这几年医疗保险越来越贵,很多人第一反应是:保险公司在赚钱。但真相是什么你知道吗?
在新加坡,这几年每年都有接近10万人,把自己的医疗保险降级。去年11月26号卫生部直接发布新的医疗改革即将来临。也就是我们这个四月份的医疗改革。
你有没有想过——
为什么会走到这一步?
其实,这里有一个“看不见的循环”。
一开始,保险公司为了让客户更安心,推出了——几乎可以全额报销的医疗保险。
听起来很好对吧?
但接下来事情就开始变化了:
• 病人会想:反正可以报销,那我当然要最好的医院、最好的治疗
• 医生会想:既然你能报销,那我就给你用最好的方案
最终的结果就是:医疗费用越来越高,保险公司赔付越来越多,保费不断上涨!
然后,就有人开始交不起,只能被迫降级这时候政府不得不出手。
所以这次医疗改革,本质不是“削减保障”,
而是——让整个系统回到一个可持续的状态。
说白了就是一句话:
当所有人都在“用最好”,这个系统就一定会变贵。
人性本身没有错,
但任何制度,都不能无限放大 人性的选择。
制度一旦忽视人性,最后一定会被人性反噬。
如果你想要了解更多关于新加坡保险,欢迎随时联系我。
WhatsApp: 81267108
微信:wynne_weining
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.
我是魏宁,2008年通过全额奖学金来到新加坡,并在本地公立医院手术室工作近14年。
如今作为理财顾问,我将医疗背景与金融专业相结合,为客户提供以需求为核心的保障与财富规划。
专业、责任、以客户为中心,陪伴客户做好每一步长期规划。如果您希望进一步与我联系,点击“预约咨询”。
I’m Wynne, I came to Singapore in 2008 on a full scholarship and spent nearly 14 years working in the operating theatre of a local public hospital.
Today, as a Financial Consultant, I combine my healthcare background with financial expertise to provide client-focused protection and wealth planning.
Professional. Responsible. Client-focused. Committed to every step of your long-term journey.
WA:+6581267108
WeChat:wynne_weining
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