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马来西亚人在新加坡买保险的8大常见问题（在新加坡生活的大马人的感想）

很多马来西亚人在新加坡工作赚3.5倍的汇率却忽略了最重要的保险。我在这里与大家分享我跟100位马来西亚客户聊天后总结的几个常见问题。其中也包括我（大马人）自己一开始来新加坡有的问题，很庆幸在进入保险行业之后都一一找到解答了。希望这篇文章对正在阅读的你有帮助！

保险分几种，这里我们主要谈到医疗住院险 (hospitalisation insurance)、重疾人寿险 (Life insurance with critical illness coverage) 和意外险 (personal accident insurance)。

 

  1. 我已经在马来西亚有medical card了，还需要在新加坡买住院险吗？

首先，医疗住院险通常是保障你在当地住院治疗时需要付的big hospital bills. 

如果你在新加坡工作或居住，突然身体不适需要入院，来不及开车/买飞机票回大马，你不需要担心这笔费用。

你就会想：“你也可以 claim 马来西亚的保险，也不需要担心这笔费用啊。”

虽然在新加坡治疗时可以向马来西亚的保险公司索赔，但他们通常只会按照在马来西亚进行同类治疗的费用以马币赔付。

例如，一笔SGD 60,000（～RM210,000）的住院费用，可能只能索赔到RM 60,000左右，差不多是三分之一的金额。剩下的差额需要由你自己承担哦。

（这样就花掉你来新加坡工作的积蓄了，违背存钱的初衷。为何呢？）

 

  1. 我是持有工作准证或学生准证的外国人，可以在新加坡买保险吗？

可以。你只要有合法身份（如EP、S-Pass、学生准证等）并在新加坡居住和新加坡的银行账户，可以购买住院险。

如果想买重疾人寿险，没有合法身份也是可以在新加坡购买和受保的（必须符合条规）。

 

  1. 新加坡公民、永久居民 (PR) 和工作准证持有者的保险选择有区别吗？

主要的保险都没有。但是，政府推出一些医疗政策帮助减轻公民和永久居民的住院险负担。那是利用他们的公积金 (CPF)来缴付他们一部分的住院险保费。

可阅读这篇公积金 (CPF)里的 Medisave 的文章以了解更多。

 

  1. 如果我以后回大马居住，新加坡的保单仍然有效吗？

一般来说，只要按时缴费，保单仍然有效。但要注意：住院险对与海外理赔或治疗有所限制。

还需跟你的保险经纪确认细节因为每份保险各有条规。

 

  1. 我在马来西亚已经有买保险了，跟新加坡的有什么不同？

通常马来西亚的保险是5-in-1，是 combo menu. 但是，新加坡的保险是一个一个分开的 ala-carte menu。所以你要看清楚你买的是什么保险，还有考虑汇率和货币强度。

马来西亚的5-in-1 保险包括：

(1) 重疾人寿险 (critical illness)

(2) 住院险 (hospitalisation/medical card)

(3) 意外险 （personal accident）

(4) 身故赔付（death benefit）

(5) 投资（investment）

这个5-in-1保险需要缴付终身的。你可以用保单里的现金价值 (cash value）来缴付一定期限的保费但不是一辈子。

新加坡的保险是根据你的需求配置给你，缴付保费的年限也有不同。有些是缴付特定期限，然后就保障一辈子。

 

  1. 如果我是没有新加坡合法身份的马来西亚人，可以买新加坡保险吗？还有如何支付保费？

可以买新加坡的保险。你也可以通过在新加坡开银行账户或马来西亚信用卡支付，有些保险公司也允许通过网上银行 (Internet banking) 或电汇 (Telegraphic Transfer) 支付完成缴费。

每家保险公司有不同的支付条规。在购买之前，需了解清楚。

 

  1. 我想了解新加坡的保险细节和条规，要如何做？

欢迎联系我，WhatsApp +65 86802340 或者微信 lidwinabq. 我会一一为你解答，并且根据你的需求制定一份专属你的保障规划。

 

  1. 我买了新加坡和马来西亚的保险，不确定自己买了什么也看不懂policy细节？我需要放弃其中一边的吗？

欢迎联系我，我帮你做免费的 policy review，帮你整理好你的保障，根据你的需求给你第三方的建议（second opinion）。

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. 

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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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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  • 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
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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.
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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