在新加坡,新手父母该如何给宝宝买保险?

在新加坡,有各种针对新生儿宝宝的健康保险计划,包括政府资助的计划和私人保险公司提供的计划。如果孩子拥有新加坡公民身份或永久居民身份,TA将自动获得由中央公积金(CPF)局管理的基本健康保险计划——终身健保(MediShield Life)的保障。作为新手父母,还可以选择通过为新生儿购买私人综合健保计划(IP)来提升终身健保的覆盖范围。本文来聊一聊有哪些为新生儿提供的保险。

新生儿及儿童健康保险类型 与标准成人健康保险类似,这些保险覆盖住院、手术、慢性病或重病以及意外治疗等医疗费用。以下是父母为孩子可考虑的主要健康保险类型:

一,住院和手术

如果孩子是新加坡公民,他们可能通过终身健保(MediShield Life)获得住院和手术的保障。保健储蓄(MediSave)帮助支付以下重大住院费用:病房和治疗费用、手术费用(B2/C级病房,选定的专科门诊治疗,重症监护病房和社区医院)


然而,终身健保无法完全覆盖公立A类病房或私人医院的费用。如果希望为生病或受伤的孩子寻求更优质的医疗服务,那么购买一份私人综合健保计划以补充终身健保变得至关重要。此计划可以通过父母的保健储蓄账户和现金进行支付。

私人综合健保计划(IP)有7间提供商,(即AIA、AXA、大东方、职总英康、保诚、莱佛士健康保险和Singlife [前称为Aviva])我们代理了5家,可以根据你的需求和预算,优中选优。

二,儿童意外

孩子容易发生各种意外,导致受伤或更严重的后果。 儿童意外保险可以帮助支付恢复孩子健康所需的费用,特别是不需要住院的门诊费用,儿童常见意外:手足口症,鱼刺卡到,蚊虫叮咬,磕磕碰碰,烫伤等等

三,重大疾病

重疾保险在确诊重大疾病时提供一次性赔付,即使不需要住院或治疗。如果疾病进展到第3或第4阶段(即晚期,康复可能性较低),则被归类为重大疾病。这笔资金对于支付治疗费用非常重要。

为什么要为新生宝宝考虑健康保险?

可能会质疑为健康良好、没有重大疾病的孩子购买保险的必要性。然而正因为TA们年幼且健康状况良好,现在正是投资保险的最佳时机。为什么呢?以下几个原因:

1)全面地覆盖医疗问题

孩子可能容易患病和发生意外,无法保证他们不会遇到重大健康问题。如果孩子需要住院,保健储蓄可以支付部分医疗费用,但有一定的限制(住院每日最高$450,手术住院每日最高$300)。所以基本的医疗保险配套至关重要。

2)获得无排除条款的全面保障

孩子有资格获得没有任何排除条款的全面保险覆盖,而大多数保险公司通常不涵盖已有疾病或病症。鉴于刚出生的孩子可能没有任何病史,获得全面保障相对容易。这确保了TA在未来出现任何医疗状况时都会得到保护。

3)享受较低的保费

由于孩子的健康记录良好,被保险公司视为低风险案例,保费通常较低。此外,可以使用保健储蓄支付孩子的住院保险主保费,无需自掏腰包。而且考虑到保险保费通常会随着时间增加,将在长期内节省大量费用。

4)考虑储蓄计划

在这个阶段,也可以考虑将储蓄保险纳入孩子未来的财务规划。除了防范疾病等不利情况,投资储蓄计划还能帮助孩子未来的教育需求或重要人生大事的需求(比如出国,学车,买房等等)开始储蓄的越早,利用时间的复利效用,等他们长大后就会存下一笔可观的钱,也利于他们财商的培养。

有什么关于新生儿购买保险的问题,欢迎留言咨询。

 

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:

Wang Hongna Anna

您好,我是洪娜Hongna,是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财顾问,拥有6年+的行业经验。

专注于为职场人士和家庭提供全面的财务保障服务,致力于帮助客户建立安全的保障体系和理财方案。特别是成为在新加坡的华人和新移民值得信赖的理财顾问。

专业学术背景和经历

山东财经大学经济贸易本科学位,拥有新加坡银行和金融学院认证,国际金融理财师认证CFP®。过去的学术背景和不断的自我提升,让我具备了坚实的理论基础,使我能够更好地为客户提供财务规划方面的建议。并且坚信终身学习是作为一名理财顾问的基本要求。

从开始的AIA单一保险公司转换到现在的独立理财顾问公司,始终保持以客户为中心,中立,客观的为客户进行财务规划。在基本医疗保险申请索赔和教育,养老规划上有经验。 希望成为您家庭财务的急救工具箱,事先准备好工具(规划方案),并在需要的时候能够快速地,正确地使用工具。

具体提供以下财务规划服务:

  • 风险管理(医疗保险和人寿保险)
  • 财富保障规划,保险规划以及年检
  • 教育养老规划,投资规划以及年检
  • 传承规划(CPF提名,LPA, 遗嘱等)

欢迎链接我,成为您财务保障和规划上的好伙伴。

CFP®️ Certified Financial Planner

Hello, I am Hongna, a senior financial advisor at Financial Alliance, the largest IFA firm in Singapore, with over 6 years of industry experience.

Specialized in offering comprehensive financial protection services for professionals and families, dedicated to helping clients build secure insurance systems and financial plans for themselves and their loved ones. My goal is to become a trusted financial advisor, especially for Chinese individuals and new immigrants in Singapore.

Focus on providing services:

  • Risk Management(Health Insurance & Life Insurance)
  • Insurance portfolio Planning & Review
  • Investment Portfolio Planning & Review
  • Education and Retirement Planning
  • Estate Planning (CPF Nomination, LPA, WILL)

Feel free to connect with me; I look forward to being your trusted partner in financial protection and planning.

如果您希望获得更多保险理财相关的建议和帮助,欢迎点击我联系

 

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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/.

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  • 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。
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  • 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