哪位老师给说说DPS , Eldershield 这类保险？

ZRHEIHEI · 发表于 13-11-2013 09:16:13|来自：新加坡

都是你不吭声他就给你按上的那种。保费由ＣＰＦ帐号里往外按年扣。
但是好像保到一定程度就不管了。　ＤＰＳ－６０岁。eldershield 涅－－６５吗？

值得保留吗？还是把钱用到别的保险上？

又多少人知道自己被自动按上这类保险的？我查了一下．我是ＯＰＴ　ＯＵＴ了一个
保留了一个。昨天果断中止咧。
　

freesoul99 · 发表于 13-11-2013 10:20:37|来自：新加坡

我也搞不清楚这些保险，但好像没有OPTOUT过，只记得有一个基本保险升级成INCOMESHIELD，我的意思是就让它扣着呗，反正没多少钱。到目前为止用的都是公司群保，没用过个人的。

小五 · 发表于 13-11-2013 10:25:53|来自：新加坡

dps是身故 eldershield是丧失工作或生活能力的保险如果你没有私人的保险政府的就先留着吧也花不了多少钱

童緯強 · 发表于 13-11-2013 11:42:52|来自：新加坡

本帖最后由童緯強于 13-11-2013 23:17 编辑

ＤＰＳ：用ＣＰＦ　ＯＡ支付，万一死或60岁前残废会获得＄４６，０００。
ElderShield：用MediSave支付，万一在６５後残废可每月获得＄３００或＄４００，一直到６０或７２个月为止。
ElderShield也可向大东方、Aviva或NTUC申请追加保障，万一６５岁後残废每个月拿多一点钱，或钱拿久一点（１２０个月或到死都有）
可参考：
http://www.moh.gov.sg/content/da ... upplements_1Aug.pdf

bigmice · 发表于 13-11-2013 13:22:50|来自：新加坡

鸡肋产品,好处是不用出现金而已。索赔条件高,如需要此类保单最好向保险公司买,不需要就opt-out.

eastman47 · 发表于 13-11-2013 14:48:30|来自：新加坡

我公司的茶水安娣
老公57岁时去世
还好有买dps 拿到四万六
帮大儿子买了一辆车
。

ZRHEIHEI · 发表于 13-11-2013 16:18:57|来自：新加坡

eastman47 发表于 13-11-2013 14:48
我公司的茶水安娣
老公57岁时去世
还好有买dps 拿到四万六

如果60以后挂了。谁不是就不管了？

eastman47 · 发表于 13-11-2013 16:24:58|来自：新加坡

ZRHEIHEI 发表于 13-11-2013 16:18
如果60以后挂了。谁不是就不管了？

Mr Kwok suggested raising the Dependants' Protection Scheme (DPS) age limit of 60 years to 80 and beyond.The DPS is a low-cost term-insurance scheme aimed at helping young dependants with a sum of money to tide over the initial difficult period in the event of a Central Provident Fund member's permanent incapacity or death.If the DPS age limit were to be extended beyond 60 years, members who wish to be covered would have to pay substantially higher premiums.For example, annual premiums for cover between the ages of 60 and 65 years would be more than three times those of the cover for those between the ages of 55 and 60.Members aged 60 and above would be better served by saving this money for their retirement needs instead of purchasing further cover, especially since their children would likely have already started work and would no longer depend on them for income.Members who wish to purchase life insurance for cover beyond the age of 60 can still do so from private insurers.