全球精英都选的新加坡保险,到底好在哪里?

为什么越来越多人来新加坡买保险?

新加坡作为全球知名的金融中心,它的保险产品吸引了不少外国人,尤其是中国客户的目光。今天,我想跟大家聊聊新加坡保险的优势哪些产品值得买、以及如何购买,让你对新加坡保险有一个全面的了解。

 


1. 新加坡保险的独特优势

① 性价比超高
相比中国本地或者香港,新加坡的保险真的很划算!尤其是寿险,保费比中国便宜很多,性价比无敌。而且中国客户跟新加坡本地人享受同样的费率,没有额外的溢价。

 

② 保额选择更大
在中国,寿险的保额一般封顶150万人民币,重疾险50万人民币。但在新加坡,寿险没有上限,重疾险可以保到50万新币(约250万人民币),这对一线城市的家庭来说更符合需求。

 

③ 投资回报更高
新加坡的保险公司投资全球项目,赚取的回报更高,尤其是买分红型保险的客户,长期收益更加可观。

 

④ 货币稳定
新加坡保险有新币和美金两种货币选择,尤其新币挂钩一篮子贸易货币,非常稳定。如果你想对冲人民币贬值的风险,新加坡保险是一个很好的工具。

 

⑤ 避税传承更高效
新加坡没有遗产税!当被保人身故,受益人可以100%免税拿到赔偿金,用来完成财富传承的目的。

 

⑥ 监管严格,安全可靠
新加坡金融管理局(MAS)对保险行业的监管非常透明严格,客户权益得到极大保障。同时,新加坡还是一个主权独立国家,政治环境稳定,资产配置更安全。

 


2. 哪些保险产品值得买?

① 寿险(定期或终身)
寿险的主要功能是保障家庭的经济支柱意外离世后,家人的正常生活。

  • 定期寿险:适合用于短期保障,比如家庭开销、房贷等。
  • 终身寿险:更适合用来财富传承。

特点:保费便宜、保额高,而且即使是终末期疾病(如生存不到12个月),也可以提前获得赔偿。

 

② 万能险
既有保障功能,又可以投资,灵活度很高。

  • 一次性缴费,获得高杠杆保障。
  • 投资部分可以选择让保险公司打理,或者自己操作基金、股票等。

适合:高净值客户,用来财富传承和遗产分配。

 

③ 重疾险
作为国内社保的补充,能赔付早、中、晚期重疾。

  • 保额高、等待期短(通常90天)。
  • 新加坡对37种重疾定义统一,非常清晰。

 

④ 高端医疗险
有海外医疗需求的人可以选择这款,覆盖范围广,服务非常贴心。

  • 全球直付,不需要垫付医疗费。
  • 提供疫苗、产检、牙科等额外服务。

 

⑤ 储蓄分红型保险
保本、低风险,还能提供稳定的投资收益,适合孩子的教育储备或退休规划。

 

⑥ 投资型保险
适合有投资经验的客户,收益潜力大但不保本。

  • 超过100支全球优质基金可选,投资转换零手续费。
  • 万一受保人身故,赔偿账户金额或本金的101%(取高者)。

 


3. 如何购买新加坡保险?

购买流程其实很简单:

  1. 先和保险顾问沟通
    确定你的保险需求,设计初步方案。
  2. 健康申报与预核保
    根据你的健康资料,判断是否需要体检,以及保费或条款是否有调整。
  3. 来新加坡办理手续 (有些可以远程开户)
    一般建议待2-3天,完成体检和申请流程。如果没特殊情况,保单5个工作日内就会生效。
  4. 缴费方式
    首次缴费支持信用卡、电汇或银行转账,后续可以通过新加坡本地银行账户自动扣款。
  5. 理赔方便
    索赔时只需邮寄材料到保险公司,赔偿款会直接电汇到你的账户。

 


 

下一步?

若你想了解新加坡全方位的理财规划(包括保险/投资/资产分配),欢迎联系我, WhatsApp +65 90088276 或者微信bigwusister.

 

我是宇思,和你一起看世界。

微信:bigwusister / WhatsApp:90088276

新加坡全牌照理财顾问

Representing Financial Alliance Pte Ltd

Singapore Largest Independent Financial Adviser

#保险 #重大疾病保险 #健康保障 #新加坡 #财务规划 #年轻人理财 #早期准备 #养老规划 #IFA #独立理财顾问 #hospital #insurance

 

全球精英都选的新加坡保险,到底好在哪里? — Engage

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.

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  • 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.
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  • 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).
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  • 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。
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  • 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