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【乐龄健保计划】 国人希望提高赔偿额 延长赔偿期限

19/5/2018

 
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卫生部数据显示,截至2017年,本地约66%40岁到84岁的国人,拥有乐龄健保计划。过去几年退出计划的比率已减少,年满40岁国人的退出率约5%。其中约35%的投保人,还购买了附加险。分析师相信,人们选择加保是因为现有计划赔偿额有限。但日后推出的加强版乐龄健保,预计能让更多人受惠。
许荣发已离世的母亲,曾是乐龄健保受保人。她在85岁时,因生活无法自理,每月可获得300元赔偿额,为期五年。许荣发希望加强版乐龄健保可调高赔偿额,并延长赔偿期。

乐龄健保计划受保人儿子许荣发 说:“300元是不够请一个女佣,只是刚好够我们用他基本喂食器材、牛奶、尿片。每个月需要差不多整千块的开销。”

分析师表示,国人要更高的赔偿额,就需支付更高的保费。因此乐龄健保检讨委员今年1月就建议,把加入计划的年龄从40岁提前到30岁,而且强制不能退出。

星融理财顾问行政总裁谢诏全说:“强制这个两个字眼,很多人听了就不爽。你若从保险的角度来讲的话,越多人受保,你就有越多的风险承担,保费是可以减低。”

另外分析师也认为,政府应从三大外包保险公司手中,收回乐龄健保的管理。

谢诏全说:“因为他的宗旨是要为全国人提供一个社会安全网,少了需追求利润的宗旨。可能那些低收入的家庭,政府可以提供津贴。”
​

卫生部估计,在所有年满65岁的健康国人当中,有一半的人在一生中会有严重残疾的风险。一般受保人开始索偿的中位数年龄是66岁.


​Watch my views featured on Channel 8 news 19 May 2018: ​

​Source: ​www.channel8news.sg


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