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移民新加坡必备的5大保险（新加坡新移民必知！）

在新加坡生活，最重要的是什么？安心啊！尤其是医疗和意外的保障，一定要先做好，才能放心工作、照顾家人。

无论你是保险小白，还是已有一定了解，今天我用最简单的方式，帮你梳理5种重要保险，让你轻松搞懂，秒抓重点！

1. 医疗住院险 (Hospitalisation Insurance / Medical Insurance)

为什么需要？

生病住院在新加坡，尤其是去私立医院，费用真的贵到让人怀疑人生。有了医疗住院险，住院房费、手术费、住院前后检查费，保险都能帮你扛！

保险结构：

新加坡的医疗住院险叫 综合健保计划（Integrated Shield Plan），它包含了政府的基础住院险（Medishield Life）。如果你是公民或永久居民，Medishield Life可以帮你支付公立医院B2或C级病房的大部分费用，但想住更好的病房或去私立医院？必须升级买IP！

小贴士：

外国人没办法用Medishield Life，所以直接买Integrated Shield Plan最省心！

2. 重疾险 (Critical Illness Insurance)

重疾险和医疗保险不一样哦！

  • 医疗险：住院了，花多少报多少。
  • 重疾险：得了重大疾病，比如癌症、中风，保险公司直接赔一笔钱，帮你养病、补收入，减轻全家压力。

为什么越早买越好？

重疾险保费和年龄挂钩，越年轻买越便宜。如果是家里顶梁柱，上有老下有小，更不能省！

保额怎么定？

建议至少买够5年的年收入，比如年入10万，就配50万保额。为什么？因为重病恢复期通常要5年，这笔钱可以帮你安心养病，不用担心生活费！

3. 人寿险 (Life Insurance)

人寿保险是什么？一句话：万一哪天不在了，这份保险金还能替你照顾家人。

谁需要？

有房贷、车贷，或者上有老下有小的，真的不能少。想想看，如果你不在了，谁来供房子、养孩子？

怎么配？

建议保额设定为家庭年收入的10倍。比如年入10万，就买100万保额。这样你拼命打拼的结果还能多陪家人10年，听着也很踏实吧？

人寿险的种类：

  • 定期寿险：保费便宜，性价比高。
  • 终身寿险：保障传承两不误，适合有更高财务规划需求的家庭。

4. 意外险 (Personal Accident Insurance)

意外险能赔什么？

意外险是应对小意外的“救急包”。
例如摔倒骨折不需要住院，医疗险无法赔付，但意外险可以报销医药费、X光费，甚至中医调理费用。

适合人群：

每个人！尤其是爱运动、经常出差，或者家里有小朋友的家庭。保费便宜，但实用性高，人人都该有一份。

它适合谁？

大人小孩都需要，特别是那些爱运动、出差多或者家里有小朋友的，保费也便宜，绝对值得拥有！

5. 投资连结险 (Investment-Linked Policy)

保障保险搞定了后，就必须配置理财保险，预备未来所需的教育金或养老金。

什么是投连险？

投连险将保险和投资相结合，不仅提供基础保障，还可以通过全球基金投资实现财富增值。

  • 收益没有上限，目标年化回报设定为8%（新加坡 MAS 监管局设定的最高预期回报率）
  • 风险取决于基金表现，市场不佳时可能会有亏损。

如何降低风险？

  1. 长期投资：时间是分散风险的最佳工具，投资10年以上亏损概率极低。
  2. 定期定额投资：通过每月小额投资分摊成本，无论市场涨跌，都能稳步累积资产。
  3. 选择优质基金（AI 基金）：这是高端基金（不能在普通的投资交易平台上投资的），过去十年的年华平均收益率在14%~15%。

*AI 基金 = Accredited Investor Fund

适合人群：

  • 注重长期财富增值：对养老规划、教育基金储备有需求的人。
  • 信任专业管理：愿意依赖保险公司专业投资团队的客户。
  • 收入稳定者：投资门槛低适合有长期投资习惯的人群。

下一步？

保险是安心生活的基石，不管是健康、意外，还是财富规划，做好基础保障才是未来幸福的开端。

需要帮你规划适合的方案？欢迎随时联系我！

📞 WhatsApp: +65 86802340
💬 微信 WeChat: lidwinabq

别等意外发生才后悔，早点准备，一生无忧！

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.
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  • 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