新加坡保险测评|INCOME Critical Protect 值得买吗?

🌏 适用区域:新加坡
🧑‍💼 推荐对象:30-50岁,有家庭责任/收入支柱/曾经历亲友患病的职场人士
📌 推荐指数:⭐⭐⭐⭐⭐(5/5)


💡 产品亮点总结:一句话评价它

不是单次赔完就结束的传统重疾险,而是覆盖158种疾病、全阶段、多次赔付的“战斗型”重疾险。


✅ 测评维度一:保障范围够广吗?

✅ 158种疾病全阶段保障
从早期癌症到晚期、再到复发,以及心脏、肾脏、肺功能衰竭等,都纳入理赔范围。
还涵盖常被忽略的:

  • 良性肿瘤 & 边界恶性肿瘤

  • 心脏支架、动脉治疗

  • 基因/细胞治疗、质子束治疗

  • 儿童/青少年罕见疾病

🌟 亮点:Protect Max计划下,最多可理赔10倍保额,总赔付上限高达1000%!


✅ 测评维度二:赔付机制清晰吗?容易拿到理赔吗?

✅ 多次赔付机制(Protect Max)

保障项目 Protect Max
初期/中期重疾 每次100%保额,最多6次
晚期重疾 200%保额(一次)
同病复发 每次100%,最多3次
心肺肾器官功能衰竭 200%保额
特殊保障(支架、良性肿瘤等) 20%~30%,每项最高S$30,000

🔄 只要疾病之间间隔12~24个月,就能再次索赔,不是“一次性买断”的保险!


✅ 测评维度三:客户痛点能解决吗?

📍 常见痛点一:癌症治疗要好多年,怎么办?
👉 它可以支持同一疾病不同阶段的赔付+复发赔付+疗程赔付,真正陪你走完整个治疗过程。

📍 常见痛点二:中途确诊后,没保险能买了怎么办?
👉 附带Guaranteed Post-DD Option,晚期重疾后还能无体检再买新的定期寿险,继续保住家庭责任!

📍 常见痛点三:怕浪费保费,缴了没用上怎么办?
👉 虽无现金价值,但提供高度理赔机会 + 多阶段保障 + 多次理赔,适合用于「战斗期 vs 回归生活」交替的阶段。


📊 实例分析:用真实案例带你看清保障

👨‍⚕️ 客户 John,30岁,买 Protect Max,保额 S$100,000
他先后经历:

  1. 早期血癌(赔 S$100,000)

  2. 心脏功能受损(赔 S$200,000)

  3. 接受细胞治疗(赔 S$20,000)

  4. 癌症复发(赔 S$100,000)

  5. 晚期痴呆(赔 S$200,000)

✅最终共赔付:S$720,000

📌 在新加坡这种医疗高消费国家,真实生活中就是要这种“能赔够久”的保险。


🤔 谁适合买这款保险?

人群 是否推荐 原因
年轻单身,无家庭责任 性价比不高,可先选便宜的定期
已婚有子,担心家人无依靠 ✅✅✅ 保障全、赔付多、家庭友好型
曾经家人患重疾,想加强保障 ✅✅✅ 可规划多次赔付+疗程理赔组合
自雇者 / 高风险职业 ✅✅ 防止失去收入来源后的断层危机

🏆 我对这款产品的评价:

🔹 全面性:★★★★★
🔹 灵活性:★★★★☆
🔹 赔付强度:★★★★★
🔹 长期价值:★★★★☆
🔹 适合新马人群:★★★★★

这是一款对“人生真正经历风浪”时依然能持续守护的重疾险。不怕确诊,不怕复发,不怕多病种,真的很适合把它当作主力保障来配置。


虽然 Complete Critical Protect 是一款非常全面的多次赔重疾险,但没有完美的保险,它也有一些潜在的缺点或注意事项。

🔍Complete Critical Protect 的可能缺点与局限

1️⃣ 没有现金价值,不能退还保费

这是一张纯保障型保单不是储蓄险
📌 也就是说,如果在保障期间都没有出险,保单到期后不会返还任何保费。

❗ 适合把保费当“保障支出”,而非投资累积。

2️⃣ 保费较高,特别是 Protect Max(多次赔)版本

Protect Max 提供高达 10倍保额赔付机制,但对应的保费也明显高于市面平均水准,特别是选择保障至 84 或 100 岁时。

📌 对于预算有限的年轻家庭,可能不易负担高保额方案。

✅ 建议:可考虑先买中低保额打底,搭配其他便宜定期险辅助。

3️⃣ 部分理赔项目有时间间隔限制

例如:

  • 复发赔付(Recurrent Benefit):需与上次重疾赔付间隔 24个月以上 才能理赔

  • Vital Function Benefit 与其他赔付间隔亦设有 12个月限制

📌 所以,如果多项疾病在短时间内接连发生,可能只会赔其中一项金额较高的。

❗ 虽然机制合理,但实际理赔时客户要有心理准备。

4️⃣ 保障设计复杂,非专业人士难理解

与一般重疾险不同,这款产品有:

  • 多阶段 + 多种附加利益

  • 各种间隔期、理赔上限、复发定义

📌 若没有专业顾问引导,客户可能会误解理赔逻辑或预期落空

✅ 建议:强烈推荐搭配专业顾问讲解+图解说明(你就可以在这里体现专业价值💼)

5️⃣ 保障期限最长至100岁,不能保障终身遗产规划

虽然保障期最长可选至100岁(last birthday),但仍不具备终身身故赔付 + 现金传承功能。

📌 如果客户希望顺便做财富传承、或以保单留遗产,可能需要搭配终身寿险(Whole Life)产品。


📩 想试算看看自己大概要多少钱保额?欢迎私讯我!

如果你也想给自己一个有底气的未来,无论癌症、心脏病、还是中风来袭都能撑住,我很乐意陪你从需求出发,一步步设计适合你的保障计划😊

我是 Jolysse 邬宇思,新加坡独立理财顾问,帮助新马家庭打造稳健保障与高效率投资方案💼

✨ 欢迎私信 / WhatsApp / 安排线上聊聊

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 unbiased 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.

Published By:

JolysseWu 邬宇思

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您好。我是宇思,您也可以叫我Jolysse。

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