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为何外国人热衷购买新加坡保险？揭秘其8大亮点！

为何外国人热衷购买新加坡保险？

新加坡的保险市场因以下8大优势吸引了众多外国人，这篇文章将一一为大家解析：

 

1. 卓越医疗保障

新加坡以其先进的医疗体系和高质量服务著名。购买本地医疗保险可以为自己提供更好的保障，适用于新加坡及部分国际医疗服务。

本地医疗保障：能避免在新加坡就医时承担高额费用。
全球化服务：部分保险计划提供全球医疗覆盖，适合常出差或移民的客户。

˜注意：医疗住院险仅限有新加坡身份的外国人购买，如永久居民和持工作/学生签证者。其他保险，如重疾人寿险和指数型万能寿险，可供无新加坡身份的外国人购买（需符合相关规定）。

 

2. 稳定货币的保障优势

新币（SGD）长期被认为是一种稳定且强劲的货币。外国客户购买新加坡保险不仅能够获得保障，还能享有货币保值功能。尤其是相比于其他亚洲货币（如马币、人民币、港币）可能面临贬值风险的客户来说，优势更为明显。

如果您想借此优势进行低风险理财，可以考虑购买储蓄险、投资连结险（底层投资基金）以及年金险。

近年来，新加坡保险公司也推出了多款美元（USD）计价的保险产品，为客户提供更多选择。

 

3. 灵活多样的产品选择

  • 定制化保障：新加坡的保险产品非常灵活，可以根据个人需求定制，避免购买不必要的附加保障。
  • 灵活支付年限：某些计划允许在较短时间内缴清保费，但享受终身保障，比如重疾人寿险（可选择10年付清，保终身）。
  • 保险产品多样化：新加坡提供多种保险选择，包括新币和美元保险，有保障型和投资型的理财保险，满足不同客户的需求。

 

4. 理赔流程快捷清晰

新加坡的保险公司以其简明高效的理赔流程著称，理赔申请可以通过网络完成，方便客户随时随地操作。

许多客户反映，在这里处理理赔程序来得更迅速、更便捷。

 

5. 投资与财务规划

  • 投资连结保险（ILP）：外国客户可以通过保险实现财富增值，同时获得基本保障。
  • 财富传承规划：新加坡拥有完善的法律和金融体系，保险产品在资产传承规划中具有重要作用，例如：指数型万能寿险（IUL)。

 

6. 长期居住或工作的需求

对于长期在新加坡工作的外国人，购买本地保险不仅满足签证要求，还能提供更全面的保障，特别是医疗保险。

虽然公司会提供基本保障，但往往都不足够。如果生重病需要长时间康复，公司的住院假期通常只有60天，然后可能会建议你辞职休养。

最重要的是根据自己的情况，选择合适的保障计划。

 

7. 税务减免（部分情况适用）

虽然大多数保险计划不能直接减税，但一些与退休或医疗相关的保险产品可能享有税务优惠。

这个优势特别适合持有就业准证（Employment Pass）的高收入人士。

 

8. 全球认可的安全性与信誉

新加坡的保险公司在国际上秉持良好声誉，其金融市场受到新加坡金融管理局（MAS）的严格监管。MAS每年根据市场需求更新标准规则，确保客户权益得到充分保障。

 

结语

总得来说，外国人选择购买新加坡保险，不仅是为了获得优质的医疗和服务，还为了确保长期的财务安全和应对全球化的需求。

 

若想了解更多信息，欢迎随时联系我，我将根据你的需求为你量身定制保障和理财计划。

微信号：a19842182457 或 WA：+65 9465 3813

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 unbiased 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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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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  • 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。
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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