永恒至尊丰裕 (美金)
硕果累累 回报颇丰。
利益概要
从保费缴付期结束后至120岁, 每月享有保证现金返还
您可以指定第二个受保人, 以确保保单在原受保人过世后能继续提供现金返还
让投资具有美元优势, 使资产和回报更加多样化
如发生意外, 将收到一笔身故利益
可选择单期、三年或五年的保费缴付期。
保障至新加坡存款保险公司 (SDIC)规定限值。
分销伙伴
银行
理财顾问
合作国际保险经纪
Useful Tips
Is motor insurance mandatory in Singapore?
Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
What information should I consider when choosing a motor insurance provider?
- The premium payable and excess applicable
- Unnamed drivers (including young and inexperienced) excess
- The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
- Driver restrictions (if any)
- Workshop restrictions
- List of approved repair workshops
- Non-standard exclusions
- Accident reporting and claims filing procedures
- Cancellation and refund policy
How does the motor insurance provider calculate my policy’s premium?
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
- Profile of the vehicle
- Profile of the driver(s)
- Usage of vehicle
- Type of cover required
- History of claims
- No Claim Discount entitlement
What information do I need to give my motor insurance provider?
To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:
- Your age
- Usage of your vehicle
- Make, model and year of make/registration of your vehicle
- Any other person(s) driving the vehicle beside you
- Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
- NCD entitlement
- Has the vehicle been modified? Please provide details of modifications
- Years of Driving experience in Singapore
- Existing medical conditions or physical impairment that may affect the driving of car (if any)
