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马来西亚 vs 新加坡定期寿险，到底有什么不一样？【真实案例对比】

很多在新加坡工作的外国人，尤其是马来西亚人，其实并不知道 ——
新加坡的定期寿险（Term Life Insurance）或房贷寿险（Mortgage Insurance）不仅保费实惠，而且对外国人非常友善！

最近我就遇到好几位来自马来西亚的客户，主动来询问新加坡的定期寿险方案。

他们发现：自己在马来西亚缴的保费，竟然比在新加坡还贵！

这是为什么呢？

其实，马来西亚的定期寿险常常和投资型基金（如 Investment-Linked Policy 或投连险）绑定一起销售。

这类产品虽然具有一定的现金价值，可以在经济困难时用来抵扣几期保费，
但相对的，每年保费也会更高，不适合只想“纯保障”的朋友。

反观在新加坡，保障和投资是完全可以分开的。
若你只是想要一份简单、纯粹、划算的保障——

那么，新加坡的定期寿险可能更适合你。可参考以下的图表简单了解这两个产品的差别。

以下是我根据客户提供的保单资料，整理出的一份马来西亚 vs 新加坡定期寿险对比表，让你快速看懂两地产品的主要差异：

对于以上的案例，虽然保费缴付期不同，但是新加坡定寿的总保费还是比马来西亚定寿来的便宜。

其实投保定期寿险的最主要的目的是获得足够的保额和保障。其次是保费的可持续性。按照这两个因素，你就知道选择哪一个的保障产品更适合你。

先把保障的部分做好，我们就可以把剩下的钱来做投资，最好是可以覆盖全球的投资组合。

常见问题解答

Q1：两国定期寿险保单都买，会重复理赔吗？
可以。前提是各自独立投保、非重复申报。可用双重保障减轻家庭负担。前提是你有足够的现金流。

Q2：我是马来西亚人，可以直接在新加坡买定期寿险吗？
可以，不需要有工作准证也可以投保定期寿险的。而且还不需要飞进来，线上签名和用信用卡付款就好了。

Q3：新加坡的寿险会很贵吗？
看年龄，定期寿险其实是最便宜的寿险类型之一，30岁健康男性投保SGD 1mil保额到85岁，每年保费大约SGD 1000左右。

这也是大概RM3,300 投保 RM3,300,000的保额。赔付的杠杆非常高，很划算。

若是你想了解新加坡寿险，📱 随时联系我：
WhatsApp: +65 8680 2340
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 unbiased 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.

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Lidwina Teo 维娜

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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.
  • 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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  • 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。
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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