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新加坡PR和公民的医疗保险 (Medishield Life & Integrated Shield Plan) – Medishield Life 是什么？

在新加坡生活，医疗保障是每个人都关心的问题。作为公民或PR，你的首要医疗保险是什么？它足够保障你和家人的医疗开销吗？今天，我们就从 Medishield Life 和 Integrated Shield Plan (IP) 两大核心内容，带你全面了解。

1. 什么是 Medishield Life？

Medishield Life 是新加坡政府强制要求所有公民(Citizen)和永久居民(PR)必须购买的终身健保计划。它的保费直接从你的公积金保健储蓄账户（CPF Medisave Account） 中扣取。

保障范围：

  • 公立医院(Government and Restructured Hospital) 的 B2 和 C 级病房（多人间）的大部分治疗费用。
  • 一些重大疾病的非住院治疗，例如癌症化疗、洗肾透析等。

注意事项：

如果你选择去私立医院或公立医院的高档病房，由于报销上限(claim limit)，最终只能报销一小部分费用（Pro-rated Factor）。

2. Medishield Life 的保费是多少？

保费随年龄增长而增加，具体可以参考下图或 Medishield Life 官方网站。

新加坡PR和公民的医疗保险 (Medishield Life & Integrated Shield Plan) - Medishield Life 是什么？ — Engage

3. Medishield Life 保障够用吗？

Medishield Life 每年的理赔上限 (Annual Claim Limit) 为 $150,000，适合基础医疗需求。具体可参阅MOH官方网站。

但如果你希望：

  • 住公立医院的 A 或 B1 级病房（单人间/四人间）。
  • 使用私立医院服务 (Private Hospital）

那么，Medishield Life 就可能无法满足你的需求，这时你需要升级购买综合健保计划 (Integrated Shield Plan, IP)。

4. 什么是 Integrated Shield Plan (IP)？

IP 是综合健保计划，在 Medishield Life 的基础上，增加由私人保险公司提供的保障，覆盖更高医疗费用。

IP 的结构（参阅下图）：

  1. MediShield Life：覆盖基础医疗保障。
  2. 主要保险 Main Plan/Integrated Shield Plan：报销更高级病房或私立医院的医疗费用。
  3. 附加险（Rider）：降低免赔额（Deductible）和共赔额（Co-insurance），减少看病时需自付的费用。

新加坡PR和公民的医疗保险 (Medishield Life & Integrated Shield Plan) - Medishield Life 是什么？ — Engage

报销额度对比：

  • MediShield Life：最高报销 $150,000/年。
  • Integrated Shield Plan：报销额度可提升至 $500,000 至 $2,000,000/年，极大减轻高额医疗负担。

支付方式：

  • MediShield Life 和主险/IP：可用 Medisave 支付（受限额限制）。
  • Rider和额外的主险保费：需用现金支付 (Cash/Credit Card).

5. Medisave 足够支付保费吗？

  • MediShield Life 的保费：完全可以通过 Medisave 支付。
  • IP 的额外主险(Main Plan) 和附加险 (Rider)部分：Medisave 可支付，但每年的取款限额 (Annual Withdrawal Limit)如下：
    • 40 岁及以下：$300
    • 41 至 70 岁：$600
    • 71 岁及以上：$900
      超出部分需要现金支付。
    • 也可以用这个额度帮自己的伴侣和孩子支付他们各自的 MediShield Life. 

6. 家人（配偶/孩子）的 Medishield Life 保费可以用我的 Medisave 支付吗？

可以！Medisave 每年的额外支付额度可以用于支付配偶和孩子的保费。

例如：两夫妻都是35岁，孩子5岁。按照以上的每年取款限额，

  • 丈夫 $300 + 妻子 $300 + 孩子 $300 = 总额 $900。

7. 刚拿到永居 PR，之前买的住院险怎么办？

如果你之前持有 EP 时购买了住院险：

  1. PR 获批后，你会收到一封 MediShield Life 生效通知信。
  2. 提供这封信给你的保险经纪，他们会协助更新你的资料。
  3. 保险公司会退还多付的保费，并重新安排你的 IP，以便保费通过 Medisave + 现金支付 (Cash/Credit Card)。
  4. 如果 Medisave 余额不足，你需要充值以支付保费。
  5. 如果你丢失了你的 Medishield Life 生效通知信也没关系，可以登陆你的公积金网站 CPF Website > Health Insurance > Medishield Life。这样你就看到你 Medishield Life 的生效日期了。

8. 医疗险和重疾险(Critical Illness Insurance)有区别吗？

这两项保险虽然都提到保障 “生重病的时刻”，但是他们的保单结构、保障范围和理赔程序都不同。可参阅此文章了解更多。

 

9. 新加坡哪家保险公司提供Integrated Shield Plan产品？

新加坡的保险公司众多，能够提供个人医疗住院险的保险公司主要有以下几个（但不限于）：

这么多家，一定要货比三家找到最适合你自己的需求和预算。我可以为你对比哦。

 

总结：

  • 终身健保计划 （MediShield Life）：基础保障，覆盖基本医疗开销。
  • 综合健保计划 （Integrated Shield Plan）：适合追求更高医疗保障、住私立医院或高级病房的人群。
  • 附加险（Rider）：为减少自付费用提供便利，但需额外现金支付。

无论你在新加坡持有什么身份，都应根据自身需求选择适合的保险计划，除了这份保险，在新加坡定居还需要其他的保险，可参阅此文章。确保医疗保障到位，让生活更安心！

想了解你的保障需求/获取个人化报价？随时联系我吧！

📞 WhatsApp: +65 86802340
💬 微信 WeChat: lidwinabq

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:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

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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.

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