你在新加坡有足够的健康保险吗？

在一个拥有560万常住人口的国家，大约有160万外国人居住在新加坡。有些人在工作，有些人在学习，还有一些人来这里是因为他们的配偶被分配到新加坡工作。

与新加坡人结婚并移居新加坡的人也越来越多。根据新加坡统计局(Department of Statistics)的数据，2016年，超过三分之一的婚姻(约8500对)发生在新加坡人和非新加坡公民之间。

搬到一个新的国家生活需要适当的计划。新加坡也不例外。居住在新加坡的外国人需要考虑他们打算住在哪里，他们的孩子应该上什么学校，儿童保育的安排和其他行政和后勤准备。他们还必须权衡每一个决策的成本。

In a country with a resident population of 5.6 million, we have about 1.6 million foreigners living in Singapore. Some of them are working, others are studying and there are also some who are here because their spouses have been assigned to work in Singapore.

There is also a growing number who have married a Singaporean and who have relocated to Singapore. According to the Department of Statistics, more than a third of marriages in 2016, or about 8,500 marriages, are between Singaporeans and non-citizens.

Moving to live in a new country requires proper planning. Singapore is no exception. Foreigners living in Singapore need to consider where they intend to live, the schools their children should attend, childcare arrangements and other administrative and logistical preparations. They also have to weigh the cost of each decision they make.

你在新加坡有足够的健康保险吗

Do You Have Sufficient, Or Even Any, Health Insurance Coverage In Singapore

如果你住在新加坡，你不能忽视的重要问题之一就是你的医疗保险。大多数去过医院的人都会证明，新加坡的医疗成本很高。

与人寿保险不同，你在本国购买的现有医疗保险可能无法支付在新加坡住院的费用。

如果你住在新加坡，你应该确保你在新加坡有足够的健康保险。虽然大多数雇主应该已经为他们的雇员提供了某种形式的健康保险福利，但你绝对应该确认一下，以确保情况确实如此，以及保险范围是否延伸到可能与你一起住在新加坡的你的家人。

如果你在新加坡没有任何健康保险，或你是自雇人士，或觉得你的公司提供给你的保险不够，你应该考虑购买自己的健康保险。

If you are living in Singapore, one of the important matters you cannot afford to overlook is your health insurance coverage. As most people who have been to a hospital will attest, the cost of healthcare in Singapore is high.

Unlike life insurance, your existing health insurance policies bought back in your home country may not cover for the cost of hospitalisation in Singapore.

If you are living in Singapore, you should ensure that you have sufficient health insurance coverage in Singapore. While most employers should already provide some form of health insurance benefits to their employees, you should definitely check in to ensure that is the case, and whether or not the coverage extends to your family members who may also be living in Singapore with you.

If you do not have any health insurance coverage in Singapore, am a self-employed, or do not feel that the coverage provided to you by your company is sufficient, you should consider getting your own health insurance policy.

新加坡的医疗通货膨胀率是15%:为什么这对我们来说意味着灾难

Read Also: Singapore’s Medical Inflation Rate Is At 15%: Why That Spells Disaster For Us

安盛智能护理优化增强-为您提供您在新加坡需要的保护

AXA SmartCare Optimum Enhanced – Providing You With The Protection You Need In Singapore

安盛智能医疗的最佳增强是一个健康保险计划的例子，它能够为你提供长期的医疗保障，你需要生活在新加坡。这让你安心，知道你可以享受在新加坡的生活，而不必担心医疗费用。

以下是它提供的一些关键覆盖区域。

The AXA SmartCare Optimum Enhanced is one example of a health insurance plan that is able to provide you with the long-term healthcare coverage that you need to live in Singapore. This gives you a peace of mind, knowing that you can enjoy living in Singapore without having to worry about healthcare costs.

Here are a few key coverage areas that it provides.

住院及日间手术治疗

Inpatient & Day Surgery Treatment

你需要的最常见的保险类型是住院和日间手术治疗。这是在发生意外的情况下，你可能需要立即住院。

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和大多数发达国家一样，在新加坡住院需要花费一大笔钱，即使是在公立医院。如果你选择在私立医院多呆一段时间，费用会更高。

安盛SmartCare优化增强型提供最高100万新元的保险，并全额报销符合条件的医疗费用，直至保单年度限额。您可以在安盛网站上的产品手册中找到可报销医疗费用的详细明细。

The most common type of coverage you need would be inpatient and day surgery treatment. This is in the event of an accident, where you may require immediate hospitalisation.

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Similar to most other developed nations, being admitted into a hospital in Singapore can cost a significant sum of money, even in public hospitals. If you opt for a longer stay in a private hospital, it will cost you even more.

AXA SmartCare Optimum Enhanced provides coverage of up to S$1 million and reimburses eligible medical expenses, in full, up to the policy annual limit. You can find out the full breakdown of claimable medical expenses in the product brochure on the AXA website.

门诊治疗

Outpatient Treatment

门诊治疗是指在不需要住院过夜的医院进行的治疗。这类门诊治疗的常见类型包括癌症治疗、肾脏透析和其他不需要过夜的紧急治疗。

Outpatient treatments refer to treatments that are performed in a hospital without the need for an overnight stay. Common types of such outpatient treatments include cancer treatment, kidney dialysis and other emergency treatments that do not require an overnight stay.

全科医生和专科治疗

General Practitioners & Specialist Treatment

即使身体健康的人也会时不时地生病。在这些情况下，我们可以去看全科医生进行咨询，并接受必要的药物治疗，以帮助我们的康复。

对于更复杂的治疗，我们可能需要专家咨询，这通常是由全科医生转介。这类咨询往往比较昂贵，还可能包括x光检查或实验室检查等程序。

Even healthy and physically fit people do fall ill from time to time. In these instances, we may visit a General Practitioner (GP) for a consultation and to receive the necessary medication to aid our recovery.

For more complicated treatments, we may need specialist consultation, which will be usually referred by a GP. Such consultations tend to be more expensive and may also include procedures such as an X-ray or lab tests.

支付你想要的保险

Pay For The Right Coverage You Desire

我们一直强调的保险计划的一个重要方面是人们应该充分地为自己投保。你不想冒保险不足的风险，因为这可能意味着，如果不幸的事故发生，未来可能不得不在医疗保健上花费更多。与此同时，为你不需要的额外保险支付更多的费用意味着不必要的开支。

安盛SmartCare的最佳增强版为投保人提供了三个层次的保险。

One important aspect of insurance planning that we always stress is that people should insure themselves adequately. You do not want to run the risk of being underinsured, as that could potentially mean having to spend much more on healthcare treatments in the future should an unfortunate incident occur. At the same time, paying more for additional coverage you don’t need simply means spending money unnecessarily.

The AXA SmartCare Optimum Enhanced provides policyholders with three level of coverage.

安盛智保优化增强型计划年度政策限额

银计划250000新元

金500000美元的计划

白金1000000新元

“白银计划”是最实惠的计划，每年的保险金额可达25万新元。该公司的黄金计划提供的覆盖范围最高可达50万新元。保费计划，即白金计划，每年最高可达1,000,000新元。

请注意，年度保单限额也适用于某些符合条件的医疗费用的个别分项限额。我们鼓励您在SmartCare优化增强手册中了解更多关于每个计划的子限制。

如果您想增加牙科和旅行保险，您也可以购买牙科和旅行不便附加主计划。这可能是一个实用的附加，特别是如果你打算经常旅行度假，或担心在新加坡的牙科保健费用。

此外，如果您为与您一起居住在新加坡的家庭成员购买SmartCare最佳增强计划，当您为三个或更多的家庭成员投保时，您还可以享受10%的家庭折扣。

在新加坡生活和工作可以是一个有趣和丰富的经验，只要你确保你有足够的医疗保险。

The Silver Plan, which is the most affordable plan, provides a coverage level of up to S$250,000 per year. Its Gold Plan provides a higher coverage level of up to S$500,000. The premium plan, which is the Platinum Plan, provides an annual coverage of up to S$1,000,000.

Do note that the annual policy limit is also subjected to the individual sub-limits for certain eligible medical expenses. We encourage you to find out more about the respective sub-limits in each of the plan in the SmartCare Optimum Enhanced brochure.

If you’d like to add dental and travel insurance coverage, you can also purchase the dental and travel inconvenience rider with the main plan. This may be a practical add-on, especially if you are intending to travel frequently for holidays, or are worried about dental care cost in Singapore.

In addition, if you are buying the SmartCare Optimum Enhanced plan for your family members who are living with you in Singapore, you can also enjoy a family discount of 10% when you get coverage for three or more family members.

Living and working in Singapore can be a fun and enriching experience, as long as you ensure that you have sufficient medical coverage.

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