重疾险 VS 医疗险

很多人常常把重疾险和医疗险混为一谈,认为它们是同一种保险,或者认为买一个就足够了。但其实,它们在保障内容上有很大不同。下面是重疾险和医疗险的六大区别,帮助你更清楚地了解这两者的不同之处。

在新加坡,重疾险(通常被称为重疾人寿险Critical Illness Insurance)和医疗险(通常被称为住院险综合健保计划,如Integrated Shield Plan)是两种常见的健康保障保险,它们之间有很大的区别。为了帮助你更好地理解这两者,我们来看看它们的主要差异。

 

1.保障范围

  重疾险

保障重大疾病的风险(如癌症、心脏病、中风等),一旦确诊为这些重大疾病,保险公司将支付一次性赔付金,帮助应对治疗费用或生活开支。

  医疗险

主要用于报销住院和手术费用,包括相关的门诊治疗,并按实际账单进行赔付。

重疾险 VS 医疗险 — Engage

 

2. 保费差异

  重疾险

保费与投保时的年龄相关,投保时设定的保费固定,不会因为年龄增长而逐年上涨。

  医疗险

保费是根据投保时的年龄,所选医院以及保障方案来确定的;随着年龄的增加,保费会逐年上升。

 

3. 保障对象

  重疾险

特别适合家庭的主要经济支柱,尤其是那些有家庭责任(如需要赡养老年父母、抚养孩子或照顾配偶)的朋友。重疾险能提供一笔一次性赔付,保障重大疾病发生后,家庭的经济不至于受到过多冲击。

  医疗险

每个人都需要配置的基本保险,因为每个人都有可能面临生病或住院的风险。

 

4. 该设定多少保额?

  重疾险

建议保额至少覆盖5年的年收入,因为重大疾病的恢复期通常需要5年,这笔资金将帮助您在治疗期间安心养病,而无需担心生活开销。例如,如果年收入为10万新币,建议选择50万新币的重疾险保额。

  医疗险

医疗险的保额由保险公司根据所选医院级别和治疗项目来设定,最高保障金额可以达到每年200万新币。

 

5. 购买重疾险和医疗险时应考虑的因素?

选择重疾险时,需要关注以下三点:

I. 终身保障(Whole Life)vs定期保障(Term Life)

  • 选择不同的保障期限,终身保障提供持续的保障,而定期保障则只在一定期限内有效。

II. 有现金价值vs无现金价值

  • 一些重疾险产品具有储蓄功能,可以在一定年限后提取现金价值,而纯消费型人寿险则没有此功能,主要是提供保障。

III. 疾病阶段

  • 不同产品对于早期、中期和晚期重大疾病的保障内容不同,选择时要关注产品对不同阶段的保障力度。

 

选择医疗险时,需要注意以下两点:

I. 国籍

  • 新加坡公民和永久居民(PR)已自动拥有MediShield Life,可以选择升级为综合健保计划(Integrated Shield Plan)。
  • 外国人则需要直接购买综合健保计划(Integrated Shield Plan)。

II. 医院选择:

  • 私人医院计划将为你提供私人医院和公立医院的保障。
  • 公立医院计划主要涵盖公立医院的服务。如果后期选择在私人医院治疗,保险公司将按照公立医院的比例进行报销(按比例计算)。

 

6. 理赔程序

  重疾险无论您身处哪个国家,只要有医生提供的英文版证明,均可向保险公司申请理赔,保险公司会一次性支付赔款给受保人。

  医疗险新加坡公民和永久居民可以通过电子申请系统(e-filing system)进行住院注册,无需先支付医疗费用。外国人则需要先自付医疗费用,之后向保险公司申请报销;或者可以申请医疗担保信(Letter of Guarantee)进行住院治疗,避免预付医疗费用。

 

最后,这两种保险是互为补充的,不能只选择其中一种就认为足够了。保险的目的在于帮助你在突发疾病或意外发生时,不至于感到慌乱。通过将一小部分收入用于购买保险,你可以将重大疾病的风险转移给保险公司。做好基础保障,让你能够专注工作,安心生活。

如果预算有限,建议可以先考虑购买医疗险。此保险具有高保额、低保费和全面的保障内容。尽管它可能设有免赔额,但对于一般疾病的住院治疗也有保障,因此是一项非常实用的选择。

 

若想了解更多两者间的差异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 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:

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,達到8位數字。

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。

你可以在微信視屏號,小紅書,IG , YouTube, FB 找到我哦. 都是統一名字: 馬丁的悄悄話。

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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