在新加坡买保险可以减税吗?(在新加坡工作须知!)

在新加坡买保险可以扣税/节税/减税吗?

在新加坡,购买保险和相关储蓄计划虽然不是直接的减税免工具,但某些特定情况和账户安排可以帮助你有效节税。以下是详细说明:

1. 公积金 CPF 相关的医疗保险

MediShield Life 和 Integrated Shield Plan (IP)

  • 您支付的 MediShield LifeIP 基本保费 可用 Medisave 扣除,但这 Medisave 部分金额本身不享有额外税务减免。

附加险 (Rider)

  • 附加险需用现金支付,不提供税务优惠。

2. 人寿保险减税

作为外国人,由于没有公积金账户(CPF Account),你可以通过以下方式享受保险减税:

  • 符合条件的人寿保险
    你为自己或配偶购买的合规人寿保险保费,可享受高达 5,000 新币 的税务减免(不包括为子女购买的保险)。

    • 例如:若你支付 4,000 新币的保费,可将此金额从应税收入中扣除,从而降低税负。

3. 自愿性公积金充值(Voluntary CPF Contributions)

  • 外国人无法享受此项减税,但公民或永久居民 (PR) 可通过 为自己的 CPF SA 或 MA 账户充值,获得每年高达 8,000 新币 的税务减免。

4. 补充退休储蓄账户(SRS Account)减税

  • SRS是 Supplementary Retirement Sum.
  • 最高额度外国人每年可存入 最高 35,700 新币;公民和永居(PR)每年可存入最高13,500新币,从而减低应税收入 (taxable income)。
  • 节税实例
    若您的年收入为 135,700 新币,向 SRS 存入上限 35,700 新币,您的应税收入将降至 100,000 新币,节省可观的税款。
  • 退休规划与PR申请加分SRS 有助于积累退休储蓄,同时展示长期财务规划能力,这可能对申请新加坡永久居民身份(PR)产生积极影响。

5. 职业相关保险

某些职业需求的保险可能符合税务扣除条件,例如:

  • 企业主为员工提供的保障性保险。

6. 赡养与抚养相关税务减免

若你为家人提供保障或承担赡养义务,可能通过以下方式获得税务优惠:

  • 赡养老人税务减免为父母或祖父母支付医疗费用符合税务减免条件。但保费本身通常不直接减税。
  • 赡养父母减税(你的父母在新加坡跟你同住)若其中一位年满55岁,去年收入不超过4,000新币,并在新加坡居住超过八个月,你可以获得9,000新币的抵税额。
  • 配偶减税若你的配偶去年年收入低于4,000新币,那么你有机会享有2,000新币的配偶抵税额。

7. SRS 和投资结合的潜力

  • 你存入 SRS 的金额可以用于投资,例如股票、基金或年金计划。这不仅让你的资金保值增值,还享有税务减免的双重好处。

8. 投资类保险计划(Investment-linked Policy)

购买投资连结保险计划(ILP)本身不享有税务优惠,但长期增长可助力退休储备,与其他投资结合形成全面财务规划。

总结

通过合理利用 SRS 账户、合规人寿保险和公积金相关计划,你可以实现节税与保障规划的双赢策略。
如果您对保险减税或全面的财务规划有任何疑问,欢迎随时联系我!

📞 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.

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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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  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 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.
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  • 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