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中国大陆客户购买新加坡保险投资产品指南

近年来，越来越多的中国大陆居民发现了新加坡保险市场的魅力。新加坡保险产品以其独特的优势吸引了大量客户前来投保。尽管与香港保险相比，新加坡保险尚未达到井喷的程度，但其增长速度非常快。许多客户甚至特地坐飞机到新加坡购买保险理财产品。本文将详细介绍大陆客户在新加坡购买保险的注意事项，以便大家在投保过程中更加顺利。

1. 购买新加坡保险的流程

入境新加坡并签署文件

投保人及受保人需要亲自前往新加坡，持有入境白卡和护照。保险经纪会根据客户的需求安排见面地点，通常是在客户方便的地方或保险公司洽谈。当双方达成一致后，客户需要签署相关文件。

身体检查及银行开户

根据实际购买的保险产品，客户可能需要进行免费的身体检查。部分产品（如医疗保险、投资理财）无需体检。如果有需要，还可以前往新加坡银行开户，方便日后的自动缴费。

缴纳首次保费

首次保费金额较小时，可以使用中国信用卡或现金支付。若金额较大，则需要准备支票。整个购买过程大约需要一个整天，因此建议客户在新加坡停留两天一夜。

后续流程及保单生效

保险经纪会帮助处理后续流程。新加坡保险的审批过程非常严谨，寿险的审批时间可能长达3-4周，而投资和医疗保险通常在1-2周内完成。审批通过后，保险公司将根据客户选择的付款方式扣款，保单生效，并将保单文件寄送至客户在中国的指定地址。

2. 新加坡保险的理赔流程

新加坡的保险理赔严格遵循新加坡金融管理局的监管规定。与大陆“宽入保，严理赔”的方式不同，新加坡采用“严入保，宽理赔”的政策。这意味着新加坡保险公司在投保时会对客户的健康状况、家庭经济情况、家族病史等进行严格审核。一旦保单生效，理赔过程将严格按照保单条款执行。

理赔步骤

客户在理赔时无需再次前往新加坡。只需准备好理赔资料，通过保险经纪或直接快递至保险公司办理手续。理赔金将以支票形式寄至客户在中国的地址，或直接打入客户指定的大陆银行账户。

3. 新加坡保险的缴费方式

首次缴费

首次保费可以使用中国信用卡支付，若金额较大可选择银行支票。

续保缴费

续保时，客户可以选择以下几种方式缴费：

  1. Giro自动扣款：客户授权保险公司在保单续保到期日从新加坡银行账户自动扣款。
  2. 网上银行支付：通过新加坡银行的“网上转账”功能直接缴费。
  3. AXS缴费机：在新加坡的AXS机器上缴纳保费。
  4. 国际支票：将银行支票寄给保险公司。
  5. 现金：可以直接支付现金，由朋友或经纪代缴。

4. 新加坡保险的安全性

受法律保护

新加坡保险公司明确规定，境外客户需要亲临新加坡签字，提供护照和入境白卡信息。这样保单才会被新加坡的保险公司审批通过，并在全球范围内有效。

5. 新加坡保险的风险

货币波动风险

新加坡保单通常以新币或美元结算。货币汇率波动会影响保单的现金价值及最终回报。投保时应选择相对人民币稳定的币种。

境外法律保护

大陆客户在境外购买保险，不受大陆法律保护。新加坡的保单受新加坡法律保护，但若发生复杂纠纷，可能需要亲自前往新加坡解决。

6. 新加坡保险与香港保险的比较

优势

  1. 政府监管严格：新加坡政府清廉，金融监管严格，政治稳定，经济繁荣。
  2. 货币选择多样：新加坡的保单可选择新币或美元，货币稳定性高。
  3. 良好的生活环境：新加坡空气优良，人民友好，客户可顺道旅游观光。

劣势

  1. 距离较远：新加坡距离大陆较远，需要乘坐飞机前往。
  2. 语言障碍：新加坡保单主要为英文，相对香港的繁体字保单，可能存在语言障碍。
  3. 严格审核：新加坡的保险审批和管理比香港更严格，部分客户可能面临保费增加的情况。

7. 总结

准备工作

在购买新加坡保险之前，客户应充分了解新加坡保险的流程、缴费方式及理赔流程。与保险经纪充分沟通，确保所有问题都得到解答。

合理选择

根据自身需求选择合适的保险产品和币种。考虑到新加坡保险的严格监管和高标准服务，可以为客户提供可靠的保障和优质的投资回报。

风险评估

评估货币汇率波动和法律保护等潜在风险，做出明智的投保决策。

新加坡保险市场以其独特的优势吸引了越来越多的中国大陆客户。通过本文的介绍，相信大家对新加坡保险的购买流程、理赔方式、缴费方式及其安全性有了全面的了解。希望这篇指南能为有意向购买新加坡保险的客户提供有价值的参考信息。如果有进一步的问题，欢迎联系专业保险经纪寻求帮助。

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 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:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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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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  • 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.
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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