定期寿险:远程签单

自2020年疫情爆发以来,由于风险不可控的原因,新加坡的定期寿险远程签单一度中断,导致很多内地客户无法通过远程方式完成投保。许多客户因为无法亲自前往新加坡签署合同,这种情况让不少有需求的客户感到困扰。

然而,随着疫情逐渐得到控制,现在所有障碍已经被扫清。保险公司恢复了远程签单服务,客户不再需要亲自飞往新加坡即可完成投保流程。这无疑为那些因疫情无法前往的新客户提供了巨大的便利,也意味着大家可以更加轻松地购买新加坡的定期寿险产品,享受更高效、便捷的投保体验。我将在这里详细讲解如何通过远程方式签署新加坡的定期寿险,希望能够对您有所帮助。

大家可以参考我这篇文章了解:新加坡定期寿险

Singlife的定期寿险在新加坡市场表现出色,它的优势体现在保费的合理性、保障的全面性以及灵活的产品设计上,非常适合注重性价比的投资者。通过收购Aviva在新加坡的业务,Singlife不仅增强了其市场份额,还沿用了Aviva之前的优质产品,进一步提升了其寿险产品的整体吸引力。

 

1. 通过所有渠道都可以远程签单吗?

如果您在新加坡居住,可以直接在新加坡人寿官网投保;如果不在新加坡,您可以通过代理新加坡人寿的保险公司来投保。不过,并非所有保险公司都支持海外客户远程投保。

 

2. 怎样从海外远程投保?

  1. 客户需在新加坡开设本地银行账户(如果您还没有开设新加坡银行账户,可以查看我这篇文章:新加坡银行开户攻略,教您如何通过远程方式仅需S$1000即可开设本地银行账户)
  2. 先进行新客户信息登记,成为已有客户,然后才能进行远程签约。
  3. 确定保险方案后,客户需提供个人资料信息和提交两个身份证件的扫描件:身份证,护照或者驾照。
  4. 保险经纪收集信息后,会通过新加坡人寿的系统生成计划书和保单申请表,并将其发送到客户的注册邮箱。
  5. 客户收到电邮需确认保单详情无误,并在申请表格上指定的地方签字,扫描后发回。
  6. 保单生效后,保险公司会将电子保单发送到您的邮箱。之后,保险公司会将纸质保单快递到您在投保时提供的注册地址

 

3. 远程签单注意事项?

以下是远程投保须知事项:

I. 将使用您本人在新加坡的银行账户缴保费
II. 免体检额度

  • 50岁以下:最高保额为S$200万,无需体检。
  • 50岁以上:最高保额为S$100万,无需体检。
  • 如果您申请的保额超过免体检额度,需到指定体检机构进行体检,体检费用由您先行支付,保单生效后保险公司会报销。

III. 定期寿险保障

  • 身故保障:最高保额S$100万。
  • 重度残疾保障:最高保额S$200万。
  • 晚期重疾保障:最高保额S$100万。

 

给大家总结一下,为何选择在新加坡投保?

  • 保费较低:相比内地和香港,新加坡的定期寿险保费更便宜,且免体检额度更高。
  • 灵活的投保期限:投保期限非常灵活,可选择5年、10年,甚至保障至99岁。
  • 保障广泛:只有在保单生效一年内自杀不予赔付,其他任何原因身故都予以赔付;如果受保人被诊断为终末期疾病或全残,还可以提前获得身故赔偿。

 

最后,保险不仅是短期的保障工具,它更是一个长期的财务规划过程,涉及到未来的风险管理、财富积累和传承。因此,每一个选择都应该经过充分的思考和多次对比,以确保自己能够做出最符合个人需求、最具性价比的决定。

如果您对远程签单有疑问或想要咨询新加坡定期寿险的报价,欢迎随时联系我。

 

 

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