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新加坡保险配置思路

上一期文章我们讲了有条件的话还是应该给小孩子配备一份重疾险。这一期我们聊一下这个条件是什么样的条件，怎样才是保险配置的正确思路。

首先从大的原则来讲，一个家庭的保险配置它应该遵循双十原则，即保费的总额不宜超过家庭收入总额的10%，保额达到家庭收入的10倍。保额我们当然是希望越大越好，但是高的保额也就意味着高的保费，保费如果超过收入的10%，这将会是一个很大的财务负担，短期来讲可能问题不大，但长期来看可能就会存在断保的风险。保险是一个长期的产品，所以无论是从健康保障的角度或者说是从财务角度而言，断保的损失都是相当大的。

第二个原则就是要抓大放小，先考虑主要风险，再考虑次要风险。家里的主要风险是什么呢？就是为家里创造现金流的能力被意外打断的风险。所以创造现金流的人面临的风险才是家庭的主要风险，需要首先保障。家庭的经济支柱是第一需要考虑的被保人，小孩和老人才是第二需要考虑的被保人。有一部分家庭在配置保.险时，因为对孩子的爱，往往家庭的经济支柱保险都还没有配备好，却给孩子考虑这个风险，那个风险，但是要知道父母才是孩子最大的保障。所以我们上期说的，有条件的家庭可以给孩子配备一份重疾险，这个条件就是指的家里的经济支柱的重疾险都已经满足了之后，预算还有余额，才考虑孩子的重疾险。

第三就是保额大小的考虑要优先于保障时间长度的考虑。如果预算没有问题，当然这就不是一个考虑的范围。如果手里面预算紧张，那么配置保险时，就是优先考虑保额要充足，然后才是保障时间的长短。等今后预算不紧张之后，可以再补充购买新的保险。保险的配置从来都不是一次性到位，都是根据实际情况，修修补补的一个动态的过程。

以上就是保险配置的大框架和思路，希望对您有所帮助。

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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Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

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您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

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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/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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