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新加坡定期寿险，为何那么火？

最近这半年，来自国内小伙伴有关新加坡定期寿险的咨询，一直都没有间断过，其中被问到最多的问题，主要集中在以下4个：

  • 新加坡的定期寿险真那么便宜吗？
  • 配置新加坡定期寿险需要体检吗？
  • 不去新加坡可以远程签字投保吗？
  • 无新加坡银行账户如何支付保费？

接下来，我会一一回答上述问题，希望可以帮有意投保的小伙伴理清思路。

1）新加坡定期寿险真的很便宜，性价比极高

说真的，不少小伙伴会惊讶于新加坡定期寿险的保费，同等情况下，新加坡要比大陆和香港便宜1~2倍，便宜的确实有些不可思议，关键在国内，基本也买不了那么高的保额。

举个例子，以35岁不抽烟男士为例，100万新币寿险保额，保障30年，每年保费630新币左右，如果保额为200万新币，同样保障30年，每年保费仅为1135新币左右。

上面的保额和保费性价比，放在大陆和香港，基本是无法做到的，按客户的话讲，新加坡定寿几乎是碾压式的存在，真的是没有理由拒绝，省的可都是真金白银。

当然，新加坡定寿之所以风靡亚洲，远不只是它的性价比，另一个重要原因，是新加坡作为主权国家的强大信誉背书，与此同时，新加坡金融监管更加严格，投保流程更为规范，选择在新加坡投保，选择是更多是一份安心。

2）无健康问题，就无需体检，投保更简单

很多小伙伴关心投保是否体检的问题，是这样的，外国客户远程投保，与在新加坡本地投保，标准和规范完全一致。投保时，客户会被要求提交健康问卷，若无健康问题，那么就无体检要求，如存在健康问题或既往疾病，这种情况才会要求提供更进一步的出院或医疗报告，甚至被要求体检，体检可选择在当地的指定医疗机构进行。

在正常寿险之外，还可以选择添加重大伤残和重症的附加险，保费也相当划算。同样以35岁不抽烟男士为例，在100万新币寿险保额之外，再加100万新币重大伤残和30万新币的重症，保30年，每年保费1370新币左右。也就是说，每年投入7000多人民币，就能实现530多万人民币的寿险保费，和160多万人民币的重症保障。

3）无需飞来新加坡，可以远程投保新加坡定寿

远程签字，是小伙伴最为关心的问题。虽说新加坡与中国大陆已互免签证，往来航班也很多，机票也便宜，但不少朋友真的是没有时间飞过来，那么远程签字的实施，真的是方便了很多。至于手续和流程，与在新加坡投保几乎是一样的，基本无额外要求。

除定期寿险、定期重疾险外，新加坡的年金险、指数万能IUL，同样支持远程签字，也同样享受与新加坡本地投保完全一样的后续服务。

在这里，特别提一下指数万能寿险IUL，这是这两年明星级别的终身寿险产品，也是新加坡所独有的寿险产品，相较于传统的终身寿险，保费低、成本低，收益跟随指数，上封顶、下保底，现金回报相对更高，既可以做财富传承，也是一个不错的理财选择（3分钟认识IUL指数型万能寿险）。

4）没有新加坡银行卡，也可以支付保费

有关保费支付的问题，小伙伴也很关心。对于大陆客户来说，一般建议能有香港或新加坡的银行账户，这样比较容易支付保费，如果没有，现在也很容易在线开新加坡银行账户，也无最低资金要求，基本当天可开户成功。除此之外，一个好消息是，如果你有保险公司指定的国内银行的信用卡，那么可实现直接扣款支付保费，是不是又方便了很多？

希望以上有关新加坡定期寿险的回答，可以帮到你。同时我也很感慨，正是得益于网络的互通和便捷，才会不断地打破信息差，让更好的保险产品、更优质的保险服务，可以跨越国界，受益万家。

我是新加坡宗磊，一个帮你投保避坑、助你健康理财的独立理财顾问，期待可以帮到你～

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:

Liang Zonglei 梁宗磊

Financial Advisory Manager丨COT 丨AFP

理财顾问经理 (保险·投资)丨金融理财规划师丨美国百万圆桌COT会员

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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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  • 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。
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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