为什么要够买新加坡定期寿险?

为什么要够买新加坡定期寿险?

1 平均寿命长,保费低廉

《联合早报》2020年10月29日报道:研究发现,新加坡人的平均预期寿命是84.9岁,并且会有73.9年的预期健康寿命,这两者都比全球平均多了至少10年。因此,新加坡的人寿和重大疾病保险保费相对便宜很多。近年由于新冠疫情的影响,预期寿命稍微降低了零点几个百分点,但新加坡仍然是世界长寿的国家之一。

2 政府强制要求,全民投保

新加坡定期寿险费率的优势与新加坡政府大力推行定期寿险有着密不可分的关系。新加坡政府深知国民人寿保障缺口重大,部分家庭由于家庭经济支柱身故之后陷入破产境地,需要向政府申请救济,还产生了一系列的社会问题。新加坡政府认为,这些问题不如交给定期寿险来解决。

可以用中央公积金(CPF)购买的定期寿险就有两个,分别是家属保障计划(DPS)和家庭保障计划(HPS),当公民和永久居民满足一定年龄和条件时就会自动加入,虽然不是强制的,但很少有人会退出这些计划。因为保费便宜,又无需现金支付。

另外,新加坡金管局在2016年开始,强制要求每一家保险公司必须向消费者提供简单、便宜的定期寿险产品,并且推出了一个官方的保险比价网站(CompareFirst),来促进行业正当竞争,降低价格,让利于民。

 3 参保人数多,风险分散

从保险产品开发的角度来看,一个产品的参保者越多,覆盖面越广,其风险发生率就越容易预测,产品的定价也就越准确。什么意思呢?

比如说,在某个地方有1万人口,如果只有100人购买了人寿保险,由于参保比例太小,保险公司可能会担心这些投保人是否因为健康状况不佳或有其他特殊原因才来投保。为了规避这种“逆选择”的风险,保险公司通常会在计算保费时增加一些缓冲,以减少可能的亏损。

然而,如果参保人数增加到1000人,保险公司的顾虑就会减少很多,因为更大的参保群体可以提供更准确的风险评估。这时,保险产品的定价也会更接近应有的水平。简单来说,投保人数越多,风险越分散,保险公司的定价也就越合理,保费相对就会越便宜。

   4 人性化设计

新加坡的定期寿险除了价格便宜,还有许多超人性化的设计,例如:

  • 除外责任少:保险公司规定的免责条款较少,意味着在更多情况下,保险公司都会进行理赔。
  • 可转换(Convertible:投保人可以在定期寿险到期前将其转换为终身寿险或其他长期保险,而无需再次进行健康检查。
  • 保额升级保证:在特定情况下,如结婚、生子或购房,投保人可以选择增加保额,而无需再次进行健康检查。
  • 全残提前给付(Total and Permanent DisabilityTPD:如果投保人因疾病或意外导致全残,保险公司会提前支付一部分或全部保额,以帮助投保人应对经济压力。

购买新加坡寿险是一个需要全面考虑的决定。低廉的保费、人性化的产品设计、某些公司甚至提供便利的远程投保服务以及国际声誉和严格的监管体系,都使新加坡寿险成为一个具有吸引力的选择。然而,在做出最终决定前,务必详细了解相关的法律,并根据个人的具体情况和需求进行综合评估,最后做出决定。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Wang Hongna Anna

您好,我是洪娜Hongna,是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财顾问,拥有6年+的行业经验。

专注于为职场人士和家庭提供全面的财务保障服务,致力于帮助客户建立安全的保障体系和理财方案。特别是成为在新加坡的华人和新移民值得信赖的理财顾问。

专业学术背景和经历

山东财经大学经济贸易本科学位,拥有新加坡银行和金融学院认证,国际金融理财师认证CFP®。过去的学术背景和不断的自我提升,让我具备了坚实的理论基础,使我能够更好地为客户提供财务规划方面的建议。并且坚信终身学习是作为一名理财顾问的基本要求。

从开始的AIA单一保险公司转换到现在的独立理财顾问公司,始终保持以客户为中心,中立,客观的为客户进行财务规划。在基本医疗保险申请索赔和教育,养老规划上有经验。 希望成为您家庭财务的急救工具箱,事先准备好工具(规划方案),并在需要的时候能够快速地,正确地使用工具。

具体提供以下财务规划服务:

  • 风险管理(医疗保险和人寿保险)
  • 财富保障规划,保险规划以及年检
  • 教育养老规划,投资规划以及年检
  • 传承规划(CPF提名,LPA, 遗嘱等)

欢迎链接我,成为您财务保障和规划上的好伙伴。

CFP®️ Certified Financial Planner

Hello, I am Hongna, a senior financial advisor at Financial Alliance, the largest IFA firm in Singapore, with over 6 years of industry experience.

Specialized in offering comprehensive financial protection services for professionals and families, dedicated to helping clients build secure insurance systems and financial plans for themselves and their loved ones. My goal is to become a trusted financial advisor, especially for Chinese individuals and new immigrants in Singapore.

Focus on providing services:

  • Risk Management(Health Insurance & Life Insurance)
  • Insurance portfolio Planning & Review
  • Investment Portfolio Planning & Review
  • Education and Retirement Planning
  • Estate Planning (CPF Nomination, LPA, WILL)

Feel free to connect with me; I look forward to being your trusted partner in financial protection and planning.

如果您希望获得更多保险理财相关的建议和帮助,欢迎联系我

 

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
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  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策