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了解新加坡重疾险，轻松避开误区

重疾险是维护家庭经济的一个重要保障，特别是现今时代的医疗费用逐渐高昂。它和医疗险功能不同，但两者是互补的特性。

一份合适的保单，不仅能减轻经济负担，还能让我们在关键时刻能放下“心头大石”。那么，在众多产品中，我们该如何做出选择呢？

 

1. 选择分红险（PAR Fund）还是投连险（ILP）？

  • 分红险
    保费统一进入保险公司管理的投资池，收益分为保证和不保证两部分。

    • 适合人群：大多数人，因有保证利益，固定缴费期，终身保障。
  • 投连险
    本质是投资产品，重疾保障是附加险，收益不固定，投资风险由投保人承担。

    • 适合人群：懂投资且愿意承担较高风险的人，可能需要额外注资以维持保单有效。

总结：大部分家庭更适合选择分红险，投连险需要慎重考虑风险。

 

2. 疾病保障范围：早期保障至关重要！

虽然重大疾病的定义由新加坡保险协会统一规定，但不同公司在早期疾病保障上有所不同：

有些公司仅涵盖特定器官的原位癌；
而有些公司则包括所有器官的原位癌。

√ 建议：优先选择保障范围更广的癌症险种，特别是关注早期癌症（Early Stage Critical Illness）。

 

3. 全残保障年限：不容忽视！

不同公司会提供不同的全残保障年限：

有些公司提供终身保障；
有些公司则仅保障到70岁。

√ 建议：优先选择提供终身全残保障的产品。

 

4. 保额倍数：关键时期增加保障！

倍数功能（如2倍、3倍）能提升保额至特定年龄：

例如，投保30万，2倍倍数至70岁，则70岁前保额为60万，70岁后恢复为30万。

√ 建议：在经济条件允许的情况下，选择更高倍数，以确保关键时期有足够保障。

 

5. 保额递增：抵御通货膨胀！

部分保险公司允许保额随着时间增加，

  • 例如，投保30万，30年后保额可能增至45万（非保证收益），但保费保持不变。

√ 建议：优先选择具有递增功能的产品，更好应对未来的经济挑战。

 

6. 保费缴费期、保障期和未来现金价值：明确自身需求！

  • 终身重疾险：缴费期可选10年、20年、25年，保障终身，总保费较高，未来有现金价值。
  • 定期重疾险：缴费期与保障期相同，期限灵活，总保费较低，但未来没提供现金价值。

√ 建议：选择保障到65岁或70岁，满足大多数人的需求。

总结：终身重疾险适合需要长期保障的人，而定期重疾险适合预算有限且更关注特定阶段风险的人。

 

7. 保单对比要“同类对比”原则

  • 仅看保费高低是不够的，这样无法准确评估保单的真实价值。
  • 确保两份保单的保障内容统一，如保额、倍数、保障年限等，再进行对比。

 

最后，选择重疾险时，最重要的是根据自己的实际需求来做决定。选择适合自己的重疾险，能够在关键时刻提供更好的保障和安心。

保障范围、保额、保障年限、保费和未来的现金价值等都需要综合考虑。虽然市面上的产品众多，但只要清楚自己关注的重点，逐步对比，就能找到最适合自己的方案。

如果想了解更多细节或配置适合你的保险方案，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

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 unbiased 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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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