一文看懂新加坡住院医疗保险:谁能买?保什么?怎么避坑?超详细攻略来了!

新加坡住院医疗保险全攻略:Medishield Life/IP计划区别、保障范围与购买建议

新加坡医疗费用高,住院医疗险是否有必要买?本篇详解Medishield Life与IP计划的区别、保障内容、准证持有者是否能购买,以及常见理赔误区,帮助新移民家庭选对适合的医疗保障方案。

在新加坡生活,最怕突如其来的“医疗账单暴击”!特别是新移民、有娃家庭或留学生,一次急诊、一个手术分分钟上千新币起跳……所以,住院医疗保险真的不是“可有可无”,而是新加坡生活的“标配刚需”。

今天这篇文章,我们就来全方位拆解新加坡的医疗住院险——

  • ✅ 新移民/持准证人士能不能买?

  • ✅ 医疗住院险和重疾险有啥区别?

  • ✅ 什么是Medishield Life & Integrated Shield Plan(IP)?

  • ✅ 新加坡看病到底多贵?保险能报多少?

  • ✅ 哪些坑点要注意?哪些人特别建议买?

放心,干货满满但看起来一点也不“烧脑”,一篇读懂不踩坑~

🧩 医疗险和重疾险,傻傻分不清?先来区分两个常见险种

很多人会把 医疗住院险重大疾病险 搞混,其实它们的保障逻辑完全不同:

类别

医疗住院险

重疾险

保什么

医疗账单(实报实销)

一次性赔付保额(如50万新币)

适合谁

居住在新加坡的准证持有者、公民、PR

所有人,包括外国访客

赔付条件

住院或手术等医疗行为发生

一旦确诊重大疾病即赔

购买要求

通常需要合法准证

外国访客也可购买

举个例子
小张突发阑尾炎住院动手术花了S$12,000,医疗险可以实报实销(根据条款最高赔95%);
小李确诊癌症,符合重疾险条款,可以一次性获赔S$300,000的保额。

🔗 延伸阅读:一文了解新加坡重疾险(Critical Illness)

🧬 新加坡的住院医疗险体系:Medishield Life + IP计划

在新加坡,本地人的医疗保障制度是“双层结构”:

1️⃣ Medishield Life(终身健保计划)

  • 适用人群:新加坡公民与永久居民(PR)
  • 覆盖范围:政府B2/C级病房的基础医疗费用
  • 保费支付:从公积金的保健储蓄账户(Medisave)中自动扣除
  • 承保机构:新加坡中央公积金局(CPF Board)

📌 注意:Medishield Life无法选择私立医院或高等级病房

2️⃣ Integrated Shield Plan(综合保健计划,简称IP)

  • 谁可以购买?
    ✅ 公民/PR
    ✅ 准证持有者(EP、SP、DP、学生证、LTVP、陪读准证等)
  • 由谁承保? 商业保险公司
  • 可选择
    • 公立医院的A/B1级病房(单人/四人间)
    • 私立医院高端保障

多数人会在Medishield Life基础上,额外加购IP计划,以获得更全面的医疗保障。

💰 看病到底有多贵?一张图告诉你“为什么一定要买”

在我过往的客户理赔案例里,经常会遇到这些情形:

情况

医疗费用范围(参考)

一次急性阑尾炎 + 手术 + 住院3

S$10,000 – S$15,000

私人医院肠胃镜检查(Day Surgery

S$3,000 – S$5,000

小儿高烧住院 + 抽血化验

S$5,000+

癌症诊疗 + 化疗

数万至数十万新币

2019年起政府统一规定:所有住院险最高只能赔付账单的95%,至少有5%需自己承担。

如果没有保险,这些费用只能自付。
而且——越私立,越贵;越晚买,保费越高;身体出状况,可能直接被拒保!

🧾 新加坡住院医疗险都保什么?核心保障全解读

保什么?

住院费用(含床位、护理、药物、诊疗等)
手术费用(含日间手术)
急诊 & 专科门诊(手术前180天/出院后365天内相关)
医疗影像、实验室检查(如MRI/CT/X光)
癌症化疗、肾透析(部分不需住院也可报销)

不保什么?

普通门诊(平时发烧、看专科无住院,不赔)
预有疾病(投保前已有病史通常不保)
美容/非医疗目的的手术
某些非注册医疗机构的服务

🔍 医疗住院险的几个重点优势,不得不看!

1. 保证续保(Guaranteed Renewal)

只要你按时缴费,保险公司必须续保,不能因健康变化拒保

👉 举例:有客户在国内买了医疗险,一年理赔后被拒续保;但在新加坡,保险公司不能单方面中断合约。

2. 理赔顶限高

  • 年理赔额 S$500,000 – S$2,000,000不等
  • 有些计划 无终身赔付上限,长期保障力强

3. 理赔范围延伸

  • 多数优质IP计划会包括术前180天、术后365天内相关检查与复诊
  • 某些保险公司甚至提供全额LOG(免垫付)服务,直接对接医院账单

👶 留学生/儿童/非工作人群,也建议买?

答案是:强烈建议!

学校、公司虽提供团体保险,但多数存在这些限制:

  • 理赔额度较低(多数只有S$10,000–S$30,000)
  • 覆盖局限,只保学校/公司期间发生的事故
  • 团体保不是你名下的资产,离职/毕业即失效

🎯 举例:
一名16岁学生,购买商业住院IP险只需 每年约S$300–400,可获高达S$500,000的公立医院保障额度。性价比超高!

👔 我公司已经提供了保险,我还要买吗?

答案也依旧是:建议自己配置一份。因为:

工作不稳定,换工作保障断档怎么办?

每家公司团体保内容不同,一旦跳槽、辞职或创业,保障就没了。

自己的保险才是“终身伴侣”

商业医疗险是你名下的长期资产,无论去哪家公司、在哪工作,它都跟着你。

有前病史再买就难了

万一现在没买,几年后身体出状况,再想投保就来不及了(被拒或附加条件)

📜 新加坡主要医疗住院险公司推荐名单

以下是目前新加坡市场上主流的IP医疗险供应商(排名不分先后):

  • AIA HealthShield Gold Max
  • Singlife Shield
  • Great Eastern Supreme Health
  • Prudential PruShield
  • HSBC Life Shield
  • Income Enhanced IncomeShield
  • Raffles Shield

每家保险公司提供多个等级计划(如基本版、加强版、私立医院版等),保障内容和保费差异较大,建议找专业顾问帮忙比对。

💡 理赔流程&Tips全攻略(实用小细节)

对于公民和PR:

  • 医院可直接查保单信息,无需垫付(自负额另算)
  • 出院后门诊/复诊费用,自行向保险公司提交索赔

对于持准证的外国人:

  • 通常需先垫付,后续凭发票理赔
  • 某些保险公司可提供LOG服务,提前申请免垫付额度

📌 温馨提示:
多数私立医生填写理赔表需要收费(约S$200–S$450),建议在复诊时顺便请医生填写,可省下不少!

🔚 总结:住院医疗险是新加坡生活的“必需品”

  • ✅ 看病贵、起付高,保险是安心的“防火墙”
  • ✅ 投保越早,保费越低、保障越全面
  • ✅ 无论你是学生、宝妈、新移民、创业者,都值得拥有一份自己的住院医疗险

📩 如果你正在规划全家的医疗保障,不确定该选哪一家保险公司、不清楚保障细节,欢迎来聊聊👇
我们一起根据你的身份、预算、家庭情况,定制适合你们的新加坡医疗保障方案 ❤️

中立 | 专业 | 诚信

张蕾 (Miranda)

新加坡理财规划师

WhatsApp:92306561

微信:MIRANDAZHANGLEI 

一文看懂新加坡住院医疗保险:谁能买?保什么?怎么避坑?超详细攻略来了! — Engage

#新加坡医疗保险 #住院险攻略 #新加坡保险科普 #新移民保障 #新加坡准证保险 #看病费用 #MedishieldLife #IntegratedShieldPlan #新加坡学生保险 #EP准证保险 #宝宝保险 #家庭财务规划

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:

张蕾Miranda

大家好!我叫张蕾,来自四川的新移民,在新加坡生活多年,也是两位孩子的母亲。

深知新移民家庭在医疗、教育、资产规划方面的痛点,尤其理解家长们对家庭保障的双重关切。针对新加坡高昂医疗成本,为您定制健康保障方案;同时专注子女教育储蓄与跨境资产配置,让您无论身处中新两地都能安心无忧。

专业领域:

  • 新加坡全险种规划(医疗住院/意外/重疾/寿险/储蓄险/投连险/孕产险)

  • 家庭专属方案(家庭保障/教育金/退休金/遗产保障)

  • 中新跨境服务(远程定期寿险与IUL指数型万用寿险)

以家长视角+专业资质,为您的家庭筑起立体防护体系。期待与您携手规划安心未来!

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  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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