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外国人可以在新加坡购买保险吗？Can Foreigners Buy Insurance in Singapore?

新加坡作为一个国际化大都市，吸引了来自世界各地的外籍人士定居、工作或旅游。您是否知道，外籍人士也可以在新加坡购买寿险？无论您是永久居民、工作准证持有者、长期探访准证持有者，甚至是短期旅行者，新加坡都为外籍人士提供了多种寿险选择。

在本文中，我将详细介绍外籍人士如何在新加坡购买保险、不同身份下可购买的保险类型，以及需要注意的限制。让您在新加坡找到最适合的保险计划。

为什么外籍人士选择在新加坡购买保险？

新加坡拥有世界上最稳定和发达的金融体系之一，并且以严格的法规和高效的治理闻名。以下是新加坡成为外籍人士购买保险热门地点的主要原因：

  • 全球金融中心：作为亚洲的金融枢纽，新加坡拥有众多国际顶尖保险公司，产品种类丰富且竞争力强。
  • 严格的监管体系：新加坡金融管理局（MAS）对金融和保险行业实行严格监管，确保消费者权益。
  • 稳健的经济与强势货币：新加坡元（SGD）的稳定性为财富保值和传承提供了强大的支持。
  • 国际化医疗系统：购买寿险后，您可以享受到新加坡高质量的医疗资源和服务。
  • 全球覆盖：在新加坡购买的寿险产品通常在全球范围内有效，无论您将来移居到哪个国家，都能享受保障。

外籍永久居民（PR）在新加坡可以购买哪些保险？

作为永久居民，您享有与新加坡公民相似的保险购买权益。以下是您可购买的保险类型：

可购买的保险类型：

  • 所有现金支付的寿险和健康险产品
  • 使用 CPF（公积金） 支付的保险，包括：
    • HPS（住房保障计划）：为组屋房贷提供保障
    • DPS（家属保障计划）：低保额定期寿险
    • 综合健保计划（Integrated Shield Plans）：升级版医疗保险
    • Careshield Life 及其补充计划：长期护理保险

限制：

  • 某些高风险国家的永久居民（如伊朗）可能无法购买部分保险产品。
  • 美国及日本公民可能因税务问题无法购买带有现金价值的寿险（如储蓄型寿险、投连险ILP）。

工作准证持有者在新加坡可以购买哪些寿险？

持工作准证（如EP、S Pass）的外籍人士同样可以购买大部分现金支付的保险产品。以下是具体情况：

可购买的寿险类型：

  • 所有现金支付的寿险和健康险
  • 通过 SRS（补充退休计划） 支付的寿险，享受税务优惠

限制：

  • 无法购买需使用CPF支付的保险，如HPS、DPS、Intergrated Shield Plan和Careshield Life。
  • 保险公司可能要求工作准证持有者购买较高档的住院保障，保费稍高。
  • 某些高风险国家的工作准证持有者可能被限制购买寿险。

家属准证、学生准证、长期探访准证持有者可以购买哪些寿险？

非工作准证持有者（如家属准证、学生准证持有者）同样可以购买现金支付的寿险产品，但面临以下限制：

限制：

  • 无法购买需使用CPF支付的保险，如HPS、DPS、Intergrated Shield Plan和Careshield Life。
  • 如果无法证明收入来源，可能会被拒绝购买寿险。
  • 某些高风险国家或地区的居民可能被限制购买寿险。

短期旅行者可以在新加坡购买哪些寿险？

短期旅行者（如旅游或探亲）在新加坡购买寿险的选择相对有限，但仍有一些高端产品可以选择：

可购买的保险类型：

  • 定期寿险
  • 万能寿险
  • 储蓄类保险
  • 投资型保险ILP

限制：

  • 无法购买CPF或SRS支付的保险。
  • 保额会有上限，且需支付更高保费。
  • 通常情况下需要在新加坡境内完成购买流程；疫情之后有一些保险公司开放跨国远程签单，如全美（Transamerica、Singlife等）。

外籍人士在新加坡购买保险的优缺点

优点：

  1. 稳定的金融体系，适合财富保值和传承。
  2. 强劲的保险产品和国际覆盖。
  3. 高效的法规保障消费者权益。

缺点：

  1. 外籍人士可能需支付更高保费，尤其是来自高风险国家的居民，原因是保险可能会加价。
  2. 使用非新加坡银行账户支付保费可能更复杂，汇款会有手续费。不过也可以来新加坡开设新加坡银行账户，这个问题将不再是问题，相反还可以将自己的资产分散。
  3. 外籍人士在母国可能面临潜在的税务问题（主要为CRS税务交换）。

总结

无论您是长期居住新加坡的外籍人士，还是短期访问者，在新加坡购买保险都是明智的选择。它不仅能为您和家人提供全面保障，还能在全球范围内享受稳定的保险服务。

如果您对如何选择适合的保险产品有任何疑问，欢迎随时联系Katrina。Katrina将根据您的需求，为您量身推荐最合适的保险方案！

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.

Published By:

Katrina Cao Shaoxin

长期居住在新加坡的宝妈一枚，是一名专业的独立财务顾问，就职于新加坡最大的独立财务公司，鑫盟理财（Financial Alliance)，代理17家人寿保险，33家财险，11家投资平台，70多个基金公司合作，始终站在客户立场，为客户规划最优方案。

专注于做外国人及新移民在新加坡的资产及保险配置，以及企业特别是出海的初创企业在新加坡的财险以及员工福利配置。

崇尚素质教育，更热衷于IB体系，孩子的教育归根于玩中学，并在玩中触发孩子对学习的热爱并自觉探索。希望有相同理念的家长可以共同讨论孩子教育。

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  • 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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  • 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。
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  • 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。
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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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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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