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新加坡保险的优势，哪些产品值得入手？

新加坡，不仅是全球金融中心，也是移民和投资的热门目的地。在这个亚洲四小龙之一的国家，保险产品越来越受到高净值人士的青睐。那么，为什么要考虑买新加坡的保险呢？

1）新加坡在全球金融领域的领先地位有很多优势。其地理位置得天独厚，是太平洋和印度洋的黄金水道中心，这使得国际物流、资金流、信息流在这里汇聚。政治稳定、法治严明，低税负更是吸引了无数企业在此设立亚洲总部。这一切都为新加坡打造了一个金融体系健全、法规完备、治理高效的国际化环境。

2）新加坡保险的优势体现在多个方面。首先，保险产品支持多种货币，如新币或美金，与一篮子主要贸易国家的货币挂钩，确保汇率相对稳定。监管非常严格，政府对金融系统风险零容忍，使得保险市场的产品更趋于稳健。而且，新加坡是低税负国家，与多个国家签署了避免双重征税的协议，无资本利得税和遗产税。此外，新加坡实行无限制的外汇管理制度，成为全球第三、亚洲第一大外汇交易中心，资金自由流动，无外汇管制。

接下来，我们继续了解新加坡保险市场中的一些备受欢迎的险种和产品。

  1. 定期或终身寿险： 这两种寿险产品在新加坡市场备受青睐。定期寿险适用于家庭中的经济支柱，而终身寿险则更关注财富传承。相较于其他国家，新加坡的保费更为便宜，可选的保额也更高。此外，产品灵活，适用于不同的保障需求。
  2. 万能险： 新加坡的指数型万能寿险（IUL）颇受欢迎。这类产品不仅具有寿险保障，还与全球大盘挂钩，成本相对较低。这使得投资者能够享受到投资增值的同时，保障风险较低。
  3. 重疾险： 新加坡的重疾险产品在覆盖范围和等待期上相对较为优越。新加坡人寿保险协会（LIA）对37种晚期重疾进行统一定义，且等待期通常为90天，为高收入人群提供了更全面的保障。
  4. 高端医疗险： 针对高净值人士和有海外医疗需求的客户，新加坡的高端医疗险提供了全球直付、广泛的医疗保障范围以及24小时国际医疗援助，为投保者提供全面而便捷的医疗保障。
  5. 储蓄分红型保险： 这类保险产品保本且低风险，是一个较为稳妥的增值选择。新加坡所有分红型保险的计划书一律使用最高4.75%的年投资回报率来计算收益，而且产品设计多样，适应客户的不同需求。
  6. 投资型保险： 根据客户个人的风险承受能力，新加坡提供了基金定投的产品。这类产品虽不保本，但其保费100%用于投资，且可选择的基金种类众多，提供了更灵活的投资选择。

总体而言，新加坡的保险市场以其多元的产品和良好的金融环境，为投资者提供了丰富的选择。在这个充满机遇和稳健的市场中，购买新加坡的保险产品将为个人和家庭的财务规划提供全方位而可靠的支持。

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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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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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