在买医疗保险的时候,跟大家分享一下几个关键的问题。 医疗保险不是说你买了就立即 有保障, 这个是有条件的。 1, 有11中疾病在保单生效的第一年是 不受保障的, 就是说买了保险后,要等一年的时间才有保障。 Blood disorder • Cancer • Cerebrovascular accidents (stroke) • Chronic liver cirrhosis • Chronic obstructive lung disease • Chronic renal disease, including renal failure • Coronary artery disease • Degenerative disease • Ischaemic heart disease • Rheumatic heart disease • Systemic lupus erythematosus 2, 有66种病一但中了,就不可以买医疗保险了。 1 Alzeimer’s Disease 2 Aortic Valve Stenosis/ Aortic Incompetence/ Aortic Insufficiency/ Aortic Regurgitation 3 Aortic Surgery 4 Aplastic Anaemia 5 Arterio-venous Malformation (AVM) 6 Atrial Septal Defect (ASD)/ Ventricular Septal Defect (VSD)/ Patent Foramen Ovale (PFO)/ Hole-in-Heart 7 Atrial Fibrillation/ Atrial Flutter/ Ventricular Fibrillation/ Ventricular Flutter 8 Balloon Angioplasty (PTCA-Percutaneous Transluminal Coronary Angioplasty)/ Heart Bypass (CABG-Coronary Artery Bypass Graft)/ Coronary Artery Disease (CAD)/ Ischaemic Heart Disease (IHD)/ Stent Inserted into Coronary Artery/ Coronary Atherosclerosis/ Coronary Stenosis 9 Bronchiectasis 10 Cancer within 5 years 11 Cardiomyopathy 12 Cerebral Palsy 13 Cerebral Vascular Accident (CVA)/ Stroke/ Transient Ischaemic Attack (TIA) 14 Chronic Liver Failure 15 Chronic Obstructive Airway Disease 16 Chronic Renal Failure/ Impaired Kidney Function 17 Cirrhosis (Hardening of Liver) 18 Congestive Heart Failure/ Heart Failure 19 Deaf Mutism 20 Dementia 21 Diabetes Mellitus Type I (Insulin Dependent) Diabetes Mellitus Type II Diagnosis Age < 35 Diabetes Mellitus with Complications 22 Diabetes Mellitus and High Blood Pressure/ High Cholesterol 23 Down’s Syndrome/ Mental Retardation 24 Dwarfism 25 Emphysema 26 Fallot’s Tetralogy 27 Gender Realignment/ Sex Change 28 Glomerulonephritis 29 Gout with High Blood Pressure/ High Cholesterol/ Diabetes Mellitus/ Heart Condition/ Kidney Condition 30 Haemophilia 31 Heart Attack/ Myocardial Infarction (MI) 32 Heart Enlargement/ Cardiomegaly/ Ventricular Hypertrophy 33 Heart Valve Surgery 34 Hepatitis C/ Hepatitis D 35 High Blood Pressure Diagnosis Age < 35 36 High Cholesterol Diagnosis Age < 35 37 High Blood Pressure & High Cholesterol Diagnosis Age < 35 38 Hodgkin’s Disease 39 Huntington’s Disease 40 Idiopathic Thrombocytopenic Purpura 41 Intestinal Ischaemia/ Ischaemic Colitis/ Mesenteric Vascular Insufficiency 42 Intracranial Aneurysm 43 Intracranial Tumours 44 Kawasaki’s Disease with complications 45 Loss of Independent Existence 46 Leukaemia 47 Major Organ Transplant Surgery 48 Motor Neuron Disease 49 Multiple Sclerosis 50 Muscular Dystrophy 51 Neurosis 52 Non-Hodgkin’s Lymphoma 53 Obesity (BMI > = 40) Obesity (BMI > = 30) with Diabetes Mellitus &/ or High Blood Pressure &/or High Cholesterol 54 Osteoporosis 55 Parkinson’s Disease 56 Paraplegia/ Hemiplegia 57 Peripheral Neuropathy 58 Severe Poliomyelitis 59 Polycystic Kidney Disease 60 Pulmonary Stenosis 61 Sick Sinus Syndrome/ Pacemaker Inserted 62 Still’s Disease/ Juvenile Ankylosing Spondylitis/ Juvenile Chronic Arthritis 63 Stiff Person Syndrome 64 Systemic Lupus Erythematosus 65 Thalassemia Major 66 Wilson’s Disease不是每个人都可以买保险的。 所以越早买越好,不要等到事情发生了才想起来。到时候已经晚了。 3, 遗传的病,保险生效后,两年以后才可以受保障。 4, 怀孕引起的不正常现象,保险生效后, 10月后才可以受保障 5,保险公司有权更改条款和保费。 但是会提前30天通知受保人。 比如说: 保险公司可能会随着经济的发展, 和通货膨胀的压力,来提高保费。 也可能随着医疗的改革,保障的条款也会随着改变。 还有比如说, 保险公司现在给你100% 得医疗保障,可能过几年,条款改了,只能报销90%。 或者如果坚持要100% 保障的话,保费就会涨很多。 6, 目前新加坡有5 家保险公司有这个和CPF挂钩的医疗保险计划。比如从NTUC-INCOME换到 AIA, NTUC-INCOME得就会自动停了。 你可以随时转换,但是要看自己的健康状况。如果有报销过帐单,最好是不要换公司,因为其他公司不保障已经有的疾病。 所以一旦有了病,就只能跟一个保险公司了。选择正确的保险公司很重要。 以上几条供大家参考。
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