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为什么许多人会选择去新加坡购买定期寿险

当今世界，人们越来越重视个人风险管理和保障，保险作为一种重要的风险管理工具，逐渐得到广泛的应用。然而，不同国家和地区的保险市场情况千差万别，消费者在选择保险产品时也需根据实际情况做出合理的决策。

在亚洲地区，新加坡的保险市场备受瞩目，其定期寿险产品备受消费者青睐。本文主要探讨为什么很多人会选择到新加坡购买定期寿险，并与香港和中国的保险市场进行对比，以期给消费者提供更加全面和客观的参考信息。

 

1、费用

首先，关于费用问题，以香港和新加坡为例，我们可以通过对比两地的保费水平来了解其中的差异。一项针对2019年的数据调查发现，在购买相同保额的40年期定期寿险时，新加坡的保费要比香港低出约50%左右。

 

2、产品条例

其次，新加坡的保险产品条款也较为灵活。例如，新加坡的保险公司通常会为客户提供可选附加险种，如意外身故、意外伤害等，以增加保障范围。此外，一些新加坡的保险产品还具有多重理赔特性，如“重疾重复赔付”、“轻症赔付”等，使保险产品更加贴近消费者的需求。

 

3、保险监管机制

最后，新加坡的保险监管机构也十分严格。新加坡金融管理局（MAS）负责监管新加坡的金融业务，其中包括保险公司。MAS对保险公司进行严格审查，以确保保险公司遵守法规、保障消费者的利益。此外，新加坡还设有一个独立的保险消费者理赔委员会，旨在帮助消费者解决与保险公司的纠纷。

以上例子表明，新加坡的定期寿险市场相对于香港和中国来说，具有更多的优势。购买新加坡的保险产品可以享受到合理的费用、灵活的保障条款以及严格的保险监管机制，保障您和家人的生活和安全。

 

总结，保险是一项重要的风险管理工具，选择合适的保险产品和市场也是十分重要的。在了解各国和地区保险市场的情况后，消费者可以做出更加明智的选择，以保障自己和家人的生活和安全。

如果对新加坡保险感兴趣的话，请联系独立理财顾问：Jolysse 邬宇思，微信号：Yusi_Wo

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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JolysseWu 邬宇思

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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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  • 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.
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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/.

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