签完了保单,你还应该做哪些事?

这篇文章要聊的是在我们配置保险的过程中比较常被忽略的一个方面。我见过很多客户,签完了保单,就把它完全丢到一边不管了。包括很多保险经纪,当客户签完单就觉得自己的使命结束了。

但其实买了保单以后,仍然有几件事情是我们应该去做的,它们可以帮助我们有效地维护我们的保单,更方便并且全面地了解我们已有的保障,并且简化受益人获得理赔金的过程。

 

01 绑定银行账户自动扣款

第一件我们该做的事,是把保单绑定我们的银行账户,让续期保费可以自动扣款。这么做的原因是尽可能减小因为我们忘记交保费而保单断保的可能性。一旦保单断保,我们原本希望获得的保障就没有了。如果还没超出保险公司允许的复效期限,我们可以选择补交中间落下的保费加上利息,让保单恢复。但是如果我们买的是保障类的保单,在复效之前多了一些新的健康状况,保险公司就未必同意我们的请求了,或者会给我们额外加上一些除外条件,这样恢复后的保障就不像原来那么全面了。

有些朋友不想设置自动扣款,是因为手动付款这个动作让我们觉得可以更好地追踪我们的开销。也有一些客户因为客观原因没有办法绑定自动扣款,比如海外客户没有新加坡本地的银行户,或者购买的是非新币计价的保单。在这种情况下,我们就要留意保险公司发给我们的短信和Email,或者自己设置一些缴费提醒。

 

02 指定保单受益人

第二件事是指定我们的保单受益人。关于这个话题我曾经写过一篇文章来详细介绍,在这里就不赘述了。感兴趣的朋友可以参考:《买完保单,别忘了给你的保单指定受益人》

概括地说,凡是有身故赔偿的保单,包括理财类的储蓄险、年金险、投连险,都可以指定保单受益人。

指定保单受益人主要有三个作用。第一是可以绕过申请“遗嘱验证书”或者“遗产管理书”的流程,让我们的受益人快速、直接地拿到全额的保险赔偿金。第二是可以根据我们的意愿,自由指定受益人和每位受益人的分配比例,不必遵照继承法的规则。第三是可以减少遗产分配过程中可能发生的纠纷。

 

03 让家人或受益人知道我们买了哪些保单

我们应该做的第三件事,是让我们的家人或者受益人知道我们买了哪些保单,这个也是适用于有身故赔偿的保单。因为如果被保人过世,绝大多数情况下保险公司都是无从知晓的,只能靠我们主动去告知保险公司,提出理赔。如果你的家人或者受益人根本都不知道你有哪些保单,那么可能真的就白买了。

我们可以将纸质或者电子的保单复制一份给其他家人或者受益人保存,或者至少告诉他们你在哪家公司买了保单,保单号码是多少。如果因为任何原因,你不希望家人或者受益人过早地知道这些保单,我们也可以把这些保单的信息写在遗嘱或者信托指令里面。

 

04 注册保险公司的个人账户

我们该做的第四件事是注册我们在保险公司的个人账户。新加坡绝大多数的保险公司,只要购买了它的任何保单,就可以注册一个在这间公司的个人专属账户。有些公司是网页版,有些有专门的App。

注册个人账户有几个好处。第一是方便查看我们自己的保单信息,包括完整的保单合同。第二是当我们的个人信息,比如电话号码、住址等等发生变化,我们可以在账户里及时更新。第三是可以比较容易地做一些保单的更改,比如改变缴费方式、提取现金价值,或者调整投连险的基金组合,也有的公司允许在这里提交理赔、申请住院险的预授权。有的公司会将一些重要的通知通过它的App发送给我们,那么注册这个账户就更有必要了。

 

05 保留一份现有保单的汇总

最后一件事,是保留一份我们现有的所有保单的信息汇总。尤其是当我们买了多份保单,管理起来可能比较麻烦,时间长了这些保单保了什么东西也可能淡忘了,如果有一份所有保单主要信息的汇总,对我们会有很大的帮助。

如果是在新加坡本地有Singpass的朋友,我会强烈推荐使用政府去年推出的一个平台,叫做SGFinDex。

签完了保单,你还应该做哪些事? — Engage

它的主要功能就是可以把我们在本地不同的银行、保险公司、新交所的资产信息全部汇总到一起。尤其是保险,我们已经保了什么、有多少保额,在平台上都一目了然。

签完了保单,你还应该做哪些事? — Engage

这里的信息甚至细节到了每份保单的有效期、保额、保费、缴费日期、缴费方式、现金价值等等,可以说相当全面了。

签完了保单,你还应该做哪些事? — Engage

如果没有Singpass,我们自己也可以做一份以上信息的汇总表格,或者请你的保险经纪帮忙整理。

保险在每个人的财务规划当中都是很重要的一环。正是因为它的重要性,我们更应该主动地去管理和维护好自己的保单。

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:

Li Yu 李雨

2008年获SM1奖学金来新加坡留学
毕业于新加坡国立大学,此后进入保险行业,至今已逾7年
至今已为上百个新加坡、中国大陆和台湾家庭提供私人定制的保险与财富管理方案

我的目标:从客户的角度出发,提供中立、专业、全面的保险与财务规划方案,并提供优质、持续的服务

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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/.

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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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  • 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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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