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为什么外国人喜欢购买新加坡保险？新加坡保险的8大优势！

为什么外国人喜欢购买新加坡保险？新加坡保险的8大优势！

新加坡保险市场吸引了许多外国人，这主要是因为以下8大原因：

 

1. 世界级医疗保障

新加坡以其先进的医疗体系和高质量的服务闻名于世。购买新加坡的医疗保险，能为自己在新加坡甚至部分国际医疗服务中提供更好的保障。

  • 本地医疗覆盖：避免在新加坡就医时承担高额费用。
  • 国际化服务：某些保险计划提供全球医疗覆盖，适合经常出差或移民的客户。

注意：只有医疗住院险是卖给在新加坡有身份的外国人，比如，新加坡永久居民和工作/学生签证持有者。

其他的保险，例如，重疾人寿险 (Life Insurance with Critical Illness Coverage) 和指数型万能寿险 (IUL) 可卖给无新加坡身份的外国人（需符合条规）。

 

2. 强势货币保障

新币（SGD）长期以来被认为是稳定且强劲的货币。外国人购买新加坡保险，不仅获得保障，还能享有更强的保值功能，特别是与其他亚洲货币（比如：马币、人民币、港币）相比有贬值风险的客户。

若你想利用此优势理财（低风险），适合购买储蓄险、投资连结险（底层投资基金）以及年金险。

近年来，新加坡保险公司也推出了许多美元 (USD) 保险产品，让客户有更多的选择。

 

3. 灵活的产品选择

  • 定制化保障：新加坡的保险产品是“点餐式”的，可以根据个人需求选择，避免购买不必要的捆绑保障。
  • 支付年限灵活：某些计划允许在短期内缴清保费，但享受终身保障。比如：重疾人寿险（可选择付10年，保终身）
  • 多元化保险产品：有新币和美元的保险。有保障型和投资型的理财保险。

 

4. 理赔流程高效透明

新加坡的保险公司以透明和高效的理赔流程闻名，理赔也可以网上处理，不管你在哪里都可以做。

许多客户反馈在这里处理理赔更快、更简单。

 

5. 投资与财务规划

  • 投资连结保险（ILP）：外国客户可以通过保险实现财富增值，同时获得基本保障。
  • 财富传承规划：新加坡的法律和金融体系严谨，保险产品适合用来规划资产传承，例如：指数型万能寿险 

 

6. 长期居住或工作的需求

对于长期在新加坡工作的外国人来说，购买本地保险既符合签证要求，也提供了更安心的保障，特别是医疗保险。

虽然公司都会给予基本的保障，但还是不够。若一个人真的生重病了，需要很长时间恢复健康。公司只能给你用60天的住院假期，然后礼貌的建议你自行辞职在家修养。

最重要的还是给自己配置适合自己的保障规划。

 

7. 税务优惠（部分情况下）

虽然大多数保险不提供直接税务减免，但某些与退休或医疗相关的计划可能享有税务优惠。

这个优势利于在新加坡工作持有 Employment Pass的高收入人士。可以参阅这篇外国人须知的节税文章。

 

8. 全球认可的安全和信誉

新加坡保险公司在国际上享有良好声誉，其金融市场也受到严格监管 (Monetary Authority of Singapore)。MAS 每年都会根据市场的需求更新合规，确保保险客户的利益不受损害。

 

结论

外国人选择购买新加坡保险，不仅是为了享受高质量的医疗和服务，也是为了长期的财务安全和全球化需求。

若有兴趣了解更多，欢迎联系我，我会根据你的需求为你制定一份专属你的保障和理财规划。

WhatsApp: +6586802340

微信 WeChat: lidwinabq

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:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

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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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  • 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