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人口趋势对（私人）综合健保计划保险公司的可持续性构成挑战

新加坡预计今年将步入“超高龄”社会，而老龄化人口将罹患更多慢性疾病并需要医疗保健

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Genevieve Cua

Genevieve Cua

Published Thu, Apr 9, 2026 · 07:00 AM
    • 新加坡生育率下降及65岁以上人口比例上升，对（私人）综合健保计划保险公司的风险池构成不利影响。
    • 新加坡生育率下降及65岁以上人口比例上升，对（私人）综合健保计划保险公司的风险池构成不利影响。 图片来源：PIXABAY

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    【新加坡】所有七家提供（私人）综合健保计划（Integrated Shield Plans，简称IP）的保险公司都刚刚推出了新设计的附加保险。根据卫生部的要求，这些附加保险不再涵盖住院账单中的自付额部分，并且共同负担的上限从3000新元提高至6000新元。

    新的附加保险平均比旧的附加保险便宜约30%，并且根据不同的保险公司，节省的费用可能更为可观。

    对保单持有人而言，代价是更高的自付费用。让保单持有人支付更大份额的住院账单，有望抑制医疗保健的过度消费。

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