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新加坡保险，配好这5个=穿上盔甲横行霸道！

多数人都知道在新加坡保险很重要，但并不是很清楚什么保险是最重要的？

有些人每年交了不少保费，但配置的理财型的保险占了大多数，保障型的却不足够。时间长了，自己都不清楚到底买了什么保险。

配置保险主要的目的是为了保障，为家庭财务的安全建立护城河。

在新加坡生活最重要的5个保险: 

  • 医疗保险
  • 重疾险
  • 人寿保险
  • 意外保险
  • 终身护保 （长期护理保险）

 
1. 医疗住院手术保险：医疗保险是在新加坡最最重要的保险
  
每一位新加坡公民或永久居民都会在基本的医保体系下受到保障，那就是MediShield life 终身健保。 
它保障了在公立医院，B2 和 C 级病房的大部分的医疗费用。

不过，如果你要是想要更好的住院条件，保障在公立医院的B1 或者A级，或私立医院，Medishield Life 就不够用的了。
这也就是Integrated Shield Plan IP 的作用了。IP是在国家的基本医保的基础上，由商业保险公司提供更好的保障，是在终身健保计划上的升级。

好处是：
a. 每年的理赔金额的顶限大幅提高。
b. 如果加上IP 的rider 附加险，自付额度也会减少，最多可以理赔到95%的医疗费用。

 
Medishield life 可以用公积金缴交；IP 的部分费用也可用公积金。

 

2. 重疾险
  
重疾险不同于医疗保险，医疗住院险是在住院和手术时，能够理赔住院费用，实报实销； 
而重疾险保障的是，一旦确诊了重大疾病发（例如中风，心脏病，癌症等的重大疾病），可以一次性理赔一笔理赔款，帮助患者和家庭度过难关。 
重大疾病险的保费是按照进入的年龄计算的，年龄越大，保费越贵.所以尽早配置一份重大疾病保险是非常有必要的。

 
重大疾病保险配置多高的保额为好呢？ 
一般上建议，重大疾病保险的保额配置到5年以上的年收入为宜。例如年收入为8万新币，至少要配置到40万保额的重疾险。

为什么呢？ 
这是因为一旦患上重大疾病，一般上的恢复期为5年。有了理赔款，可以不用忧虑收入问题，减轻工作压力，改变生活习惯，安心调养。

 
3. 人寿保险
  
对于有家庭有小孩的人士，人寿保险尤其重要！

相对于重疾险，人寿保险也比较简单，因为它只保障身故，多数人会再加上一个全残保障的附加险。
人寿保险一般上建议，保额要设定在家庭年收入的10倍。如果年收入10万，那么配置一个100万保额的人寿保险是比较合适的。

新加坡的定期寿险的保费，相对于其他国家和地区是非常有竞争力的，只要年龄不要太大，保费都还是可以接受的。 
再有一点，重疾险和人寿保险，无论人在不自在新加坡，都是会受到保障的。比如在新加坡配置了重疾险和人寿保险，将来去了其他国家工作生活，保险是一直有效的。

4.意外险

意外保险保障的是因为意外造成的身故和医疗费用。

比如，如果因为意外跌倒骨折，但又不够住院的条件，那么医疗住院险是不能理赔的。这时候意外险就起作用了，医疗看诊，X 光等检查费用，这时候都可以用意外保险来理赔。

 
5. 终身护保 CareShield Life
  
年满30岁的新加坡公民和永久居民，就会自动加入到终身护保，是新加坡的国家医保的一部分，属于长期护理保险，保费可以用公积金来支付。
“一人失能，全家失衡。”

这是现实的社会，家庭中要面对的实际困难。

终身护保Careshield Life 保什么？

 1.冲凉

 2.进食

 3.更衣

 4.如厕

 5.在室内走动

 6.从床上坐上椅子或轮椅

 
因残障而无法进行六项日常活动中任何三项的受保者，就可获得每月的护理金，直到终身。 
不过，新加坡的护理费用，护理疗养院的费用是非常高的，仅仅依靠基本的保障可能是不够的。

目前新加坡有3家保险公司，都能提供长期护理的加强版，每年最多可以使用公积金$600 来支付加强版的保费。

以上新加坡保险最重要5个类别，配置保险一定要比对，做好选择，联系独立理财顾问。

 
让金钱为你工作 |

联系独立理财规划师

邬宇思（Jolysse Wu）

微信：Yusi_Wo WhatsApp：90088276

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