在新加坡购买个人住院险为什么很重要?

在新加坡必备保障之一——个人住院险

在新加坡,不论是新加坡公民,PR还是外国人,个人住院险是最基本,必买的保险之一。个人住院险主要是为了支付大额昂贵的医疗账单。包括了无论是大病还是小病或者由意外引起的住院或手术的相关费用。

医疗账单的报销包含了:ICU病房,住院床位(不是单人,还是双人,还是多人)和食宿这些最基本的账号。

其中账单的报销还包含了:住院前问诊和出院后的康复治疗费用,以及由癌症造成的长期化疗;放疗,或者肾脏病造成的长期洗肾等治疗。

则手术费用的报销包括了:医生手术的费用;麻醉师的费用;手术医疗耗材的费用等。在当天完成的小手术,也可以叫做日间手术,比如某些诊断医生要求必须做的医疗检查: 如肠,胃镜的检查等等;不需要住院的小手术账单也能报销。

在新加坡为什么需要个人住院险?

众所周知,在新加坡生活成本很高。而除了生活成本高之外,在新加坡看病贵,也是出了名的贵!按世界卫生组织(WHO)最新报告排名,综合考量医疗水平,接受医疗服务的难度和医药费负担公平性等方面,新加坡列为第三。在新加坡的专科医院做个小手术,比如阑尾炎等,住院费加手术治疗的这些费用都可以达到几千或上万新币不等。

新加坡医疗系统收费透明,下面这个网站(新加坡MOH卫生部官网)可以查询在新加坡医院做各项手术的相关费用:

https://www.moh.gov.sg/cost-financing/fee-benchmarks-and-bill-amount-information

 

报销比例:可报销的医疗账单费用高达95%

购买支付方式:新加坡公民和PR可以用CPF公积金来支付一部分的保费,另外一部分使用现金来支付。外国人需要用现金来支付所有保费。

 

经常会有人问:我已经有公司团险了,我还需要个人的住院险吗?

答案是:需要!

1.     公司会为员工购买员工团体保险,是公司对员工的一项福利。而公司购买的员工团体保险,门诊专科费用一般都是一年只能报销1K新币,住院账单的报销额度通常都是每年最多15K,并且不能报销私立医院的单人病房。而稍微好一点的大都也不会超过30K。面对新加坡的高额医疗账单,通常一次小手术或者住1~2天的医院,这些钱都已经超出了可用的报销额度!

2.     人往高处走,水往低处流。正常情况下,很少能有人在一间公司工作到退休。而此时,如果用公司的保险报销过任何手术费用的经历或者在公司每年检查身体的活动中查出某些小问题,比如肠胃炎,器官小息肉或者小结节;严重一点的就是糖尿病等问题,在想购买任何个人保险的话,都将会面临有免除条款或拒保的可能性。而在身体状况不达标的情况下,即使换到新公司,新公司的员工保险也会有拒保的可能性。而此时,因为自己没有提前购买个人保险,只有现有的公司员工保险可用,换工作,跳槽这些,想都不要想了!

3.     人不可能工作一辈子,总有离职或者退休的一天。而在离职的时候,公司员工保险是带不走的!而此时的自己,是属于一个“裸奔“的状态。如果即将退休,反过来再想购买个人保险,因为年纪的变大,年纪大都在50,60多岁,甚至是70多岁的时候,患病机率的风险大大提升,从而也会面临核保严格;有免除条款;或者拒保的情况。

 

 

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:

Summer Zhang 张艾娇

My name is Summer Zhang, graduated from Master of Business Administration of UK. I have worked in the recruitment industry for many years. I encourage myself to bravely step out of my comfort zone. I study hard and specialize in all kinds of financial knowledge.  Now I am an Independent Financial Adviser with Financial Alliance Company. I will use the most professional attitude to provide the best financial services to everyone who needs me.

 

My service tenet is: Being customer obsessed and focused is the key to success !

CONTACT US

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务?(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格,即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 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

Scan for Contact Details

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Retirement Planning

Will I be able to retire comfortably?