新加坡 | 新生儿需要买保险吗?

新生儿需要买保险吗?

新手爸妈们常问:「新生儿需要买保险吗?」其实,这得看你们的经济状况。保险的作用是转嫁经济损失的风险。爸妈们需要考虑,如果孩子不幸因为意外或疾病需要治疗,你能负担得起这笔医疗费用吗?你需要保险来分担这个风险吗?如果你还不确定需不需要给孩子投保,看完这篇文章再做决定!

新生儿住院原因

新生儿住院的原因很多,最常见的是「呼吸系统疾病」,比如支气管炎、幼儿哮吼、气喘、流感及肺炎。其他常见的原因还有「感染症及寄生虫病」、「内分泌、营养和代谢疾病」、「消化系统」等。而排名第四的住院原因是「源于周产期的病况」,指的是新生儿因妊娠周数不足、出生体重过低等早产后的并发症。

新生儿为什么需要保险?哪些险种是新生儿必备?

新生儿容易发生病毒感染、呼吸系统疾病等,严重时可能需要住院治疗。为新生儿买保险主要是帮父母们分担孩子的医疗和照护费用,让孩子能受到更高质量的医疗照顾。一般来说,基本的医疗险、意外险、重大疾病险是新生儿的必备险种。

新生儿保险,什么时候买最好?

新生儿保险的最佳投保时机是在胎儿第13周开始。所以建议父母在孩子出生前就规划好保险内容,孩子一出生尽快报户口并完成投保,让保障尽早启动。

新生儿投保要注意什么?

新手爸妈们在投保前需要做好充分准备。宝宝出生前就确定保险需求并做好相关规划;出生时尽快帮宝宝申请IC,并做新生儿公费筛检;取得宝宝身份证号后尽快投保。

婴幼儿需要的保险

婴幼儿和成人一样都有各种疾病、意外的风险,建议投保的险种优先顺序如下:

1、住院险:婴幼儿的免疫系统尚未成熟,有更高的医疗风险,住院险是最重要的,尤其现在许多新型治疗方式都需要自费。

2、意外险:婴幼儿在面对意外时更脆弱,建议父母投保意外险,并选择含烧烫伤、手足口病、意外实支实付的保险产品。

3、重大疾病险/癌症险:虽然婴幼儿的癌症发病率较低,但一旦发生,治疗费用相当昂贵。

4、寿险:寿险的目的是在被保人身故后,留一笔保险金给受益人。若父母预算充足,可以在宝宝出生后投保。

不要忘了父母自己的保障

父母们常有转嫁风险的观念,很多父母会在孩子一出生就投保各种保险。但更需要注意的是父母自己的保障是否充足。作为家中的经济来源,父母比子女更需要保险!


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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