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三分钟了解新加坡的宝宝们刚需保障三件套

入这行这么多年 ，碰到最多的就是朋友问我在新加坡必须配的医疗保险是什么？ 讲真这里跟国内差别还是挺大的， 我会建议下面三个险种：
1）住院险
众所周知发达国家的医疗都是很贵的， 有些朋友跟我说可以打个飞的回国治，怕就怕急症发生， 前段时间一个朋友高烧进了ICU住了4天才出院，一天治疗费就是1万多新币。
住院险最高可以报销95%的治疗费用， 自付部分3000封顶，包括住院以及因为住院疾病产生的住院前, 后特定时期内的门诊费用。根据买的级别可以选择政府医院或私人医院。
每家保险公司都有自己的panel doctor, 所以在医院就诊一定要求医院提供panel doctor， 否则报销条件会大不一样。
值得一提的是如果得了大病第二年住院险也是保证续保的， 而高端医疗险则不是保证续保的。
2）意外险
顾名思义用来报销因为意外导致的住院及门诊费用，这个险种强烈建议小孩一定要配上，包括小孩易得的手足口症、骨痛热症及食物中毒， 以及在学校体育运动导致的意外受伤了，去年11月我客户的小孩打篮球小脚趾撞到栏杆骨折， 去的政府医院住院做手术一天， 账单4K+, 通过住院险和意外险的双重报销， 最后客户只支付了21块。
3）重疾险
很多人都说有了住院险为什么还要配置重疾险？对于中产来说一场大病意味着未来3-5年都可能在家休息，自己看病的钱是通过住院险报销了， 那么小孩的抚养费， 房屋贷款， 老人的赡养费从哪里来， 不能手停口停，这笔钱就是用来解决燃煤之急的.
市面上重疾险五花八门， 三个因素决定那种重疾险险适合你？

A）您多大年龄？

买保险说白了是利用杠杆，我建议：

35岁以下：配终身重疾险

35岁以上：配定期寿险也就是消费型的身故险+重疾险， 新加坡的这款产品性价比超高， 国内很多客户咨询配置， 可以远程签单+刷国内信用卡， 最近发生一起理赔突发心肌炎不到50岁走掉了，家属也不需要来坡， 国内翻译公证资料发来， 金额T/T到国内银行户头， 非常方便省心。

B）买多少？

买多少重疾合适，除了根据个人的工作状况，家庭情况来具体分析，一般按照5年工资来计算，也就是10万年薪的建议配50万的重疾， 90万的身故保障。

C) 买到多大？

终身重疾的不存在这个问题，那么定期寿险会建议配到65/70岁，保障人生关键期的费用支出！

为什么这里不建议配单纯的重疾险？卖个关子，有兴趣的私我了解哦！

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 unbiased 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:

Su xiaoning

Hi, I’m Nicole, 中文名 苏小宁.

感谢访问我的网站， 我来自中国：上海， 家有两娃， 2018年搬来新加坡，之前一直电信行业工作多年。

我爱美食， 国学，爱打羽毛球， 爱交朋友。在这份工作之前我就做过多年投资，读过MBA,  我热爱这份工作，因为这份工作可以让我接触各行各业的人，我的客户也是我的朋友 ，专业是客户给我最多的评价！ 

不忘初心， 做个有温度有专业的财务规划师是我的毕生工作，我愿意做一位永不退休者， 终身学习者。

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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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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