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应对医疗费用上涨：如何保护我们的财富

随着医疗费用的不断攀升，管理好我们的健康和财富变得比以往任何时候都更加重要。在新加坡，综合健保计划（Shield Plans）等医疗保险费用的上涨，引发了许多个人和家庭的讨论：如何在预算中做好平衡，同时为意外医疗支出做好准备？

虽然我们无法控制医疗通胀的成本，但我们可以控制我们的准备方式。以下是一些策略，帮助我们在面对不断上涨的保费和医疗费用时保护自己的财富。

 

1. 为我们的需求选择合适的保险

保险是我们对抗医疗费用意外的第一道防线。但我们是否为不需要的保障支付了过高的费用，或者更糟的是，保障不足？

•定期审查我们的保单：人生阶段会发生变化，我们的保障需求也应随之调整。年轻的职业人士可能更关注住院计划，而有家庭的人则需要涵盖家属的保障。

•明智地比较和选择：保费上涨并不意味着我们需要立即更换保险。除了价格，还要评估计划的保障范围、年度理赔限额和排除条款，在可负担性和保障之间找到平衡。

 

2. 建立专门的医疗储备金

即使有保险，自付费用也可能会积累。创建一个专门用于医疗的储蓄账户，可以在需要时减轻财务压力。

•采用综合储蓄策略：将我们每月预算的一部分分配到医疗紧急基金，就像支付一笔“账单”给未来的自己。

•利用CPF保健储蓄账户（MediSave）：在新加坡，MediSave允许我们支付符合规定的医疗费用和保费，无需直接使用现金流，从而缓解经济压力。

 

3. 将医疗规划纳入我们的财务目标

医疗规划应该是我们整体财务战略的一个重要组成部分，而不是事后才考虑的事情。

•结合保险与投资规划：例如，带有储蓄或投资成分的综合保险计划，可以帮助我们在应对医疗费用上涨的同时实现财富增长。

•规划长期护理：随着预期寿命的增加，长期护理费用可能会非常可观。可以探索Eldershield、CareShield Life或私人护理保险等选项，以覆盖这一常被忽视的需求。

 

4. 投资于预防性医疗

预防性医疗是最具成本效益的医疗方式。今天优先关注我们的健康，可以减少未来昂贵的治疗费用。

•定期健康筛查：早期发现疾病的成本远低于处理后期病症的费用。

•养成健康生活方式：规律运动、均衡饮食和充足睡眠是减少长期医疗费用的简单而有效的方法。

 

5. 寻求独立财务顾问的帮助

医疗费用可能是不可预测的，但一个可靠的财务计划可以带来清晰度。一位独立的财务顾问可以帮助我们：

•分析我们当前的保障并发现不足。

•优化我们的保险组合，使其符合我们的预算和生活方式。

•创建可持续的计划，以管理保费和意外费用。

与独立财务顾问合作可以确保我们获得量身定制的、客观的建议，满足我们的独特需求和目标。

 

展望未来

医疗费用始终是一笔重要的支出，但通过正确的策略，我们可以掌控局面。通过审查我们的保险、建立储备金，并将医疗规划纳入我们的财务目标，我们可以更好地为未来做好准备。

我们的健康是我们的财富——保护两者需要今天做出明智的决策。

 

一起加油！

我是 Zechariah See (国超）

➡️ http://linkedin.com/in/zechariahsee

➡️ 小红书ID：Zech178

#财务规划 #医疗费用 #财富管理 #保险策略 #财务健康

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以上内容仅供参考和个人意见，不构成专业财务建议。建议读者根据自身的财务目标、情况和需求，寻求独立的财务建议。内容未经新加坡金融管理局审查。

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.

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Zechariah See

I bring a unique edge to financial advisory—one grounded in real-world entrepreneurship and business building across multiple industries.

Beyond my background in financial services, oil & gas engineering, and military leadership, I’ve founded and grown several businesses ranging from a medical concierge firm and a marketing services company to ventures in trading, floristry, and industrial project solutions. These hands-on experiences in building brands, managing operations, leading teams, and navigating market shifts give me a practical understanding of what it truly takes to run and grow a business.

This allows me to connect deeply with families and business owners—not just as their advisor, but as someone who has stood in their shoes in managing complex risks and needs from big families and evolving businesses.

Today, I channel this breadth of experience into helping entrepreneurs, corporate leaders, and families design resilient financial strategies—from investment planning and cash flow management to business protection and legacy planning. Whether you’re looking to scale, optimise your holdings, or plan your exit, I can offer insights that are both strategic and actionable.

My key deliverables will be to protect your assets from downside business/family risks and give you a lift for your upside potentials.

If you are a business owner who values working with someone who understands your world, or if you know someone who would benefit from such a partnership—I’d love to connect.

Let’s build something meaningful together.

I can be reached via the communication channels mentioned below. Chat with you soon. Cheers.

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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