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新加坡重疾险全解析：如何为家庭配置合理的收入保障？

重疾险是新加坡家庭财务保障的关键环节，本文带你深入了解终身与定期重疾险的区别、如何科学配置保额，以及新移民家庭最容易忽略的保障盲点。

🌿新加坡重疾险怎么选？新移民都该了解的关键保障！

刚来新加坡时，我和很多新移民家庭一样，只知道要买住院医疗险，却完全没注意到“重疾险”这个隐藏的大BOSS级保障。直到身边有朋友突然确诊癌症，才意识到：光有住院险，还远远不够！

如果你也以为“重疾险是赔医疗费的”，那真的要继续往下看👇

❓重疾险到底保什么？

简单一句话：保的是“收入损失”，不是医药费！

在新加坡，重疾险（Critical Illness Insurance）是当你被确诊患上合同中定义的重大疾病时，一次性赔付一笔固定保额的保险金。你可以用这笔钱：

  • 养家糊口
  • 还房贷车贷
  • 支付孩子学费
  • 调养身体、请护工、购买保健品

👉 理赔金怎么用你说了算，不需要出示任何医疗单据或发票，也就是说——这笔钱就是你的收入替代金！

💡重疾险保额怎么定？别低估收入损失的代价！

保额 ≈ 年收入 × 5倍

为什么是5年？因为多数重大疾病的康复期在3~5年之间，这期间可能无法正常工作，但家庭的日常开销、房贷、孩子教育支出一样都不会少。

举个例子：

  • 年收入$80,000的新移民妈妈
  • 建议配置至少$400,000的重疾保额
  • 一旦确诊，可获得一笔赔付金 → 帮你稳稳撑起康复期间的生活质量

📊现实数据：新加坡大多数人都“保额不足”！

根据《联合早报》引用的调查：

✅ 只有15%的新加坡人有足够的重疾保障

而在新移民群体中，这个比例还要更低！很多人以为买了医疗险就足够，等到真正生病才发现，生活开销的压力才是最沉重的负担。

🧠终身重疾险 vs 定期重疾险，有啥区别？

很多家庭会问：要保终身还是保定期？

其实答案很简单：

  • 预算充足、想要有分红、兼顾身故保障 → 可以优先考虑【终身型】
  • 预算有限、注重高杠杆、只要纯重疾保障 → 那就果断上【定期型】

🌈终身险贵一点，但真的值得吗？

我们来做一个对比：

  • 40岁男性（非吸烟），保额$300,000
  • 终身重疾险：年保费约$5,600，可保终身，还有分红
  • 定期重疾险（保至65岁）：年保费约$1,600

差额$4,000/年，如果拿来定投基金、假设年化5%-8%，25年后收益或许能补足65岁后的保障空窗期。

所以终身vs定期，并不只是保额 vs 保费的对比，更是你对自己未来健康、理财认知的综合判断。

我们来对照这张数据表，逐项拆解看看：

项目

终身重疾险

定期重疾险

投资理财替代保障

保费

💰$5,606/年

💸$1,614/年

💡差额每月定投$333

保障期

✅终身

👴保至65岁

🕒投资25年后靠收益自保

理赔方式

🧾 一次赔付，兼顾寿险 + 全残

🔁 一次赔付，兼顾寿险 + 全残

❌ 无直接赔付，仅靠投资收益替代

现金价值

✅ 有（可累积）

❌ 无

✅ 投资增值，取决于市场表现

70岁时保额/资产

$366,093

❌无保障

$250K（5%）~ $474K（8%）

80岁时保额/资产

$260,949

❌无保障

$319K（5%）~ $707K（8%）

不是只能三选一！可以混搭配置，先保住核心，再慢慢补足长线👇

✨每个家庭的阶段和目标不同，关键是： ✅ 先清楚自己家庭真正的风险在哪里；✅ 选一个“买得起、能坚持、用得上的”保障方式。

🔚总结：你需要的是覆盖家庭核心风险的那一份保障

重疾险不是“锦上添花”，而是整个家庭财务安全网中，最不可缺的一环。

  • 别把重疾险当“医疗保险”
  • 明确自己需要的是“收入补偿”
  • 保额一定要以5年年收入为基准
  • 终身 or 定期，根据预算 + 理财规划灵活搭配

👩‍👧 如果你正在为自己和家人选购重疾险，不妨找专业的财务规划师帮你量身定制保障方案吧！

中立 | 专业 | 诚信

张蕾 （Miranda）

新加坡理财规划师

WhatsApp：92306561

微信：MIRANDAZHANGLEI  

新加坡重疾险全解析：如何为家庭配置合理的收入保障？ — Engage

#新加坡重疾险 #新加坡保险科普 #新移民保障规划 #重疾险怎么选 #家庭收入保障 #新加坡理财干货 #育儿保障必备 #终身重疾险 #定期重疾险

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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