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什么是重疾保险？看完这篇就够啦! Complete Guide to Critial Illiness Insurance in Singapore

重大疾病保险是一种一旦确诊重大疾病，即可一次性赔付的保险计划。它能在你最需要的时候提供经济支持，帮助你应对医疗费用和收入损失。

在新加坡，大多数保险公司提供全面的重大疾病保障，或者专注于三大高发疾病的保障（癌症、心脏病发作和中风）。

👉 1/4的新加坡人可能在一生中罹患癌症！
🔹 男性最常见癌症：结直肠癌
🔹 女性最常见癌症：乳腺癌
📊 数据来源：新加坡癌症协会 

新加坡重大疾病保险的类型

目前新加坡市场上的重大疾病保险主要分为五大类型，你可以根据自身需求选择合适的方案：

1️. 癌症专属保障（Term Cancer-Only）
✅ 适合健康状况不佳、难以投保其他重大疾病保险的人群
✅ 购买流程更简单，部分公司免体检
✅ 全面覆盖癌症所有阶段（包括早期癌症和癌症导致的身故）
⚠ 注意：仅覆盖癌症，不包括其他重大疾病

2️. 单次理赔重大疾病保险（Single-Claim Term Critical Illness）
✅ 保障特定时间段内的重大疾病
✅ 确诊后一次性赔付，保障即终止
⚠ 缺点：通常不包含身故和伤残保障

3️. 定期寿险 + 重大疾病附加险（Term Life with Critical Illness Rider）
✅ 既涵盖身故和全残，也能附加重大疾病保障
✅ 适合希望同时获得身故和重疾保障的人群

4️. 终身寿险 + 重大疾病附加险（Whole Life with Critical Illness Rider）
✅ 保障可覆盖终身，不受年龄限制
✅ 附加分红功能，可累积现金价值，未来可选择退保取现
✅ 适合长期保障需求较强的人群

5️. 多次赔付重大疾病保险（Multipay Term Critical Illness）
✅ 可多次申请赔付，涵盖疾病的不同阶段或复发情况
✅ 适合希望更全面防范疾病多次复发的人
⚠ 缺点：保费比单次赔付计划高出约50%

哪款重大疾病保险最适合你？

🔹 健康状况不佳/已有既往病史 → 选择 癌症专属保障（Tiq Cancer, HSBC Cancer Recover）
🔹 预算有限，希望简单保障 → 选择 单次理赔计划（HSBC Term Protector, Singlife Elite）
🔹 希望拥有多次理赔权益 → 选择 多次赔付计划（Singlife Multipay Critical Illness）
🔹 追求终身保障与储蓄功能 → 选择 终身寿险 + 重大疾病附加险（AIA Guaranteed Protect Plus, FWD Life Protection, China Taiping i-Secure Legacy, Singlife Whole Life Choice, Income Complete Life Secure）

重大疾病保险 VS 健康医疗险，有必要一起买吗？

❓ 我已经有健康医疗险了，还需要重大疾病保险吗？

🔹 健康保险（如住院/意外医疗保险）→ 主要用于报销住院费、手术费、药物费
🔹 重大疾病保险 → 在确诊疾病后一次性赔付，帮助弥补收入损失

✅ 二者互补，不能相互替代！
✅ 即使你有健康保险，也应考虑额外配置重大疾病保险，以应对生病期间的收入损失和家庭开支

查看更多：如何选择健康医疗保险

购买重大疾病保险前，需要考虑哪些因素？

🔹 预算优先级：

  • 如果预算有限，建议优先购买健康保险（住院医疗险），再考虑重大疾病保险

🔹 保障范围：

  • 重大疾病保险比癌症专属保险覆盖范围更广，能提供更全面的保障

🔹 个人病史：

  • 如果你的家族病史有癌症、心脏病等疾病，建议选择涵盖这些疾病的保险

🔹 保单续约条款：

  • 长期固定保费更划算，避免因年龄增长导致保费上涨

重大疾病保险，买多少保额才够？

保险专家建议：
🔹 重大疾病保险 = 5年年收入（或5年家庭总开销）
🔹 早期重大疾病保险 = 2年年收入（或2年家庭总开销）

这样可以确保即使患病无法工作，依然有足够资金支撑家庭生活开支。

结论：为什么你需要重大疾病保险？

✅ 新加坡1/4的人一生中可能患癌，未雨绸缪是关键！
✅ 健康保险只能报销医疗费，但不能弥补因患病导致的收入损失
✅ 选择适合自己的重大疾病保险，确保未来财务无忧！

📌 想要了解更多？欢迎联系Katrina获取专业报价！ 

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.

Published By:

Katrina Cao Shaoxin曹少辛

大家好！我是Katrina，新加坡南洋理工大学研究生毕业，在会计、人事及运营领域深耕9年。这些年，我积累了丰富的行业经验，曾在对外贸易公司、零售业以及初创公司担任重要岗位。

如今，我是一名专业的独立理财顾问。我始终秉持“客户至上”的理念，致力于为客户提供个性化的资产与保险规划方案，帮助他们实现财务自由与财富增长。

我的专业领域包括：

  • 外国人及新移民在新加坡的资产与保险配置。
  • 出海出创企业的财产保险及员工福利配置。

我还热衷于教育，尤其推崇IB素质教育体系。我相信学习应从兴趣出发，在“玩中学”中激发孩子的求知欲与主动探索精神。希望与有相同理念的家长共同探讨教育经验，让孩子在快乐中成长。

欢迎来到我的博客，和我一起探讨财务规划及企业保险规划等话题！

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  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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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