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在新加坡，小孩子需要购买重疾险吗

我们大家都知道重疾险实际上是一种收入损失的替代，它保障的是被保人在因为身患重疾无法工作时所产生的收入损失。那么小孩子本身是不工作的，没有为家庭带来收入，所以也不存在收入损失这一说。

  1. 如果只是考虑到收入损失替代的话，因为小孩确实没有为家庭带来收入，如果只是考虑这一个维度的话呢，小孩子是不需要购买重疾险的。

 

  1. 但是我们再换个角度，从现实情况出发。一个家庭，如果孩子生病了，父母为了照顾小孩，通常情况是需要一个大人辞职来全职照顾孩子的，那么这个辞职的大人，她的收入损失由什么来替代呢？如果这时候小孩子有一份重疾险，那么就可以用来帮助大人因为辞职照顾孩子产生的收入损失，那么家庭的负担是不是就会大幅减轻呢？

 

  1. 我们再想想看，随着孩子的长大成人，他今后人生之中是不是迟早都会用到重疾险呢，所以应该买。那为啥不等孩子长大了自己去买呢？ 因为孩子小的时候买便宜啊。重疾险保费是根据投保时的年龄来计算的，投保年龄越小，保费就会越便宜。尤其是保障终身的重疾险，孩子小，买起来便宜。10年20年的缴费期完了，孩子也长大了，这份保险送给孩子，就可以做为孩子一生保障的一个打底。孩子长大了，可以再根据他自己的需要和能力去补充购买。

 

  1. 我们如果购买的是终身重疾险，那么这个保单是有现金价值的，年龄小购买，就意味着投保时间长，那么这张保单今后的现金价值也就会越高，换个说法就是，今后如果要退保，这张保单因为现金价值高，在退保时拿回来的现金也就越多。

 

所以啊，如果有条件的家庭，尽早给孩子配备一份重疾险也是非常必要的。

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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