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浅谈新加坡保险 | 高净值人士必备的三种保险，你都有了吗？

高净值人士 (High-Net-Worth Individual, 简称HNWI) 具有独特的保险需求。财富越大，风险敞口越大，高净值人士需要先进的保险解决方案来保护他们的资产。从全民保险到高价值艺术品和收藏品的专业保险，高净值人士有多种选择。这期带您了解一些适用于高净值人士的先进保险解决方案，并讨论这些解决方案如何帮助保护他们的财富。

 

1. 万能险

万能险是一种永久性人寿保险，既提供死亡抚恤金，也提供现金价值。对于需要终身保险并希望在保护资产的同时积累财富的高净值人士而言，这种类型的保险是一个强大的工具。万能险在保费支付方面提供灵活性，允许保单持有人随着他们的财务状况，时间的变化和家庭情况的改变调整他们的保费和承保范围。此外，一些保单提供投资户头价值的选择，使保单持有人能够参与投资市场以增加他们的财富。万能险也可以成为 传承规划的有用工具，它所提供的免税身故赔偿可用于支付遗产税并将财富转移给子孙后代。

 

2. 高端医疗保险

所谓健康无价，医疗保险是不可或缺的。高端医疗保险是指对一系列医疗服务和治疗提供全面保障的健康保险。这种类型的保险通常是为需要获得顶级医疗服务和设施的高净值人士设计的， 全球通用。高端医疗保险通常承保高级诊断测试、专业治疗和实验疗法， 替代疗法等服务。需要获得最佳医疗服务和设施的高净值人士可以选择高端医疗保险，以确保他们获得尽可能高品质的医疗服务。

 

3. 高端财产险

大多数的高净值人士都有一些收藏爱好。珠宝 ，手表，红酒，艺术品和收藏品等等， 所以高端财产险是保护高净值人士资产的一个重要方面。收藏品可能更加独一无二价值连城，如果丢失或损坏则损失巨大。高端财产险承保一系列风险，包括自然灾害、盗窃和意外损坏造成的损坏。除了为物理损坏提供保险外，一些保单还可以提供针对欺诈和伪造的保护。

 

总之，保险是高净值人士保护其财富和资产， 转移不可预见的风险和不确定性影响可能造成的损失的重要工具， 高净值人士应将保险作为其整体财富管理和保护策略的重要组成部分。

我们有经验丰富的保险专家，可以为您和您家人提供全面定制的保险建议。我们了解每个高净值人士都是独一无二的，具有独特生活方式和不同的风险敞口。这就是为什么我们与客户密切合作以评估他们的保险需求并提供量身定制的解决方案来解决他们的特定风险和顾虑。

 

如果对新加坡保险、资产配置，欢迎联系新加坡全牌照独立理财顾问：jolysse 邬宇思

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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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.

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