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新加坡必撸的福利 | 终身护保 Careshield Life，再也不怕没人推轮椅

畅谈新加坡终身护保：不止是医保，更是家庭长期护理的坚强后盾！💪🏼🏥

1、什么是终身护保？

终身护保，它并非仅仅是新加坡国家医保的一环，更是家庭长期护理的坚实支持。因为“一人失能，全家失衡”，这是我们现实社会中不得不面对的挑战。

  • 基本保障：CareShield Life为符合条件的申请人提供每月600新加坡元的基本保障金，这是相对于之前ElderShield计划的每月300-400新加坡元的提高。

 

2、为什么需要终身护保？

据报道，65岁健康新加坡人中，约有一半可能面临严重残疾，其中三成以上将长期护理超过10年。这样的长期护理负担对社会来说无疑是沉重的挑战！

与此同时，新加坡人的寿命在全球排名第一，平均寿命接近85岁，而现在30多岁的人，预计将来的寿命甚至达到92岁。这也意味着越来越少的子女需要照料越来越长寿的父母。

终身护保Careshield Life的到来为我们带来了新的希望。对于因残障而无法进行日常六项活动中的任何三项的受保者，他们将获得每月的护理金，包括冲凉、进食、更衣、如厕、在室内走动以及从床上坐到椅子或轮椅。

相较于之前的“乐龄健保”Eldershield计划，终身护保带来了诸多改进。乐龄健保的护理金额度较低，而且仅能赔付有限的年限，几乎可以说是“鸡肋”。而在终身护保计划下，受保人一旦失能，将终身享受理赔金，并且这些理赔金还会随着时间增长，以应对通货膨胀。

对于新加坡公民和永久居民，加入终身护保计划是十分简单的。年龄在30-40岁之间的公民和PR已经自动加入了该计划，保费全部由公积金保健账户Medisave支付。政府还会帮助低收入家庭支付保费，让更多人能够享受到这一重要保障。

 

 

3、为什么要升级终身护保？

终身护保作为基本保障仍然存在一些不足。每月的最基础赔付额度相对较低，远远不能覆盖所有的护理费用。赔付额度只有600左右！

因此，为了更好地保障家庭的长期护理需求，升级到更高级别的保障可能是一个明智的选择。

政府已经指定了三家保险公司提供升级版的长期护理保险，包括Singlife、Great Eastern以及NTUC Income，让人们有更多选择和更多保障。💼🌟

  1. Singlife： Singlife是一家数字化保险公司，致力于为客户提供简单、透明、灵活的保险产品。他们的长期护理保险计划提供了全面的护理保障，涵盖了日常生活的各个方面，如个人生活照料、医疗设备和专业护理服务。Singlife的长期护理保险还提供了灵活的支付选项和额外的附加福利，以满足不同客户的需求。
  2. Great Eastern： Great Eastern是新加坡最大的寿险公司之一，提供多样化的保险产品和服务。他们的长期护理保险计划不仅包括基本的护理赔付，还提供了额外的福利和服务，如家庭护理服务、医疗转运和康复治疗等。Great Eastern的长期护理保险还可以根据客户的特定需求进行定制，以确保他们获得最合适的保障。
  3. NTUC Income： NTUC Income是新加坡领先的保险公司之一，以服务社区和提供负担得起的保险产品而闻名。他们的长期护理保险计划旨在为客户提供全面的护理保障，包括日常生活照料、医疗设备和专业护理服务。NTUC Income还提供了灵活的支付选项和额外的附加福利，以满足不同客户的需求。

 

现在，让我们比较一下Singlife、NTUC Income和Great Eastern这三家提供的CareShield计划的区别：

  1. Singlife：
    • 计划名称：Singlife CareShield Standard和Singlife CareShield Plus。
    • 保障范围：两个计划都提供更好的严重残疾支持，当您无法执行至少两项日常生活活动（ADL）时，Singlife CareShield Plus开始支付严重残疾金，而Singlife CareShield Standard需要至少三项ADL3。
    • 优惠：购买Singlife CareShield Standard或Plus，可享受20%的终身保费折扣3。
  2. NTUC Income：
    • 计划名称：NTUC Income的Care Secure。
    • 保障范围：Care Secure是CareShield Life的补充计划，可提供额外的长期护理保障。当您无法执行至少两项ADL时，将开始支付月度金，同时还提供其他福利，如支持金、抚养金和死亡金4。
  3. Great Eastern：
    • 计划名称：GREAT CareShield。
    • 保障范围：GREAT CareShield是CareShield Life的补充计划，可在残疾时提供终身月度支付。当您无法执行至少一项ADL时，将开始支付月度金，此外还提供一笔一次性支付，可在未来发生不同原因的残疾时再次支付56。

 

总之，这三家公司的计划都旨在增强CareShield Life的保障，但具体的保障范围和优惠可能有所不同。您可以根据自己的需求和预算选择适合您的计划。

 

#新加坡保险

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Jolysse邬宇思

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