官方参考资料

2026 年综合健保计划附加险规定

Name: 2026 年综合健保计划附加险规定
Creator: Interest.sg

供 Interest.sg 附加险自付额情景计算器使用的版本控制参考资料，说明最低设计机制与计算器所采用的条件假设，并非保险公司理赔表。

当前资料－已验证

资料日期: 2026-04-01 · 最后成功检查: 2026年9月2日

2026 年 4 月 1 日起的新附加险设计规定

2026 年 4 月 1 日起的新附加险设计规定
项目	卫生部规定	计算器处理方式
Minimum IP deductible	New riders cannot cover the MOH minimum IP deductible	Applied before the co-payment and limited to the eligible bill
Co-payment rate	Minimum 5% remains unchanged	Editable only in manual terms mode
Annual co-payment cap	Minimum S$6,000, excluding the minimum IP deductible	Remaining cap is reduced by qualifying co-payments already paid
Cap conditions	Cap applies only to eligible claims such as panel or pre-authorised claims	Cap is applied only when the user confirms the condition assumption
MediSave	Deductible and co-payments may be paid with MediSave subject to prevailing withdrawal limits	No MediSave eligibility or final cash amount is estimated

卫生部综合健保计划最低自付额
保障／医疗环境	最低自付额	应用方式
Class A / private	S$3,500	Per policy year
Class B1	S$2,500	Per policy year
Class B2	S$2,000	Per policy year
Class C	S$1,500	Per policy year
Day surgery / short stay — non-subsidised	S$2,000	Per policy year
Day surgery / short stay — subsidised	S$1,500	Per policy year

住院所需最低自付额按综合健保计划目标保障级别与实际使用病房级别两者中的较低金额计算。同一保单年度内的多张账单可累计达到自付额。

旧版与 2026 年附加险背景
组别	自付额	最低年度上限背景
Legacy rider	May be covered depending on the rider terms	S$3,000 under the earlier minimum framework
New rider from 1 April 2026	MOH minimum IP deductible must be paid by the policyholder	S$6,000 excluding the minimum deductible

旧版合约各有不同。旧版预设只作历史框架参考，必须按用户的保单条款核实。

卫生部示例——A 先生
步骤	金额	计算
Eligible bill used in example	S$56,900	MOH Annex B
Private-hospital deductible	S$3,500	Paid first
Post-deductible amount	S$53,400	S$56,900 − S$3,500
5% co-payment	S$2,670	5% × S$53,400
Illustrated patient share	S$6,170	S$3,500 + S$2,670

输入相同合资格账单与附加险假设时，计算器会重现此计算逻辑；不会推断其他账单符合资格或可获理赔。

官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。

引用建议：Interest.sg，《2026 年综合健保计划附加险规定》，资料日期 2026-04-01，最后成功检查 2026年9月2日。