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新加坡与香港保险对比

新加坡还是香港？很多人选择保险时，总会在新加坡和香港之间摇摆不定，毕竟这两地都是成熟的金融中心，保险产品页非常丰富。这篇文章帮大家分析一下新加坡和香港保险的分析，以及对比。

  1. 新加坡保险与香港保险的综合对比
  2. 两国的监管制度
  3. 产品设计与侧重点不同
  4. 签单便捷性

 

新加坡保险与香港保险的综合对比

新加坡与香港保险对比 — Engage

 

 

以下为考量选择新加坡或香港保险的核心点，

 

监管制度：新加坡更严格，香港更灵活 

新加坡金融监管局，强制新加坡的保险公司是用 Risk based Capital 2 (风险为本的资本框架) 制度。简单来说，新加坡的保险公司必须根据自身的风险敞口持有充足的资本储备，以确保它们在金融波动中依然具备偿付能力。这种稳健的制度使新加坡的保险市场更安全、稳定，尤其在人寿保险和储蓄保险方面，长期保障和收益的信誉都很高。

香港的保险监管相对宽松，7月2024 刚实施 Risk Based Capital 1 制度。RBC1对资本储备没有RBC2 严格，这使得香港的保险公司在投资策略上有更大的自由度，可以在更高风险的资产类别中寻求更高的回报，但同时也给保单带来了更高的风险

从政治与法律的稳定性、金融监管和信用评级等角度来看，新加坡作为一个独立国家，具备一定的优势。而相比之下，香港作为中国的特别行政区，未来的发展可能受到国际形势及中国国内政治经济变化的影响，存在一定的不确定性。

“投资在中国,保值在海外，境外资产配置是对冲政治风险的方式”

 

产品设计与侧重不同：新加坡注重保障，香港追求增值 

新加坡和香港保险，都有全面丰富的险种，包括人寿保险、重疾险、IUL,，储蓄保险等。但在产品设计上，它们的侧重点有所不同。 新加坡的保险篇追求的是保障，以及稳定性，香港保险追求收益率，以及保单增值。

新加坡的消费型保险，比如定期寿险，重疾。保障比较全面，早期重疾也可以100%赔付，保费有绝对的优势。
例如，30岁VIP 男士，定期寿险，保到60岁，100万新币保额，每年保费仅有 477.85 新币。

而储蓄类型，和分红类型的保单。新加坡的保单收益率 (储蓄保险 / 分红类产品）保证收益率高，非保证收益率比较实际。
香港的保单收益率 (储蓄保险 / 分红类产品）保证收益率低，非保证收益率高，但是波动也比较大。

新加坡保单更透明，每年会公布分红基金的表现，以及底层资产。

新加坡与香港保险对比 — Engage

新加坡金融管理局（MAS）规定，新加坡保险公司的分红基金，60-70%+ 是固定收益类资产，比如新加坡政府的证券，30%~是股票。而香港保险是30%~是债券，70%~股票。

而且历史平均收益率有真实数据作为参考，短期长期产品都有分红历史记录。保单收益率也是采用了”Smoothing Bonus” 好的年份不多给，预留给不好的年份，从而保证坏的年份也不少给，收益比较稳定，风险也比较小。

 

额外考量：新加坡支持远程签单

部分的保险产品可通过线上，远程签单。可远程签单产品：定期寿险，重疾，万能人寿 (IUL)，储蓄分红，年金险，投连险。这帮客户省下了时间和成本，且我们的团队有丰富的远程签单经验，能够为客户提供高质量的远程服务，保证签单流程顺利进行。

 

 

两地的保险都他们自己的优势，重要看客户的预期和风险承受能力。在购买任何保险产品之前，请充分了解合同条款、保费结构、投资风险以及其他相关信息。无论您是本地居民、外籍人士，我都能根据您的需求定制保险计划，并帮您了解各类产品的优劣。

欢迎咨询 

微信: strrstarrynight
Whatsapp: 93828067

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:

Liu Aoyang

 

独立理财顾问，健身私教，美术老师。
健康是生命的基础，财富是生命的资源，情感与自我表达是生命的美与快乐。我喜欢认真了解每一个客户，每个人都有自己独特的故事，创造出合适与专业的理财方案。
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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