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解读新型（私人）综合健保计划附加保险的思考框架

除了了解医疗保健和保险的偏好，个人也应准备充足的应急资金

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    • 在新设计的附加保险下，您可能需要动用更多的公积金保健储蓄户头存款，来支付更大部分的住院账单。
    • 在新设计的附加保险下，您可能需要动用更多的公积金保健储蓄户头存款，来支付更大部分的住院账单。 照片：商业时报档案

    Lorna Tan and Shawn Lee

    Published Fri, Apr 3, 2026 · 02:00 PM

    本文由AI辅助翻译

    查看原文

    住院（私人）综合健保计划（Integrated Shield Plan, 简称IP）附加保险的格局正在发生重大变化。

    从4月起，新售卖的IP附加保险必须遵循更严格的成本分摊框架，旨在鼓励人们审慎使用医疗保健服务。

    简单回顾一下，IP附加保险是可选的、仅限现金支付的附加保障，旨在覆盖标准IP不予理赔的自付费用部分，即自付额和共同承担保险。

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