新加坡 | 不同年龄阶段如何买保险?

幼儿期:

幼儿保单首要之务是建立完善的医疗保障,让小孩在生病或意外危害健康时,也不用担心医疗支出,能够平安长大。父母一定要记得,处理小孩保单之前,务必先规划好自己的保单!

寿险:❤

婴幼儿因为没有家庭责任,所以不需要重点规划寿险保障。

重疾险:❤❤❤

年纪小时,购买与健保重大伤病卡对应的定期重大疾病险不算贵,可以投保一些保额,保障各种疾病。一旦发生,未来的困境可能非常漫长。如果预算不足,建议先买定期险,既便宜又有足够的保障,等经济充裕或小孩长大后再考虑终身保单。

意外险:❤❤❤❤

保费便宜且保障高,意外险的实支实付和重大烧烫伤理赔都应该具备。

住院险:❤❤❤❤

最重要的是医疗费用能够实支实付,让保障额度更充足。

 

未婚族:

利用保单转嫁风险以避免拖累家人,如果有父母需要照顾,同样要规划好各类保险的额度。

寿险:❤❤
虽暂时没有孩子,但仍有长辈或其他亲人需要照顾,因此需投保一定额度的寿险。35岁以内建议选择定期寿险,较为便宜,保障充足又不会影响生活质量。

重疾险:❤❤❤❤
严重的疾病或意外可能导致无法工作。一旦罹患癌症,医疗费用高昂。可根据家族疾病史来选择保单。如果预算充足,建议选择保障范围更广的重大疾病险。这个时候可以开始考虑购买终身保单,确保额度充足是关键。

意外险:❤❤❤
保费便宜、保障高。可以考虑寿险意外险,保障全面且不用担心续保问题。

住院险:❤❤❤❤
医疗费用能够实支实付是最重要的。建议购买两份医疗险,双重理赔,让保障额度更充足。

 

家庭支柱:

身为家庭支柱,是最需要通过保单来规划人生各种风险的群体,每项保险的额度都必须精心计算。

寿险:❤❤❤❤❤
寿险最能代表家庭责任的重要性。如果自己不在了,为了确保心爱的家人和孩子能够继续过上稳定的生活,寿险额度应该仔细计算,确保能提供足够的经济保障。

重疾险:❤❤❤❤
作为家庭经济支柱,重疾的额度一定要充裕。万一罹患癌症,可以安心接受治疗,而不用担心经济压力。

同时,严重的疾病和意外都有可能导致失能。购买终身保单可以确保长期扶助金足够,以应对未来可能出现的困难。可根据家族病史来选择重大疾病险。如果预算充足,建议选择保障范围广泛的重大疾病险,确保能应对各种潜在的健康风险。

意外险:❤❤❤❤
保费便宜且保障高。除了寿险公司的意外险保单外,还可以根据自身家庭需求,从财产险商品中选择各种大大小小的保障,以完善家庭风险管理。

住院险:❤❤❤❤
最重要的是医疗费用能够实支实付,为未来提供更全面的保障。

 

老年期:

子女长大后,家庭责任减少,首要课题是为疾病和失能做好规划。由于保费随着年龄增长而变贵,尽量在中年时就安排好各种保险。

寿险:❤
随着年纪增长,寿险需求减少,但仍可提早购买小额保单,用于身后事的保障。

失能/长期照护险:❤❤❤❤
由于保费越早买越便宜,建议尽快升级,确保扶助金额充足,以应对未来可能的失能风险。

意外险:❤❤❤❤
年老后依然有可能发生意外,且对意外的承受能力更弱,因此保费便宜的意外险绝不可少,保障意外医疗和赔付。

医疗险:❤❤❤❤
建议购买实支实付型的医疗保单,特别要注意手术费用及杂费的额度是否充足,以确保年老时能获得充分的医疗保障。

重疾险:❤❤❤
老年时患癌的风险大幅提高,这时保费较高,最好在壮年时提前规划好。以避免增加子女和配偶的负担。如果未做规划,可根据自身情况及家族病史选择适合的保单,建议与寿险搭配使用,形成全面保障。

 

I’m JolysseWu 😊, I’m a independent financial adviser, thank you for being part of this journey! 💖

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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/.

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