在新加坡,我们拼搏一生,总想给家人最好的保障。我们买保险、做理财、规划公积金,但你是否想过一个最核心的问题:万一有一天,自己因为意外、重病或失智,突然无法表达自己的意愿,谁能合法地帮你去银行提款支付医药费?谁能替你做出最适合的医疗和居住决定?
如果没有提前准备,家人可能需要花费数月时间、耗资数千新币去法庭申请指定抚养人,在焦虑与无助中备受煎熬。而解决这个隐患的钥匙,就是持久授权书(Lasting Power of Attorney,简称 LPA)。
很多人迟迟不办,总觉得手续繁琐、还要交政府行政费。重大好消息来了!根据最新政策,新加坡公民申请标准LPA(Form 1)的行政费用已经全面改为永久豁免!
别再把“改天”挂在嘴边,今天就花五分钟看完这篇2026最新版“5步线上申请全攻略”,全家一起安排起来!
首先,您需要选定至少一位满 21 岁、精神健全且完全值得信托的人(如配偶、成年子女或挚友)作为您的被授权人(Donee)。您需要决定赋予他们以下哪种或全部权力:
使用您的 Singpass 账户 登录新加坡社会发展、青年及社区部 (MSF) 的 OPG在线服务平台。(https://www.msf.gov.sg/opg/)
您的被授权人(Donee)收到通知后,也必须使用他们各自的 Singpass 账户 登录同一个 OPG Online 平台。
当所有被授权人都接受提名后,您必须与合资格的证书签发人 (Certificate Issuer) 进行面对面(或符合条件的远程)会面。他们的职责是确保您在神智清醒、完全自愿的前提下签署。您可以选择:
他们会当场通过 OPG 系统使用电子签名,为您完成在线见证与认证。
(注:虽然政府行政费已免,但诊所或律师楼收取的几十至上百新币的见证服务费/诊费仍需自付)
证书签发人完成电子签名后,您的 LPA 申请将自动在线提交给新加坡公理署 (OPG)。
写在最后: 很多人觉得谈论“万一神智不清”有些忌讳,但真正的成熟,是正视生命的无常。
做 LPA,不是为了放弃选择,而是把选择权牢牢握在自己最信任的人手里。这不仅是给自己的一份尊严锁,更是留给家人的一张“免于崩溃的免死金牌”——不让爱我们的人在最手足无措的时候,还要面对法律和财务的重重阻碍。
欢迎添加微信联系: hongnasg, WA: +6591689137
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.
您好,我是王洪娜( Wang Hongna),现任新加坡理财顾问公司 Financial Alliance 鑫盟理财的资深理财顾问,拥有8年从业经验,持有国际金融理财师CFP®认证及AEPP高级认证,并荣获新加坡银行与金融学院(IBF)高级认证。
专注为职场人士、家庭及企业提供全方位的财务保障和理财规划服务,从单一保险公司起步,现已全面转型为理财顾问,始终秉持“客户优先”的原则,为客户提供中立、客观、专业的财务建议。无论是医疗保险索赔、教育与养老规划,还是企业员工福利保险,我都能为您量身定制解决方案。
我希望成为区域华人、新移民及其公司最值得信赖的财务规划伙伴!
我的服务范围包括:
🔹 医疗与人寿保险规划(风险管理)
🔹 教育与退休金规划
🔹 财富保障与投资组合规划及年检
🔹 遗产与传承规划(CPF提名、LPA、信托,遗嘱等)
🔹 企业员工福利保险
欢迎添加我成为您的理财伙伴,为您的家庭与企业保驾护航。
Hello, I’m Hongna, a Senior Financial Advisor at Financial Alliance – the largest Independent Financial Advisory (IFA) firm in Singapore – with 8 years of experience in the industry. I hold the CFP® (Certified Financial Planner), AEPP certification, and the IBF Advanced Level accreditation from the Institute of Banking and Finance Singapore.
I specialize in delivering holistic financial protection and planning solutions for professionals, families, and business owners – with a particular focus on Chinese expatriates and new immigrants in Singapore.
Transitioning from a tied agency to an independent advisory platform, I stay committed to putting my clients’ best interests first, offering neutral and tailored financial solutions. Whether it’s claims for hospital insurance, planning for education or retirement, or setting up employee benefits and corporate insurance, I aim to be your go-to advisor for all financial protection needs.
My goal is to serve as your Financial First Aid Kit – having the right tools (plans) ready in advance and applying them correctly when needed.
By submitting this form, I confirm that
提交此表格,即表示
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
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By submitting this form, I confirm that
提交此表格,即表示
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
Join us on Thursday, 8 October, 7–9pm at Singlife HQ, Marina One, for a seminar on cancer from three angles: medical, personal and financial.
Hear colorectal surgeon Dr Loong Tse Han on causes, prevention and warning signs, followed by a fireside chat with Sim Peck Cheng, our Associate Director and cancer survivor, on her recovery and being prepared for the unexpected.
Seats are capped at 70. Register early.