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2025新加坡保险业「新动向」，时代变了！

近日，新加坡寿险协会（Life Insurance Association Singapore）发布了2024年保险行业报告，内容涉及新保单和保费数据，理赔和到期赔付数据，以及销售渠道（财务顾问）的统计数据等。

透过这些数据，我们可以窥探新加坡保险业的一些新变化和新动向，一定程度会影响到你2025的投保决定；与此同时，这份数据，也很好解答了一些客户对保险存在的误解。那么今天我简单做个总结，希望为有意投保的你一些参考。

第一，保险不是没有用，反倒是卖的越来越多

新加坡寿险协会发布的数据显示，2024年单一保费保单（Single Premium）较去年增加了7.3%，常年保费保单（Annual Premium）增幅高达25.2%，整体加权保费获得了19.7%的增长，加权新保单保费达58.7亿新币。

住院险方面，综合健保双全计划（Integrated Shield Plans）和附加险（rider）的加权新保费达5.56亿，同比增长49.1%。

可能还会有些人对保险存在误解，会觉得保险没有用，那么2024年新增的58.7亿保费，都是谁在买单呢？其实不难理解，正是由于这些年经济前景不明朗，不确定性或偶发因素增多，于是更需要保险来分散或平衡风险，保险的魅力就在于，为你在这个不确定的世界里，添加一份确定性。

第二，保险到底靠不靠谱？看理赔数据就一目了然

数据显示，2024年新加坡全年身故和重大伤残的理赔金额为10.34亿新币，重大疾病理赔金额为9.13亿新币；与此同时，为到期保单支付了161.7亿新币，2024年理赔和到期保单支付金额为181.2亿，较2023年增加了33.4%。

对比2024年新保单保费58.7亿，181亿的理赔和支出金额还是蛮庞大的。有投保，有理赔，有支付，这才是保险的常态。

在新加坡，所有保险公司的运营，都要获得金融管理局（MAS）的批准，并接受其严格监管，以确保保险公司遵守透明、公正和稳健的经营原则。理赔方面，也相对透明高效，这也是越来越多海外客户选择新加坡投保的重要原因。

第三，不满足于储蓄收益，与基金挂钩的投资连接险ILP大增

由于经济前景不明朗，不确定性增多，再加上常规储蓄收益较低（但稳定），使得不少客户选择投资联结保险（ILP），在获得人寿保障的同时，又可累积财富。根据人寿保险协会数据，2024年投资联结保单较2023年大幅增长41%，从2023年的15.98亿增加至2024年的22.53亿。

众所周知，新币储蓄和美金储蓄保险，一直都是新加坡的热销产品，凭借稳健收益和确定性特点，获得了很大青睐，像耳熟能详的教育储蓄、退休储蓄、储蓄年金等，相信你我都有配置。

从去年数据来看，一些客户已不再满足于储蓄保险的稳定收益，而是想通过配置投资连接险，来获得相对更高的回报。投资连接险，主要与基金挂钩，一般采用每月或每年定投的形式，风险相对可控，中长期的收益空间很大，比较适合做教育和退休规划。

第四，选择财务顾问投保，已成市场主流

尽管去年宏观环境艰难，但新加坡寿险总保费仍取得3.6%的同比增长，然而你知道吗？选择通过财务顾问（FA Representatives）投保的比重，上升到了40.7%，成为市场的主流；而销售单一保险公司保单的经纪（Tied Representatives）下降到了33.3%，银行渠道更是跌落到了17.8%。

这个结果可能让很多人意外，但这就是事实。不是客户的需求变了，而是时代变了。随着自媒体和AI时代的到来，投保的信息差逐步被打破，客户需求是不变的，就是寻找适合自己的产品，如果仅局限在一家保险公司，显然不能满足这个需求，毕竟每家保险公司都有它的拳头产品，也并不是一家保险公司的所有产品都具备性比价。

因为财务/理财顾问，尤其是独立财务顾问的存在，很好的契合了客户的需求，通过一个理财顾问就可以做到多家对比，全面打破信息差，众里挑一，不选贵的，只选对的，为客户选择适合自己需求的保险产品。

正所谓，让专业回归专业，让纯粹回归纯粹。

我是独立理财顾问经理宗磊，帮你投保避坑，助你健康理财，期待可以帮到你！如果你对独立财务顾问行业感兴趣，欢迎咨询了解！

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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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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