新加坡卫生部长王乙康：终身护保计划每月赔付额增649新币

议员连荣华先生（武吉班让选区）提问卫生部长

（a）因为终身护保计划（CSHL）是首次实施，目前每月赔付金额怎样；

（b）保费与赔付的经济效益是否可以进一步改善。

王乙康（卫生部长）：终身护保计划（CSHL）的赔付于2020年开始，每月600新元，每年增加2％，该增长率将持续到2025年。2024年成功申请赔付的个人每月将收到649新元的赔付，并在严重残疾期间无需再支付保费。

终身护保计划由政府以非盈利模式管理，保费基于精算原则计算。该计划的一个重要特征是终身制，当投保人年轻且不太可能残疾时，保费会提前支付。而理赔通常发生在投保人年老之后，此时保费将停止支付。由于大多数保单持有人相对年轻，许多人尚未提出索赔，因此使用保费与赔付比例来评估保险计划的定价和经济效益是不合适的。

一个独立的终身护保计划理事会将定期审查，基于精算之后的调整框架，提出调整保费和赔付金额的建议。

Mr Liang Eng Hwa asked the Minister for Health (a) what is the range of monthly payout of claims made under CareShield Life since it was first implemented; and (b) whether the premium-to-claim economics can be further improved.

Mr Ong Ye Kung: CareShield Life (CSHL) payouts started at $600 per month in 2020 and increase by 2% annually until 2025. An individual who makes a successful claim in 2024 will receive monthly payouts of $649 and will not need to make further premium payments for as long as he remains in severe disability.

CSHL is administered by the Government on a not-for-profit basis, with premiums sized based on actuarial principles. An important characteristic to take note of is that the scheme is designed on a lifetime basis, where premiums are frontloaded when someone is young and unlikely to become disabled and claims will most likely happen when the person is old, after which payment of premiums will be suspended. As most of the policyholders are relatively young and many have yet to make claims, it is not appropriate to use the premium-to-claim ratio to assess the pricing and economics of the insurance scheme. An independent CSHL Council will regularly review and recommend changes to premiums and payouts, in accordance with an actuarially sound adjustment framework.