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新加坡 | 孩子的第一张保险要怎么买？两张保单我认真比较了！

🚼 为孩子配置终身保障，哪一张保单更合适？

最近有家长问我：「你觉得 AIA 的 whole life 跟 Singlife 的 whole life 哪个好？」🤔
我花了整整一晚整理了这两份计划，来跟大家分享最关键的几点，适合给 15 岁以下的孩子配置保障型保单的爸妈参考～

一、基础资料对比

 

新加坡 | 孩子的第一张保险要怎么买？两张保单我认真比较了！ — Engage

 

1、AIA

优势：

· 保障期更均衡：CI（重疾）保至75岁，身故保至100岁。

· 保障结构更完整：包含Early CI保障，保障额度固定，不随年龄降低。

· 公司历史悠久，分红稳定性高：近10年平均投资回报率达 3.9%，略优于 Singlife。

· 分红在较长期时潜在更高：80岁后 surrender value 增速更明显。

不足：

· 保费几乎是 Singlife 的两倍：虽然保额一样，但每年要多缴近 $1,500，缴费期还更长。

· 短期退保价值较低：前10年退保几乎拿不到多少钱。

· 费用偏高。

· 早期疾病保障只保到75岁。

 

2、Singlife

优势：

· 保费显著更便宜，总保费约为 AIA 的一半。

· 缴费期短，仅需10年：更快轻松完成缴费。

· 保障期限更长，主保终身有效：保至120岁，适合长寿规划。

· 退保价值提升速度快：中后期退保收益显著，65岁退保时可达 $113,582。

· Illustrated Yield 稍优：在4.25%投资假设下，收益略高于 AIA。

不足：

· 早期疾病保障（Early CI）在85岁后每年减少：每年减少12.5%，8年后降为0。

· 分红基金波动较大：2022年投资回报为 -13.57%，比 AIA 更剧烈。

· 总保障额度下降趋势明显：85岁后身故保额也下降（从50万降至10万）。

 

二、疾病种类覆盖上的详细对比分析

 

新加坡 | 孩子的第一张保险要怎么买？两张保单我认真比较了！ — Engage

 

1、Singlife

覆盖内容：

全阶段覆盖：包括 早期、过渡期（Intermediate）和晚期（Severe） 三个阶段的 CI。

全面覆盖59种重大疾病，远超LIA规定的37种标准重大疾病范畴。

注意：

虽然疾病种类多，但Early CI 保额会在85岁后每年下降。

某些疾病如非侵入性癌、皮肤癌、T1前列腺癌等属于除外责任。

 

2、AIA

覆盖内容：

采用LIA标准的37种重大疾病定义，并加入早期疾病额外 Rider（Early CI Rider），保障至75岁；

注意：

· 其疾病保障范围略小于 Singlife，大约涵盖了45至50种疾病（包括早期阶段疾病）。

· 若已赔付早期重大疾病，后续的赔付金额将从主保额中相应扣除。

 

三、总结比较表

 

新加坡 | 孩子的第一张保险要怎么买？两张保单我认真比较了！ — Engage

💡 孩子的保险，应该看什么？

不是最贵的最好，而是「保障够用 + 保费能负担 + 能陪他长大到成年以外」。
如果你的预算比较宽裕，又想锁定中长期保障，AIA 结构稳；如果你希望10年轻松缴完，还能保到一百多岁，Singlife 是性价比之王 👑

总结建议

预算有限、希望快速完成缴费，保费压力小

✅ Singlife Whole Life Choice

长期财富传承（如规划留给下一代）

✅ Singlife（因保至120岁）

希望投资收益较稳健

✅ AIA（长期平均回报略高）

新加坡 | 孩子的第一张保险要怎么买？两张保单我认真比较了！ — 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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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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