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签完保单你以为结束了? 不做这些等于白买

 在新加坡每个家庭都会有保单，按照一个4口之家的家庭每个人至少3份以上的保单，那么12份保单如何管理？如果因为漏交保费保单作废，带来的不仅仅是经济上的损失，有可能有了既往病史而买不进去就更麻烦了。
以下几个行动是保单生效后一定要做的事：

1. 绑定银行卡自动扣款

用GIRO绑定保单到我们的银行账户，让未来续期保费可以自动扣款。这么做可以减少忘记交保费而断保的可能性，一旦保单断保，我们原本获得的保障就没有了。如果还没超出保险公司允许的grace period（空窗期限），我们还可以补交落下的保费恢复保单。但是如果我们买的保单，过了空窗期后又多了新的健康状况，保险公司就可能拒绝新的申请，或者加上额外的排外条件，这对客户来说就是白白的损失。

有些朋友不想设置自动扣款，觉得手动付款可以更好地追踪家庭开销，那么这时候我们的工作就是提醒客户按时交费，留意保险公司发给我们的短信和Email。

这也是哪怕我休假， 也要每天看邮箱的缘故， 避免时间过了客户来不及交费。而我家所有保单我都是绑定了GIRO避免忘记交费。

2. 指定保单受益人

指定保单受益人, 凡是有身故赔偿的保单或者带现金价值的保单，包括储蓄险、年金险、投连险，以及最重要的寿险，都需要指定保单受益人。这里大人给小孩买的重疾险是不能做收益人的， 因为是第三方保单，需要我们在孩子成年后把保单持有人转让给孩子。

指定保单受益人主要有以下作用：

第一是直接跟保险公司提供相关证明，让我们的受益人快速、直接地拿到全额的保险赔偿金。目前来看保单索赔是资产变现比较快的方式。

第二是可以根据自己的意愿，自由指定受益人和每位受益人的分配比例，不必遵照继承法的规则也减少了家庭成员之间因为经济利益反目成仇的情况。

比如在新加坡如果保单持有人有老婆孩子， 故去时父母还在， 这个时候父母是没有任何继承权的。

3. 登记保险公司的个人账户 

新加坡绝大多数的保险公司，都可以注册个人账户，有些公司是网页版，有些是手机App。

为什么要注册个人账户了？

现在很多公司因为环保都会建议客户配置电子保单，有了个人户就可以查看完整的保单合同。

如果个人信息，比如电话号码、住址或者身份等发生变化，可以直接在账户里更新。我之前有手工帮客户变更过， 要填比较繁复的文件表格， 还需要客户签字确认， 稍微填错一些信息就又被打回来重新做， 费时又费力，更便捷的是提交理赔记录还可以在线实时查询理赔进度。

4.  准备一份清单让家人知道你买了什么保单

如果被保人突然过世，绝大多数情况下保险公司根本不知情，只能靠我们主动去通知保险公司，递交理赔资料。别说保单了， 新加坡CPF 都有这种情况发生，如果你的家人或者受益人根本都不知道你有哪些保单，那么可能真的就白买了。

据联合早报报道：截至2020年底，有2亿多新币无人认领，其中未提名受益人的公积金款项占逾六成，达1亿5000万元。单在2020年，未认领的公积金就有约5000万元。

我们可以将纸质或者电子保单多打印一份给家人或受益人保存，整理一份清单告知你在哪家公司买了保单，保单号码是多少，什么类型的保单，如果不希望家人或者受益人过早地知道这些保单也可以通过遗嘱或者信托的方式把所有资产装进去。

在我这边配置产品的客户我都会帮他们做个保单清单以备查询。

另外还可以使用新加坡政府推出的SGFinDex (https://www.sgfindex.gov.sg/)，现在各大银行的APP也植入了这个功能，singpass 登录后可以把我们在不同银行、保险公司、甚至新交所的资产信息全部汇总到一起。包括了保险的几乎所有的内容， 比如保单的有效期、保额、保费、缴费日期、缴费方式等等，可以说相当全面了。非常遗憾的是目前投资平台的资产并没有在列。

最后的最后，大家看到这篇文章一定要行动起来， 防患于未然，减少我们爱的家人在我们走后的麻烦。

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:

Su xiaoning

Hi, I’m Nicole, 中文名 苏小宁.

感谢访问我的网站， 我来自中国：上海， 家有两娃， 2018年搬来新加坡，之前一直电信行业工作多年。

我爱美食， 国学，爱打羽毛球， 爱交朋友。在这份工作之前我就做过多年投资，读过MBA,  我热爱这份工作，因为这份工作可以让我接触各行各业的人，我的客户也是我的朋友 ，专业是客户给我最多的评价！ 

不忘初心， 做个有温度有专业的财务规划师是我的毕生工作，我愿意做一位永不退休者， 终身学习者。

目前我的服务内容如下：

  1. Cash Flow Management
  2. Wealth Accumulation – Retirement & Education
  3. Wealth Enhancement- Investment Planning & Management
  4. Wealth Protection- Risk Identification & Management
  5. Insurance Portfolio Restructuring
  6. Estate Planning
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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