新加坡 | 有宝宝后,我们都想给孩子更全的保障

👶有宝宝后,我们都想给孩子更全的保障,虽然我还没有孩子,但是身边很多小姐妹都有了娃,都来找到了我给孩子做保险。

这件事狠狠给我提了个醒,买保险一定要看好保单中的具体条例。因为这次的保险经验,我花了三四天时间把给宝宝买保险的事理清楚了,也给娃安排了新的医疗险。

对于给宝宝买保险这件事,不能说复杂,只能说太复杂!研究了这么多,今天就把我了解到的如何给宝宝买保险的经验,毫无保留分享给宝妈们~ 👩‍👧‍👦

 

1. 医疗保险🏥

医疗保险可以理解为是CPF medishield的有力补充,自费比例控制在5-10%,不用担心孩子看病花太多钱。

住院险主要是针对住院手术的,保额通常高达百万以上。

如果是外国人的话,都要先自己垫钱,然后拿发票去报销。即便买再多份,也顶多是把发票金额全部报销。新加坡的Integrated Shield Plans,综合性的医疗险只能买一份!

 

2. 重疾保险💔

再来说说重疾保险,这个是在发生合同里约定的重大疾病,并达到赔付条件时,直接赔付一笔钱,不用等着看完病,属于一次性赔付给你的那种。

重疾保险的用处是万一发生了重大疾病,家庭经济不允许,赔付的钱就可以保障后续给宝宝看病、出院后康复使用,也可以弥补因为请假或辞职照顾宝宝期间的经济损失,至于怎么用完这笔赔付款,完全由自己支配。

 

3. 意外保险🚑

这个大家都比较熟知了,主要针对的是宝宝成长过程中的意外受伤,像手足口病、磕碰骨折、烧伤烫伤等,意外险能管这些医药费。

 

4. 投资型保险💰

属于经济有余的情况购买的险种,像教育金就是,主要为了保障孩子未来上学深造、结婚生子、安家等,专款专用。

 

给宝宝买保险,每个家庭的经济不同,出发点是不一样的。

比如,有的家庭就只想给宝宝配置一份重大疾病的保障,其他的小病小痛可以社保搞定。有的家庭则考虑宝宝生病多,想配置门诊住院都可报销的保障。

不过,我认为保险不能保证宝宝不生病,它的作用无非是在我们需要的时候帮我们减少经济压力。

 

推荐配置🏅

看了这么多宝宝的投保攻略,如果让我推荐,我更倾向于:医疗+重疾+教育金来给宝宝配置。因为宝宝小,特别是6岁前,真的去医院看病的频率很高,只有medishield远远不够。

 

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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JolysseWu 邬宇思

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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