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打工人来新加坡拥有的第一份保险

新加坡作为一个繁荣的国际大都市，吸引了大量来自世界各地的打工人前来寻求职业发展。对于许多初来乍到的新加坡员工来说，他们的第一份保险通常是由公司提供的集体保险。这种保险不仅是员工福利的一部分，也为他们提供了在异国他乡生活的一份保障。

公司集体保险的主要保障

公司集体保险一般包括以下几方面的保障：

  1. 医疗保险： 公司集体医疗保险是最常见的福利之一。它通常涵盖门诊和住院费用，有些公司还提供牙科和眼科检查的报销。这对于在新加坡高昂的医疗费用环境下工作和生活的员工来说，显得尤为重要。
  2. 人寿保险： 许多公司会为员工提供一定额度的人寿保险，以保障员工在意外身故或重大疾病情况下，家属能够得到一定的经济补偿。这不仅是对员工的一种关怀，也是对其家庭的一份保障。
  3. 意外保险： 意外保险涵盖因意外事故导致的伤残和身故。它不仅包括工作中的意外，也涵盖了员工在非工作时间的意外情况。这为员工在日常生活中提供了全面的保障。
  4. 失能保险： 部分公司还会为员工提供失能保险，这种保险在员工因疾病或意外导致无法工作时，提供一定的收入补偿，帮助员工度过经济上的难关。

如何利用好公司集体保险

  1. 了解自己的保障范围： 新员工应详细阅读公司提供的保险手册，了解自己所享有的各项保障内容及具体条款。明确保险覆盖的范围、理赔流程及需要注意的事项。
  2. 按时体检和健康管理： 利用公司提供的健康检查和保健福利，定期进行身体检查，关注自己的健康状况，及早发现和预防潜在的健康问题。
  3. 咨询HR或保险顾问： 如果对保险条款或理赔流程有疑问，可以随时向公司人力资源部门或指定的保险顾问咨询，确保自己在需要时能够顺利获得理赔。

结语

对于初来新加坡的打工人来说，公司提供的集体保险不仅是一个重要的福利，也是生活在新加坡的一份重要保障。通过了解和利用好这些保险福利，员工可以在新加坡安心工作和生活，更好地规划和保障自己的未来。

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 unbiased 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:

JOAN FANG 方琦琼

40岁的你，是否也曾在某个深夜问自己：未来几十年，我能不能安心生活，优雅老去？

为家庭拼过，为责任扛过，走到这一站才发现：中年人最大的底气，是拥有“确定的未来”。

* 当收入放缓，你是否有一份伴随终生、不离不弃的现金流？

* 当意外突袭，你是否有足够厚实的屏障，守住身后的家人？

* 当责任卸下，你是否有说走就走的自由，去过真正想要的生活？

深耕行业10年，我做的从来不只是保险，而是陪你把未来想清楚，把余生安排好。

让退休不只是“凑合过”，而是有尊严的“享生活”；
让财富不只是“会花完”，而是可以领一辈子；
让人生下半场满是选择，而不是身不由己的妥协。

我始终相信，人生最好的状态，是某天你可以笃定地说：我准备好了。

如果你也正处在40+的节点，来找我聊聊。
我们一起把未来规划清楚，体面地生活，优雅地变老。

At 40, have you ever found yourself asking late at night:
In the decades ahead, will I be able to live with peace of mind and grow old with grace?

After striving for your family and carrying your responsibilities, you arrive at this stage and realise:
The greatest confidence in midlife comes from having a certain future.

When your income slows, do you have a lifelong stream of cash flow that stays with you?
When unexpected risks strike, do you have a strong enough shield to protect your loved ones?
When your responsibilities are lifted, do you have the freedom to go where you want and live the life you truly desire?
With 10 years of deep experience in the industry, what I offer goes far beyond insurance.
I help you think through your future and plan the rest of your life with clarity and confidence.

So that retirement is not about “getting by,” but about living with dignity and enjoyment;
So that wealth is not something that simply runs out, but something that can support you for life;
So that the second half of your life is full of choices, not compromises beyond your control.

I’ve always believed that one of the best states in life is being able to say with certainty:
“I’m ready.”

If you’re also at the 40+ stage, let’s have a conversation.
Together, we can plan your future clearly—so you can live with dignity and age with grace.

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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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  • 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。
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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