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新加坡最值得购买的5种保险

大家好，我是joey，一名从业12年的新加坡资深财富管理顾问。

新加坡的保险行业非常发达，保险性价比也比较高，不论是在新加坡生活，还是在海外想进行跨境资产配置、财富规划，选择一款适合自己的保险产品都是非常有必要的。

今天就来给大家介绍5款在新加坡最值得购买的保险。大家记得点赞收藏。

 

新加坡保险整体可以分为两类。

第一类是提供保障和传承的保险。另一类是负责理财储蓄的保险。

我们挨个来讲，先来看保障传承类。

 

 

首先，是新加坡的重疾险。

 

主要有3个优势。

 

第一点是新加坡的重疾险，轻症可以做到100%赔付。

 

现在大家对身体健康状况是越来越关心了，很多人每年都会进行一次常规的体检。其实很多时候我们查出重疾的时候，都是轻症。

新加坡的重疾险就可以直接赔付100%的保额，而不是只按照一定的比例赔付，比如只赔20%或30%的保额，小额赔付解决不了当下的难题。

 

第二点是，新加坡的重疾险可以做到全球赔付。

 

现在在全球旅居的朋友非常常见，如果买了新加坡的重疾险，不管你是在哪个地区发生了重疾，都可以进行赔付。

而且也可以用不同的身份进行购买，并不仅限于新加坡的居民，像中国大陆的客户，找我买重疾险的也非常多。

 

 

第三点是，新加坡重疾险的免体检额度非常高。

基本上每家公司都在100万新币以上，当然具体年龄不一样，最后要求也不一样，但整体来说对于健康体免体检比较高。

 

 

接下来，我们来看新加坡的寿险。

 

 

寿险里比较热门的是定期寿险和新加坡iul，它们最重要的两个功能就是身故保障和财富传承。

定期寿险一般是20年，30年，或者保障到特定年龄，比如75岁，85岁等等，最高的有保到99岁的。

新加坡定寿最大的优势是杠杆高，保费便宜。

假设40岁，不抽烟的男性，200万新币的保额。定期寿险选择保障到85岁，保费仅需3.1K 新币一年，保单生效后，立马能撬动人民币一千万的保额，总的杠杆也高达近15倍。

 

 

IUL的优势是集合了保障+理财两种属性，下有保底机制，可以降低我们投资指数的风险。

IUL一般是保障终身，而且大部分公司也可以无限变更受保人，让保单传承多代，保障更久。你还可以指定受益人和受益人的比例，通过扩大杠杆，花最少得钱通过身故理赔金的形式给到想要给的人。

在身故杠杆上。40岁，不抽烟的男性，200万新币的保额，IUL的保费也仅需11万美金，杠杆高达近10倍，如果身体非常健康，体检后是最优体的话，杠杆可高达10倍以上。

 

 

讲完了保障传承类的保险，我们来看看新加坡理财储蓄类的保险。

首先是分红储蓄险。

它的收益结构比较特殊，主要由两部分构成：固定回报+分红。

固定回报是可以保证的，而分红是不保证的，其中分红收益主要来源于年度红利RB和终期红利TB。

 

 

红利的多少，主要取决于保险公司的投资表现和当年的分红情况。

目前，新加坡mas金融监管局规定所有新币的分红险预期回报必须按照3%和4.25%来演算，相对比较保守稳健。

而美金产品的预期回报更高，保底收益可以达到年化1.5%左右的复利，预期回报能达到每年4%左右的复利。

 

 

 

其次是投连险。

纯理财的投连险，也叫做101投连险。

虽然它的名字叫保险，但更像是一个投资全球的具有一定锁定期的基金组合

这类保险，熟悉投资的朋友很喜欢。

风险更大一些，预期回报也更强，年化收益甚至可以超过10%。

而且它可以跟很多知名资管机构的基金组合挂钩，收费也非常透明，可以轻轻松松参与全球市场的投资。

 

 

为什么称为101呢？主要是指这类保险，在身故保障方面，会赔偿投资组合市场价值和本金的101%，两者中更大的那个，而且通过简单的指定受益人表格就可轻松实现财富传承。

如果担心风险大，长期采取定投的方式，能有效降低波动，让收益更稳。

 

 

以上就是新加坡比较受欢迎的几类保险了。

如果你也对新加坡的保险感兴趣，或者想结合自己的实际情况，做一个全面的财务规划，欢迎留言沟通。

 

我是Joey，一名从业12年的新加坡资深理财顾问。如果你想详细了解这个产品更多细节，或者想根据自己的情况做一个测算，欢迎留言

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

10余年新中两地保险投资理财从业经验，倾听客户需求，私人定制每一位客户的财务计划；

我的信念：我们每个人都能通过合理的理财规划，实现财务安全，财务独立最终实现财务自由。

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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
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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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  • 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