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CareShieldlife 终身护保:基本赔付额增50% 提供基本保障

27/5/2018

 
CareShieldLife
受访分析师认为,虽然终身护保的保费,比乐龄健保的保费来得高,但赔付额已大幅调高,基本赔付额提高至少50%,这能为陷入严重残疾的国人,提供基本保障。

​终身护保推出后,30岁国人若在投保后的一年内身患严重残疾,他终身可获每月600元赔付额,这比乐龄健保的300或400元赔偿,多了至少50%。分析师表示,这笔赔偿可能对一些人来说不足够,但能帮助减轻负担。

星融理财顾问行政总裁谢诏全说:“一个人如果不幸需要长期护理的话,不单是失去了收入,而且你还有医药和医疗费用的增加,而且看护人也可能需要停止工作,所以他们所带来的经济和精神上的损失其实是很大的,所以这只是提供一个基本上的保障。”

新计划和目前一样,唯有无法自理至少三样日常活动才能索偿,一些人希望政府降低门槛,让无法完成一或两个活动的人也能索偿。

医疗政策顾问林方源医生表示,“首先保险计划必须要划定界限。但残疾不是能简单进行判断的,而是一个有关残疾程度和时间的连续体。我们应保持观望态度,因为日后还可以调整计划把它变得更好。”

政府日后也将加强评估认知障碍对行动能力的影响。医护人员日后将获得更清楚的指导,学习如何更好地评估有认知障碍的患者包括失智症病患。针对保费五年后是否会上涨,分析师相信即便上涨,也不会上调太多。更重要的是,政府已制定机制,能按照情况调整计划,确保计划的可持续性。
​
分析师认为,政府推出这个计划是一个艰难的决定,也可能引起一些反弹,但计划将能提高社会安全网的长期可持续性。

You can also watch my views featured on Channel 8 News 27 May 2018. 
https://goo.gl/WUfUXX 

Source www.channel8news.sg

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