力为生活打拼,一边为未来建立保障,正成为这代年轻人的选择。

📱 在Instagram、小红书、YouTube等互联网社交平台上,经常能看到各路网友热火朝天地分享经验、交流心得,各种各样的攻略让人看得眼花缭乱。

 

🌟 这届年轻人为何越来越热衷于配置保险?

1. 安全感的需求🛡️

过去,每每提及保险,大多数人的第一反应往往是能躲多远就躲多远,“买保险等于花冤枉钱”的刻板印象深入人心。近年来随着保险行业的规范,人们对于保险的认知水平已有较大幅度的提升,特别是在这种环境下成长起来的年轻人,对于保险有着截然不同的态度,开始选择主动拥抱保险。

📈《2023年新加坡互联网保险消费者洞察报告》显示,无论是传统保险还是互联网保险,“安全”作为保险的最基本要素得到了消费者的认可。

 

2. 健康保障的重要性🏥

说到安全感,排在第一位的非健康莫属。老人买健康产品,年轻人买保险,安全感的源头总是相似的。高压工作模式下,三高、颈椎病等不少中老年疾病年轻化趋势正在“蔓延”。疫情的爆发更是让年轻人发现,原来自己在灾难面前只能“裸泳”,毫无抵抗之力。

🛡️ 既然未来不可预知,不如给自己穿上保护“盔甲”。买保险成为了年轻人积极“自救”的举措之一,当紧急情况发生时,保险或许就是那个助你摆脱危机的B计划。

 

3. 投保前的谨慎选择📝

尽管很多年轻人在为自己撑起一把保护伞,但仍有部分人对保险持观望态度。在《当代青年保险态度报告》中,有65%的人表示“有社保就够了”。很多人以为买了医保就万事大吉。其实不然,医保是普惠性质的保障,有较多限制。想更好地应对未知风险,最好还是搭配商业保险。

🔍 普通人对保险的需求很简单,花小钱获得大保障。不管你是久经沙场的老主顾,还是一窍不通的门外汉,在投保前应明确自身的保障需求和经济条件,再选择适合自己的保险产品。如果买到不适合自己的保险,为安全感进行的投资很可能变成压垮骆驼的重担。

 

4. 如何选对保险?🔍

如何买到满意的保险,不妨多从性价比、服务理赔、保障范围等维度,系统评估下产品的靠谱程度。住院险方面,以保柏健康险(Bupa)、AIA综合医疗保险、NTUCINCOME总额和医疗保险为例,综合来讲各项指标相对市面同款产品得分更高。定期寿险,则以singlife elite term和多次赔付保险,FWD定期寿险为代表,保障疾病种类多,性价比高。

如今,健康消费升级下,新生代消费主力对保险产品呈现出个性化、多元化等特点,更期待一份周全又相对长久的健康保障,以应对健康问题突发的不确定。

 

5. 新加坡住院险介绍🏥

在住院险方面,这是一片创新蓝海,更是一份责任担当。面对这些年轻人切实的保险需求,住院险秉承着“健康是更长情的陪伴”这一理念,推出长期保障,打造差异化医疗险特色,让年轻人真正受惠。不管是新加坡公民、永久居民,还是在新加坡工作的外国人,都是可以买到新加坡住院险。

 

6. 住院险优势✨

保障期间即使出险理赔或者健康发生问题,甚至产品停售,只要按时履行合同缴纳保费,都不会影响保证续保权益。换而言之,相当于一次签约,不用担心每年续保问题,保障更长久,无忧更省心。

住院险月缴只要30新币起,每个月少喝5杯奶茶就可安享最少总额100万的超值保障,简直太值了。

而发生重大疾病比如因恶性肿瘤在新加坡接受治疗产生的医疗费用同样写进保险条款,实在优越很多。

 

7. 投保小贴士📝

在投保年龄上,住院险也十分宽松,小到出生14天的婴儿,大到65周岁都可以投保(不同公司的投保年龄上下限不同)。

新加坡住院险覆盖到了每个年龄段人群以及患病后的每个医疗阶段。小异常有解读,大病有协助,如此多的优质服务为健康保驾护航。

 

结论🔚

我们无法知道明天和意外哪一个先来,能做的就是把今天过好,并为明天多做打算。还没有百万医疗保障的朋友,可以看看新加坡住院险,续保时间长,保障内容全面,大牌保司背书,性价比超高。长期健康险,有Ta就够了!

 

你的宝库管家
Jolysse 邬宇思
微信:Yusi_Wo / WhatsApp:90088276
新加坡全牌照理财顾问
Representing Financial Alliance Pte Ltd
Singapore Largest Independent Financial Adviser
#保险 #重大疾病保险 #健康保障 #新加坡 #财务规划 #年轻人理财 #早期准备

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.

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