Best Women’s Health Insurance Plans In Singapore And What They Offer

Best Women’s Health Insurance Plans In Singapore And What They Offer
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2021年02月25日13:26:03 0 764

新加坡最佳女性健康保险计划及其提供的服务

Best Women’s Health Insurance Plans In Singapore And What They Offer

根据 新加坡癌症协会的统计,每年有1000多名妇女被诊断出患有乳腺癌。如果这些数字不够清醒,则估计将有400多名妇女死于这种疾病。

According to the Singapore Cancer Society, over 1,000 women are diagnosed with breast cancer each year. If those figures aren’t sobering enough, it’s estimated that over 400 women would die from the disease.

作为女性,我们不仅更容易患乳腺癌,而且更容易感染其他疾病,重症疾病(更不用说分娩并发症)以及您的其他保险计划可能未涵盖的程序。

As women, we’re more susceptible to not just breast cancer, but a whole host of diseases, critical illnesses (not to mention childbirth complications) and procedures that perhaps your other insurance plans may not cover.  

输入女性或女性专用的保险计划-旨在(惊讶,意外)专门解决女性的健康问题。如果您有癌症家族史,这可能是购买的好计划。它提供了额外的保护(您甚至可以免费启动健康检查程序)。不要忘记,早期发现是关键!

Enter women or female-specific insurance plans — designed to (surprise, surprise) specifically address a woman’s health essentials. If you have a family history of cancer, this might be a good plan to purchase. It provides extra protection (and you’ll even get free health screenings to boot). Don’t forget, early detection is key!

为了使您正确了解健康保险计划的领域(如果您想知道, 男性也有),这里有四个针对女性的健康政策及其提供的服务。

To get you properly acquainted with this realm of health insurance plans (in case you were wondering, men have those too), here are four female-specific health policies and what they offer.


  1. 安盛对她的关怀 

  2. 1. AXA CritiCare For Her 

类型:重病计划

Type: Critical illness plan

如果您正在寻找一项可以为母亲和孩子提供保险的计划,那么这就是您的最佳选择。这是一项妇女人寿保险计划,可以准确实现其承诺。保单持有人可以每两年免费进行预防性筛查,以保持自己的健康状况。该覆盖范围确保每个关键疾病阶段均得到解决,并归为四个核心收益,即:

If you’re looking for a plan that provides coverage to both mother and child, this is the one for you. This is a women’s life insurance plan that delivers precisely what it promises. Policy holders get to keep tabs on their health with free preventive screenings every two years. The coverage ensures each critical illness stage is addressed and are categorised as four core benefits, namely:

女性疾病补助金重置 

Female illness benefit reset 

手术利益 

Surgery benefit 

重建手术或植皮的好处 

Reconstructive surgery or skin grafting benefit 

支持福利

Support benefit

承保后,您将可以从该计划的核心利益中索赔最多300%的保额。并且,在支持利益项下还有25,000美元的保障。总共,您可以索取最高保额的3.5倍。由于分叉的可能性很小,这将使任何人都放心。 

Once covered, you’ll be able to make multiple claims of up to 300% of the sum assured from the plan’s core benefits. And, an additional $25,000 cover under the Support benefit. In all, you can claim up to 3.5 times the sum assured. This will put anyone’s mind at ease, as chances of forking out of pocket are slim. 

在保费豁免方面,如果有女性疾病补助金下的索赔要求,则不必担心支付三年。

On the premium waiver front, don’t worry about paying for three years if there are claims made under the female illness benefit.

当然,最高赔付上限为两宗此类索赔(豁免保费),这是由保险总额(女性疾病保险)的50%引起的。此外,在诊断出严重疾病后,父母特别希望为孩子提供$ 5,000的保险。

Granted, it is capped at a max of two such claims (premium waiver), triggered by a combined claim value of 50% of the sum assured (of the Female Illness Benefit). Plus, parents would especially appreciate the $5,000 cover for the child upon a critical illness diagnosis.

徽标,图标:新加坡最佳健康保险©由The Asian Parent提供 最佳新加坡健康保险

2. NTUC Income Lady 360 

类型:定期生活计划

Type: Term life plan

就覆盖范围而言,NTUC Income Lady 360的范围非常广泛。它涵盖特定的女性疾病,女性手术和诊断后支持福利。与AXA的CritiCare For Her相比,在诊断出与女性相关的疾病后,保费豁免在短短两年内就消失了。

还有女性手术福利限额,最多只能索赔要考虑的保险金额的50%。

In terms of scope of coverage, NTUC Income Lady 360 is as extensive as they come. It covers specific female illnesses, female surgeries and post-diagnosis support benefits. As compared to AXA’s CritiCare For Her, the premium waiver loses out slightly at just two years upon a female-related illness diagnosis.

There’s also the female surgeries benefit limit that is only claimable up to 50% of the sum assured to consider.

从好的方面来说,该计划每两年提供一次免费的健康检查,并给您带来巨大的死亡利益(10,000美元),例如,如果乳腺癌的诊断被证明是致命的(敲敲敲打),您将可以放心使用。

On the plus side, the plan offers complimentary health screenings every two years and a sizeable death benefit ($10,000) that would put you at ease should, say, a breast cancer diagnosis proves to be fatal (knock on wood).

可以选择多次索赔,并且仍然可以享受该计划的持续承保,这也是一个不错的选择。但是,请注意,对于女性疾病和抚养费,您最多只能索赔100%的保险额,此后将无法再次索赔。

Having the option to claim multiple times and still enjoy continued coverage from the plan is also a nice touch. However, do note that you can only claim up to 100% of the sum assured for female illnesses and support benefit, after which the benefits will not be claimable again.

3.保诚的信誉

类型:健康保险

计划一天冷冻鸡蛋?如果您是,您将很高兴知道PRULady可以保证卵母细胞冷冻保存(又名卵冷冻)的保额为100%,但这仅是由于女性癌症所致。

但是,即使您不在待办事项上,也有很多值得欣赏的地方。该计划几乎可以完成覆盖困扰我们女性的疾病和状况的工作-我们正在谈论更多的利基手术,例如激素替代疗法和门诊精神病学。

保费豁免也与AXA一样具有竞争力,如果您发现自己患有女性相关疾病,则可以每三年固定一次。

如果您处于某个需要额外保护的生命阶段(例如,带孩子),则可以增加福利,例如住院护理,先天性疾病和/或妊娠并发症。

3. Prudential’s PRULady

Type: Health insurance


Planning on freezing your eggs one day? If you are, you’ll be stoked to know that PRULady covers Oocyte Cryopreservation (A.K.A. egg freezing) at 100% of the sum assured but only due to covered female cancers.


However, there’s plenty to appreciate even if that’s not on your to-do list. The plan pretty much does the job of covering the illnesses and conditions that plague us women — we’re talking even more niche procedures such as hormone replacement therapy and outpatient psychiatric.


The premium waivers are also as competitive as AXA’s, pegged at a three-year duration if you are found to have a female-related illness.


If you’re at a certain life stage where extra protection is necessary (like carrying a child), you can add on benefits to cover things like hospital care, congenital illnesses and/or pregnancy complications.

4. AIA生命的光辉

类型:重病计划

对于重大疾病计划,友邦保险的生命焕发充分涵盖了绝对必要的条件-100%保证的女性可怕疾病(例如癌症,狼疮,关节炎)的保险范围以及一系列女性健康程序,从外科手术修复尿失禁到重建性因烧伤或事故引起的手术报销(最高可索赔保额的100%!)。 

此外,每两年享受一次免费的健康检查,这是此列表中所有以女性为中心的计划的一项定期检查功能。由于不应该掉以轻心,所以如果需要,您也有权寻求第二意见。

也许另一个引人注目的功能是每次您续签保单时,其续保奖金可额外获得本金保额的5%。但是,这个蜜月期仅持续前五年。

4. AIA Glow of Life

Type: Critical illness plan


For a critical illness plan, AIA Glow of Life adequately covers the absolutely necessary — 100% sum assured coverage of female dreaded illnesses (think cancer, lupus, arthritis) and a range of female health procedures ranging from surgical repair of the urinary incontinence to reconstructive surgery reimbursement caused by burns or accidents (up to 100% of the sum assured claimable!). 


Plus, enjoy complimentary health screenings every two years, a recurring feature across all the women-centric plans on this list. As cancer is not to be taken lightly, you’re also entitled to seek a second opinion if need be.


Perhaps another standout feature is its renewal bonus of an additional 5% of the principal sum assured each time you renew the policy. However, this honeymoon period lasts only for the first five years.

SingSaver是一个个人理财比较平台,可提供免费,快速且易于访问的资源,以帮助消费者了解新加坡的个人理财产品;包括信用卡,个人贷款和旅行保险。

本文最初在SingSaver上 发布,并经许可在《 亚洲人父母》上重新发布。

SingSaver is a personal finance comparison platform which provides free, quick and easily accessible resources to help consumers understand personal finance products in Singapore; including credit cards, personal loans and travel insurance.


This article was first published in SingSaver and republished on theAsianparent with permission.

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