新加坡意外险有多重要?尤其是有娃家庭一定要知道!

你以为只有重病才需要保险?意外险才是真正的“生活小盾牌”!一文读懂新加坡意外险,为孩子和家人做好全方位保障!

在新加坡,为什么意外险是每个家庭都该有的?

👩‍👧和朋友聊到意外险时,大多数的反应通常是说:“这个不重要吧?”

但其实,意外险才是我们家庭保障中最被低估的存在!尤其是有娃家庭,孩子又爱跑跳,意外险简直是必备!

💡意外险到底保什么?

简单一句话:除了突然生病,其他“突然发生的外部事故”都能保
比如:

  • 孩子在学校跑步跌倒、手骨裂
  • 做饭时不小心烫伤
  • 骑车被其他人撞了
  • 走路踩空扭伤脚踝
  • 被食物呛到导致急诊
  • 吃鱼时被鱼骨卡住喉咙

这些情况,虽然不是大病,但医疗费、复诊、理疗……真的很花钱。意外险就是来补这个“意外小窟窿”的。

🚑你以为有医疗险就够了?真不够!

很多人买了医疗险就放心了,但它主要是报销“因疾病导致”的住院费用
但如果你是:

  • 没住院、只是急诊+复诊?
  • 想看中医理疗?

这些,医疗险可能不一定保。而意外险在这方面就非常“宠”你了:

项目

医疗险

意外险

疾病住院

意外骨折+理疗

中医推拿、针灸

门诊缝针包扎

有限度

👷职业不同,保费也不一样?

没错!在新加坡,意外险的保费会根据你的职业来定哦~比如:

  • 💼文职/行政:保费最低
  • 🚗销售/司机:中等保费
  • 🧱建筑/技工:保费较高但更需要保障
  • 🧗‍♂️高空/危险职业:有些普通意外险甚至不保!

所以选购前,记得和保险顾问确认自己的职业类别哦。

👶孩子的意外险,千万别忽略!

孩子跑跑跳跳,一年磕碰个七八次都不夸张。新加坡看一次急诊起码$100+,再加上后续理疗、药物,真的是“意外烧钱”!

儿童意外险特点:

  • ✅涵盖日常磕碰、摔伤、食物中毒等
  • ✅住院津贴、手术费用都有覆盖
  • ✅价格超亲民,一年一百多新币就搞定!

🧡总结一句话:

意外险=花小钱,买安心!

它不像其他保险那样复杂,却能在关键时刻减轻负担、守护家人健康。如果你还没为自己或孩子配置,真的可以开始了解啦~

有问题也欢迎随时找我聊聊,一起为你的家庭做好“风险小护盾”!

中立 | 专业 | 诚信

张蕾 (Miranda)

新加坡理财规划师

WhatsApp:92306561

微信:MIRANDAZHANGLEI 

新加坡意外险有多重要?尤其是有娃家庭一定要知道! — Engage

#新加坡生活 #新移民保险 #意外险科普  #儿童保障 

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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  • 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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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/.

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