必须要有的:新加坡终身护保 Careshield Life

一人失能,全家失衡。这是现实的社会,家庭中要面对的实际困难。

据报道,年满65岁健康国人中,约一半余生可能会有一种严重残疾,约三成患残疾超过10年。
长期护理对社会的负担将会相当严峻!

而且: 
新加坡人寿命世界排第一,目前平均年龄接近85岁。现在30多岁的人,预计将来平均寿命92岁。
孩子越生越少,将来子女是靠不上的。

  • 终身护保Careshield Life是什么?

终身护保,其实就是新加坡的国家医保的一部分,属于长期护理保险。

  • 终身护保Careshield Life 保什么?

因残障而无法进行六项日常活动中任何三项的受保者,就可获得每月的护理金。

1.冲凉 2.进食 3.更衣 4.如厕 5.在室内走动 6.从床上坐上椅子或轮椅
 

  • 之前不是有“乐龄健保”Eldershield 了?为什么要推出新的计划?

 2002年推出的乐龄健保计划 ElderShield300, 每月的护理金只有300新币,只可以赔付5年。

2007年调整后的乐龄健保计划 ElderShield400,每月的护理金只有400新币,只可赔付6年。

每月护理金太少,理赔期限太短,如同鸡肋。

  • 在终身护保Careshield Life 计划下,受保人一旦失能,将可以终身领取理赔金。

而且理赔金是不断增长的,2020年的理赔金为600新币,之后逐年递增,以抵消通货膨胀。 
保费全部用公积金保健账户Medisave支付。政府会帮助低收入家庭支付保费。

  • 新的终身护保计划比乐龄健保计划好吗?

肯定的! 
护理金额比之前的高,而且金额逐年递增,可终身领钱!

  • 谁可以加入终身护保计划?

新加坡公民和永久居民PR都可以自动加入。2020年10月1日,年龄在30-40岁的新加坡公民和PR已经自动加入计划。

  •  保费是多少?

保费从30岁开始,一直交到67岁,全部用公积金保健账户Medisave 支付。
保费每年增加2%(首5年),之后增加多少5年后由终身护保理事会决定。
如果在年满30岁时身体已经残障,只需要交第一年的保费,就可以终身领取护理金。 
任何人只要开始领取了护理金,就不需要继续交保费。

  •  如何加入终身护保CareShield Life?

所有在2020年年龄介于30-40岁,都已经在2020年10月1日自动加入了。 
不过年满40岁以上的人士,也可以选择在2021年加入计划。

对于已经在乐龄健保ElderShield受保下的人士,加入终身护保不是强制性的。
不过政府鼓励人们加入终身护保,且提供一些补助。

  • 只依靠终身护保够吗?

和终身健保 Medishield life一样,终身护保 CareShield Life 提供的是最基本的保障。

假设一位30岁的人士在2020年加入计划的:

1年之内重度残疾:每月领取$600的护理金终身

25年后患重度残疾:每月领取$1,000的护理金终身

37年后患重度残疾:每月领取$1,200的护理金终身

以上数据仅仅假设理赔护理金每年递增2%的情况下,实际数字会根据终身护保的条例变化而变化。

新加坡的护理费用,护理疗养院的费用是非常高的,仅仅依靠基本的保障是不足够的。
 
当然护理费用可以享有政府津贴,但津贴毕竟是有限的,而且只提供给低收入家庭。“一人失能,全家失衡”,对于任何一个家庭来说,长期护理都会是一个沉重的负担。

目前新加坡有3家保险公司,都能提供长期护理的加强版。
增强版的保费,每年可以使用公积金里面的$600, 自己,配偶,父母,孩子,孙子,兄弟姐妹

总结
 
终身护保是新加坡政府推出的国家级保险,十分重要。
但最基础的每月赔付还是太少,最好趁年轻健康时,升级到更高的保障。

政府指定了3家保险公司升级:分别是英杰华Aviva、大东方Great Eastern以及职总英康NTUC Income三家保险公司。

究竟哪家保险公司的计划最适合你?想要了解各保险公司最新促销信息?

请联系我哦!

 

|让金钱为你工作 |

联系独立理财规划师

邬宇思(Jolysse Wu)

微信:Yusi_Wo WhatsApp:90088276

 

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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