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在新加坡，公司员工险不能代替私人住院险

 有了公司员工险，还需要自己再购买住院险吗？

 

在我们工作中，经常会遇到客户认为，公司已经给我购买了员工保险，所以我现在不需要自己再去购买一份住院险了。那么我们今天就来聊聊这个话题，之后呢，你自己再考虑到底应不应该再买一份自己的住院险。

 

员工医疗险和私人住院险就保障范围来讲是有部分重叠的，比如都可用于支付住院费用，手术费用。所以，有的朋友，尤其是刚到新加坡生活的朋友，大概会认为如果两个保险都购买的话，可能是浪费钱。但是员工险有以下几个特性，你需要仔细考虑。

  1. 员工险具有时效性

员工险，顾名思义是要做为公司的员工，你才会享受这个公司提供的福利。当你离开公司后，员工险当然就会不复存在了。

离开公司有两种情况，第一是跳槽，第二是退休。无论是跳槽还是退休后，员工险都失效，需要新的保险来保障。

如果是跳槽离开公司，那么是由新公司提供的员工险来代替，如果新公司不提供员工险，则自己需要购买。或者两份工作之间有一个间隔期，这期间的保障也是需要自己来负责的。

如果是退休离开公司，则是需要自己购买一份住院险，因为年龄越大，我们使用医院的服务可能性会越大。

所以私人的住院险是一个早买或者晚买的问题而不是一个买还是不买的问题。

  1. 员工险的灵活性

这一点我们来举例说明。比如某员工在入职A公司前身体健康，因此他可以享受A公司的员工保险。但在其入职后不幸确诊了糖尿病，那么从确诊的那一刻起，他便没有办法投保于除A公司员工险以外的保险产品了。而此时若更好的公司B有意于聘请该员工，但由于他已经患有糖尿病，B公司的公司保险就不会提供其相应的保障了。这意味着，该员工必须在自己唯一的保险保障与更好的工作机会之间做出选择了。由此可见，公司保险的灵活性较差，如果我们选择仅仅依靠公司保险，那意味着我们就需要和公司死死的绑定，还要保证不被裁员。

  1. 员工险的保额大小，是否足够？

员工险的保额是有大小额度可以选择的，不同的公司为员工购买的保额大小是不一样的，可以从每年几万到每年200万，这个保额大小是公司的选择，员工不能决定自己买多大的保额。众所周知，新加坡的医疗费用是相当昂贵的，一个小小的阑尾炎手术账单可以轻易上万，所以你需要了解清楚自己公司的员工险保额是多少，不要在真正需要使用时，才发现保额完全不够支付医疗费用，如果这时候自己有一份私人的住院险，就可以由这份私人住院险来承担多出的部分。如果没有私人保险的话，那就只能由自己的银行存款来承担了。

  1. 私人的住院险不是你什么时候想购买就能够购买得到的

这可能是大部分朋友没有想到的一个问题。

购买健康类保险，首先就是要做健康告知。如果你是等到退休后，目前新加坡是63周岁，你等到63周岁之后才购买私人住院险的话，在进行健康告知时，你是否还能够很自信自己的健康状况，没有任何一点异常。比如一个乳腺上的结节，一个肾脏上的囊肿，血压血脂稍微偏高，这些小问题一点也不影响正常的生活，但是它们在保险公司的核保团队那里统统都会是一个问题，要么会做为一个排除项，要么会增加保费，最糟糕的结果是被拒保。

所以保险不是你想买就能买到的，而是只有当你还健康的时候才有资格买，保险也不是为你现在买，而是为你将来买的。

那么结合以上几点考虑，您再决定自己是否应该趁年轻还健康的时候买一份自己的住院险。

关注我，让我们一起关注财富健康!

 

 

 

 

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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马静 Jasmine

Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

Effective financial planning is the way towards financial freedom and ultimately towards the freedom of time in your life.

I’m looking forward to getting to know you personally and strive towards helping you planning your financial needs to grow your wealth portfolio and achieve financial freedom.

您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

我坚信：财务自由，则可以时间自由；时间自由，则心灵自由；心之自由，才是生命之大自由。

请让我陪伴您这一段意义非凡的通往财富自由之路的旅程！

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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