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新加坡保险VS港险的分析与对比

新加坡和香港作为亚洲金融中心，均扮演着重要的保险市场角色，涉及人们的生活、财富和健康等多个方面。尽管两地在保险业有相似之处，但也存在一些显著差异。我们将深入探讨新加坡与香港保险行业的异同之处。

一、新加坡与香港保险市场概览

1. 新加坡保险市场概览

新加坡是亚洲重要的保险中心之一，保险市场规模庞大，2021年总资产约为436.78亿新币。市场包括76家直接保险公司、51家再保险公司等多元机构。新加坡的保险产品涵盖寿险、医疗保险、旅游保险等多个领域，注重技术创新，推动数字化解决方案的发展，监管环境稳健。

2. 香港保险市场概览

香港是国际金融中心，保险市场发达，2021年毛保费总额为5817亿港元。市场包括164家获授权保险公司，涵盖传统人寿保险、雇主责任险等多个领域。香港保险市场竞争激烈，注重保险科技的应用，例如区块链技术，以提高业务效率和质量。

二、新加坡保险与香港保险相似之处

1. 高度监管

新加坡和香港均设有保险监管机构，分别是新加坡金融管理局（MAS）和香港保险业监管局，致力于确保市场健康发展、消费者权益得到保护。

2. 多元化的保险产品

两地保险产品种类繁多，包括人寿保险、健康保险、投资连结保险等，以满足不同客户需求。市场活跃，吸引国际和本地保险公司的参与。

3. 活跃的保险市场

新加坡和香港保险市场都吸引了众多国际保险公司，注重创新，不断推出新产品和服务，提升市场竞争力。同时，两地保险公司都在探索利用人工智能等技术改善服务和降低风险。

4. 客户群体

两地客户群体主要为中高收入人士，具备相对稳定的经济环境和生活水平，表现出对保险的高需求和较强的理财意识。

5. 保费融资和保单贷款

新加坡和香港的保险公司都提供保费融资和保单贷款服务，为客户提供灵活的支付选择。

三、新加坡保险与香港保险不同之处

1. 保险产品种类

香港以传统人寿保险为主导，而新加坡的保险市场更加多元化，包括健康保险、旅游保险等。新加坡推出的保险产品更注重保障，例如定期寿险，而香港强调储蓄或投资功能。

2. 监管力度

新加坡注重消费者保护，监管更为严格，要求保险公司提供产品摘要和关键事实陈述。而香港采用以风险为本的资本制度，确保保险公司的财务稳定。

3. 消费者偏好

消费者偏好方面，新加坡人更倾向于接受新颖创新的保险产品，关注保障的全面性，而香港人更注重传统人寿保险，关注价格和公司声誉。

4. 保险产品理念及产品设计

新加坡的保险产品更侧重提供简单直接的保障，例如定期寿险，而香港的产品更复杂，强调投资部分。这反映在产品设计上，新加坡的产品更注重为特定风险提供直接的保障。

5. 币种

在香港，大部分保单以美元计价，而新加坡的保单以新币为主，辅以美元。这与港币与美元挂钩的情况有关，也满足了客户的货币需求。

6. 销售模式：在销售模式方面，新加坡保险业倾向于采用独立顾问式销售模式，强调客户利益和公开透明。保险销售人员通常是独立于保险公司的，提供全面的保险建议，确保客户能够得到最优质的服务和保障。与此不同，香港的保险业更多依赖于保险公司专属经纪人和银行中介，强调公司利益。

7. 长期局势

从政治、法律稳定性、金融监管和信用评级等方面来看，新加坡作为一个独立自主的国家具有一定优势。相较之下，香港是中国的特别行政区，其未来发展格局可能会受到国际形势和中国内部政治经济环境变化的影响，存在一定的不确定性。

在购买保险时，客户需谨慎了解不同市场的特点，充分了解产品差异，并选择最符合个人需求和风险承受能力的保险方案。无论选择新加坡还是香港，都建议在购买前咨询专业的保险顾问，以确保做出明智的决策。如果您对保险方案有更多疑问或需要专业建议，欢迎咨询金阁顿专业顾问，我们将根据您的需求为您提供定制化的保险计划和专业建议。

以下为新加坡保险与香港保险的综合对比

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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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  • 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。
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  • 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