# term.hk — term.hk｜港新定期寿险对比

> term.hk 把香港与新加坡的定期寿险放进同一套框架，按保险业监管局（IA）与新加坡金融管理局（MAS）口径，比较保费结构与续保、核保与体检、非居民投保与签署地点、理赔与受益人，以及跨两地家庭的保障规划。不报价，不推荐产品。

- 运营方: 小坡险助手 / Xiaopoxian Advisory Desk
- 内容发起人: Stella 武晓旭 (Stella Wu Xiaoxu), Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
- 联系: WhatsApp +6580670032 · Email wuxiaoxu1020@gmail.com · WeChat sgwealth888
- 资料更新: 2026-10-24

## 先看两地差异
- [香港 vs 新加坡定期寿险总览：同样是纯保障，两地差在哪里](/overview/): 定期寿险在香港和新加坡都是只在约定年期内提供身故保障、通常没有现金价值的纯保障产品。本文先讲清两地共同的定义，再按冷静期与保单持有人保障、产品形态与续保、保费、核保与非居民投保、理赔与受益人说明差异，并给出跨境家庭判断在哪一地投保的五步顺序。
- [港新定期寿险的消费者保障：冷静期、征费、平准保费标签、保单持有人保障与争议上限](/regulation/): 与定期寿险投保决策直接相关的五项港新消费者保障规则：香港冷静期 21 个历日、新加坡 14 天；香港保费征费 0.1%、每年上限 HK$100；新加坡 PPF 个人寿险保证保额上限 S$50 万而香港计划仍在筹备；争议上限为香港 ICB HK$150 万、新加坡 FIDReC 每宗 S$15 万。
- [港新定期寿险的产品形态：逐年续保、固定年期、保障至指定年龄与可转换权益](/term-structures/): 香港常见 1、5、10 年期保证续保至较高年龄、续保保费按到达年龄重算的定期寿险，也有保费每 10 年调整的设计；新加坡常见固定 20 年、至 65 岁等平准结构，DPI 定期只有三种年期。本文对照续保、调价、平准保费标签、转换权与断缴规则对长期保费的影响。
- [香港定期寿险 vs 新加坡定期寿险：十四维同口径对比表](/compare/): 把香港与新加坡的定期寿险放进同一张表：监管机构、官方定义、常见结构、保费保证与续保、冷静期、征费、核保、非居民与签署地点、受益人机制、未指定受益人时的处理、理赔时限、争议解决、保单持有人保障、保费税务与 CRS，并解释每项差异来自法规还是产品设计。

## 保费与核保
- [港新定期寿险保费水平怎么比：定价因素、续保调价、币种与比价渠道](/pricing/): 比较香港与新加坡的定期寿险保费不能只看首年报价，两地都没有官方跨境比价。本文说明两地共同的定价因素、续保保费是否保证与按什么重算、短年期续保与长年期平准结构的长期走势、港币与新元及美元保单的汇率风险，以及在新加坡用 compareFIRST、在香港分别向保险公司或银行取得同口径报价的方法。本站不写保费数字。
- [港新定期寿险的核保与体检：健康申报、简易核保、体检安排与核保结果](/underwriting/): 核保决定一张定期寿险能否签发、以什么价格签发。本文对照港新两地的如实披露义务、简易核保与全面核保、体检安排、新加坡基因检测暂停协议，以及标准承保、加费或除外、延期、拒保四类结果，并说明可争议期与跨境投保人常见的补件卡点。新加坡寿险基因检测例外的财务上限为每名受保人合计 S$200 万。
- [非居民投保港新定期寿险：线上渠道限制、体检地点、简易核保额度与 DPS 资格](/non-resident/): 非居民投保港新定期寿险，常见卡点不在产品而在渠道：香港线上渠道多限香港身份证与香港税务居民，内地居民须在港完成销售并亲身签署；体检地点由保险公司指定；简易核保有年龄与保额上限；新加坡 CPF 家属保障计划只覆盖公民与永久居民，持准证者须自行补足身故保障。

## 理赔与受益人
- [港新定期寿险理赔：流程、文件、时限与被拒赔后的申诉渠道](/claims/): 香港与新加坡的定期寿险身故理赔都分通知、交件、审核、给付四步，差别在时限与申诉渠道：新加坡寿险协会守则要求收齐资料后 21 天内作决定，香港以保单条款为准；被拒赔后，香港保险投诉局受理上限 HK$150 万，新加坡 FIDReC 裁决上限每宗 S$15 万。本文附文件清单与常见拒赔原因。
- [港新定期寿险的受益人安排：两地机制对照、保单抵押冲突与未指定受益人时的程序](/beneficiaries/): 香港与新加坡的定期寿险受益人机制不同：新加坡依《保险法》作信托提名或可撤销提名，未提名也无遗嘱时最多 S$15 万可付合资格申索人；香港以保单条款指定受益人，保单转让给银行作贷款抵押时可能与《已婚者地位条例》第 13 条法定信托冲突。本文对照两地机制与未指定受益人时的遗产程序。
- [定期寿险特有的三个税务问题：保费减免、身故赔款性质与 CRS 排除条件](/tax-crs/): 只讲纯定期寿险在香港与新加坡特有的三个税务问题：新加坡个人寿险减免须上一年强制 CPF 缴款少于 S$5,000、香港薪俸税没有寿险保费扣除；身故赔款在内地、香港、新加坡的定性；以及香港税务局第 6 章第 3 段与 IRAS 第 9.5 节对定期寿险的 CRS 排除条件。

## 规划与投保
- [港新两地保障规划：保额怎么定、两地分别配置还是集中一地](/protection-planning/): 港新两地的保额参照口径不同：香港保险业监管局估计 2019 年每名经济活跃成年人死亡保障缺口约 HK$190 万、约 5.7 倍年收入，新加坡 MoneySense 经验法则是身故及 TPD 保额约 9 倍年收入。本文说明跨境家庭如何用需求法定保额、匹配币种，以及两地分别配置或集中一地的取舍。
- [按负债与年期选：五个跨境家庭的定期寿险场景](/scenarios/): 用五个匿名、假设化的场景说明定期寿险怎样按负债与年期来选：保证续保至 100 岁的短年期与平准 20 年的取舍、持工作准证补足 DPS 缺口、双城通勤避免保障空窗、准证到期离开新加坡后的保单处理、为贷款担保匹配保额与抵押安排。每个场景写目标、结构、风险与所需专业方。
- [港新定期寿险投保流程对照：从需求确认、核保签署到冷静期与年度检视](/process/): 把香港与新加坡的定期寿险投保拆成七步对照：确认需求与身份路径、取得同口径报价、填写投保书与健康申报、体检与核保、签署与缴费、冷静期、生效后检视。每一步写明所需文件、大致时间、谁来做与常见卡点，并标出内地居民赴港投保与在新加坡投保的程序差异。
- [选择在香港还是新加坡投保定期寿险之前的 15 项核对清单](/checklist/): 决定把定期寿险放在香港还是新加坡之前，可逐项核对 15 个问题：负债与家人所在地、保额、币种、签署地点、核保、续保与调价、转换权、冷静期、受益人、理赔认证、争议渠道、保单持有人保障、保费税务与 CRS、身份变化。其中签署地点、受益人、争议渠道与保障计划由投保地决定，续保与转换由产品决定。

## 常见问题、术语与来源
- [港新定期寿险常见问题（32 条）](/faq/): 汇总香港与新加坡定期寿险最常见的 32 个问题：两地冷静期为 21 个历日与 14 天，续保保费通常不保证，香港保单须在港签署，新加坡未提名时最多 S$15 万付给合资格申索人。按产品、保费、核保、非居民投保、理赔与受益人、税务与规划六组整理，每个答案先给结论再给来源。
- [港新定期寿险术语表（44 个，中英对照）](/glossary/): 收录港新定期寿险常用的 44 个术语，按产品与结构、保费与费用、核保、条款、理赔与受益人、监管与机构、税务与跨境七组排列，中英并列。香港术语按保险业监管局用语，新加坡术语按 MoneySense 与寿险协会用语，两地叫法不同的在定义中注明对应关系。
- [资料来源总表](/sources/): term.hk 引用的香港、新加坡与中国内地官方文件和页面清单，按地区与机构分组列出发布机构、标题、日期、链接、在本站的用途与来源性质（一手或二手）。日期一栏为文件发布、修订或页面更新日期，无法确认发布日期的网页注明查阅日期。最后核验日期 2026-10-24。

## EN edition
- [Beneficiaries under term life in Hong Kong and Singapore: the two mechanisms compared, conflicts with policy assignment, and what happens without a beneficiary](/en/beneficiaries/): Hong Kong and Singapore appoint term life beneficiaries in different ways: Singapore uses trust or revocable nominations under the Insurance Act, and where there is neither a nomination nor a will up to S$150,000 may be paid to a proper claimant; Hong Kong names beneficiaries under the policy terms, and assigning a policy to a bank as loan collateral may conflict with a statutory trust under section 13 of the Married Persons Status Ordinance. This page compares the two mechanisms and the estate procedures where no beneficiary is named.
- [15 Checks Before Choosing Hong Kong or Singapore for Term Life Cover](/en/checklist/): Before deciding whether to hold term life in Hong Kong or Singapore, work through 15 questions: where debts and family are, sum assured, currency, where you sign, underwriting, renewal and repricing, conversion rights, cooling-off, beneficiaries, claims certification, dispute channels, policy owner protection, premium tax and CRS, and changes in circumstances. Signing location, beneficiaries, dispute channels and protection schemes depend on the market; renewal and conversion depend on the product.
- [Term life claims in Hong Kong and Singapore: process, documents, timelines and appeal channels after a declined claim](/en/claims/): Death claims under term life in Hong Kong and Singapore follow the same four steps of notification, documents, assessment and payment; the differences lie in timelines and appeal channels. The Life Insurance Association, Singapore code requires a decision within 21 days of receiving all information, while Hong Kong follows the policy terms. After a declined claim, the Hong Kong Insurance Complaints Bureau hears disputes up to HK$1.5 million and Singapore's FIDReC has an award limit of S$150,000 per claim. Includes a document checklist and common reasons for declined claims.
- [Hong Kong vs Singapore term life: a fourteen-point like-for-like comparison](/en/compare/): Hong Kong and Singapore term life in one table: regulator, official definition, common structures, premium guarantees and renewal, cooling-off period, levy, underwriting, non-residents and place of signing, beneficiary mechanism, what happens without a beneficiary, claims timelines, dispute resolution, policy owner protection, and premium tax and CRS, with an explanation of whether each difference comes from regulation or product design.
- [Term Life Insurance in Hong Kong vs Singapore: Frequently Asked Questions](/en/faq/): Seventeen sourced answers on term life in Hong Kong and Singapore: basics, premiums, underwriting, non-resident applications, claims, beneficiaries and CRS.
- [Hong Kong and Singapore Term Life Glossary (44 Terms, English–Chinese)](/en/glossary/): 44 common term life insurance terms for Hong Kong and Singapore, in seven groups: products and structures, premiums and charges, underwriting, policy terms, claims and beneficiaries, regulators and bodies, and tax and cross-border matters, with English and Chinese side by side. Hong Kong terms follow Insurance Authority usage and Singapore terms follow MoneySense and LIA usage; where the two markets use different names, the definitions note the equivalent.
- [Term life for non-residents in Hong Kong and Singapore: online channel limits, medical locations, simplified underwriting limits and DPS eligibility](/en/non-resident/): For non-residents applying for term life in Hong Kong or Singapore, the sticking points lie in the channel rather than the product: Hong Kong online channels are mostly limited to Hong Kong ID card holders and Hong Kong tax residents, and Mainland residents must complete the sale in Hong Kong and sign in person; the insurer decides where the medical takes place; simplified underwriting has age and sum assured limits; and Singapore's CPF Dependants' Protection Scheme covers only citizens and permanent residents, so pass holders must arrange their own death cover.
- [Term Life Insurance in Hong Kong vs Singapore: English Summary](/en/): Term life in Hong Kong vs Singapore: cooling-off periods, product structures, premiums, underwriting, non-resident applications, claims and beneficiaries.
- [Comparing term life premiums in Hong Kong and Singapore: pricing factors, renewal repricing, currency and comparison channels](/en/pricing/): Term life premiums in Hong Kong and Singapore cannot be compared on the first-year quote alone, and neither market has an official cross-border comparison. This page explains the pricing factors common to both markets, whether renewal premiums are guaranteed and how they are recalculated, how short renewable and long level structures behave over time, the exchange rate risk in HKD, SGD and USD policies, and how to obtain like-for-like quotes through compareFIRST in Singapore and directly from insurers or banks in Hong Kong. This site does not publish premium figures.
- [Applying for Term Life in Hong Kong and Singapore: From Needs Assessment, Underwriting and Signing to the Cooling-off Period and Annual Review](/en/process/): Term life applications in Hong Kong and Singapore compared in seven steps: confirming needs and your residency route, obtaining like-for-like quotes, completing the proposal form and health declaration, medicals and underwriting, signing and payment, the cooling-off period, and post-issue review. Each step sets out the documents needed, typical timing, who does what and common sticking points, and highlights the procedural differences between Mainland residents applying in Hong Kong and applying in Singapore.
- [Protection Planning Across Hong Kong and Singapore: Sizing Cover, and One City or Both](/en/protection-planning/): Hong Kong and Singapore use different benchmarks for sizing cover: the Insurance Authority estimates a 2019 mortality protection gap of about HK$1.9 million per economically active adult, about 5.7 times annual income, while MoneySense's rule of thumb is death and TPD cover of about 9 times annual income. This guide explains how cross-border families can size cover with the needs-based method, match currencies, and weigh holding policies in both cities against concentrating them in one.
- [Consumer protection for term life in Hong Kong and Singapore: cooling-off, levy, level premium labels, policy owner protection and dispute limits](/en/regulation/): Five consumer protection rules that bear directly on a term life decision: a 21-calendar-day cooling-off period in Hong Kong and 14 days in Singapore; Hong Kong's 0.1% premium levy capped at HK$100 a year; Singapore's PPF cap of S$500,000 guaranteed sum assured for individual life policies, while Hong Kong's scheme is still in preparation; and dispute limits of HK$1.5 million at the ICB and S$150,000 per claim at FIDReC.
- [Choosing by Liability and Term: Five Term Life Scenarios for Cross-Border Families](/en/scenarios/): Five anonymised, hypothetical scenarios showing how to choose term life by liability and term: short terms guaranteed renewable to 100 versus a level 20-year term, filling the DPS gap on a work pass, avoiding gaps in cover when commuting between two cities, what to do with a policy when a pass expires and you leave Singapore, and matching cover and assignment to a loan guarantee. Each covers goals, structure, risks and the professionals involved.
- [Sources](/en/sources/): Official documents and pages from Hong Kong, Singapore and Mainland China cited on term.hk, grouped by jurisdiction and body, with publisher, title, date, link, how each is used on this site and source type (primary or secondary). The date column shows when a document was published, revised or updated; for web pages whose publication date cannot be confirmed, the access date is given. Last verified 24 October 2026.
- [Three Tax Questions Specific to Term Life: Premium Relief, Death Benefit Treatment and CRS Exclusion](/en/tax-crs/): Three tax questions specific to pure term life in Hong Kong and Singapore: Singapore Life Insurance Relief requires previous-year compulsory CPF contributions below S$5,000, while Hong Kong salaries tax has no deduction for life premiums; how death benefits are treated in the Mainland, Hong Kong and Singapore; and the CRS exclusion conditions for term life in Chapter 6, paragraph 3 of the IRD guidance and section 9.5 of the IRAS guide.
- [Term life product structures in Hong Kong and Singapore: yearly renewable, fixed term, cover to a stated age and conversion options](/en/term-structures/): Hong Kong commonly offers 1, 5 or 10-year terms guaranteed renewable to an advanced age, with renewal premiums repriced at attained age, and some designs that adjust premiums every 10 years; Singapore commonly offers level structures such as a fixed 20 years or to age 65, and DPI term comes in only three terms. This page compares how renewal, repricing, the level premium label, conversion rights and lapse rules affect long-run premiums.
- [Term life underwriting and medicals in Hong Kong and Singapore: health declarations, simplified underwriting, medical arrangements and outcomes](/en/underwriting/): Underwriting decides whether a term life policy is issued and on what terms. This page compares the duty of full and truthful disclosure in Hong Kong and Singapore, simplified and full underwriting, medical arrangements, Singapore's moratorium on genetic testing, and the four outcomes of standard acceptance, loading or exclusion, postponement and decline, and explains the contestability period and the follow-up document requests cross-border applicants often face. The financial threshold for genetic test exceptions in Singapore life insurance is S$2 million aggregated per life assured.

## 关于与披露
- [关于本站](/about/)
- [联系我们](/contact/)
- [重要披露](/disclosures/)
- [知识网络](/network/): 小坡险知识网络 33 站导航

## 知识网络
- [iul.sg](https://iul.sg/): iul.sg｜新加坡指数型寿险专业比较平台
- [iul.com.sg](https://iul.com.sg/): IUL 学院｜指数型万能寿险原理与百问
- [vul.sg](https://vul.sg/): vul.sg｜新加坡可变万能寿险知识平台
- [vul.com.sg](https://vul.com.sg/): VUL Singapore｜可变万能寿险英文指南
- [vul.hk](https://vul.hk/): vul.hk｜港新可变万能寿险对比
- [term.com.sg](https://term.com.sg/): 新加坡定期寿险百科
- [wholelife.com.sg](https://wholelife.com.sg/): 新加坡终身寿险百科
- [wholelife.hk](https://wholelife.hk/): wholelife.hk｜港新终身寿险对比
- [ppli.com.sg](https://ppli.com.sg/): PPLI 私募寿险知识平台
- [ilp.com.sg](https://ilp.com.sg/): 投资连结保险 ILP 百科
- [saving.sg](https://saving.sg/): saving.sg｜新加坡储蓄保险百科
- [saving.com.sg](https://saving.com.sg/): Savings Plans Singapore｜储蓄方案英文指南
- [savings.sg](https://savings.sg/): savings.sg｜新加坡储蓄与现金管理全景
- [xiaopoxian.sg](https://xiaopoxian.sg/): 小坡险助手｜新加坡保险与财富知识网络
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): 小坡险百科｜新加坡保险入门与常见问题
- [vccfund.sg](https://vccfund.sg/): vccfund.sg｜新加坡 VCC 可变资本公司基金指南
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore｜可变资本公司英文指南
- [hnw.sg](https://hnw.sg/): hnw.sg｜新加坡高净值财富规划总览
- [hnwi.sg](https://hnwi.sg/): hnwi.sg｜高净值人士新加坡落地手册
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg｜高净值一站式解决方案
- [hnwsolution.com.sg](https://hnwsolution.com.sg/): HNW Solutions Singapore｜高净值方案英文站
- [privatebanking.hk](https://privatebanking.hk/): privatebanking.hk｜私人银行指南 · 香港 × 新加坡
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg｜新加坡银行开户指南
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide｜开户英文指南
- [vccfund.si](https://vccfund.si/): vccfund.si｜新加坡 VCC 与全球基金载体对比
- [sgvcc.com](https://sgvcc.com/): sgvcc.com｜家族办公室与企业主的新加坡 VCC 实操
- [vccsg.com](https://vccsg.com/): vccsg.com｜基金经理的新加坡 VCC 发行与运营手册
- [xiaopoxian.si](https://xiaopoxian.si/): 小坡险问答｜新加坡保险与财富 200 问
- [insurancesg.si](https://insurancesg.si/): insurancesg.si｜外籍人士新加坡保险指南
- [insurancehk.si](https://insurancehk.si/): insurancehk.si｜香港保险全景指南
- [ppli.si](https://ppli.si/): ppli.si｜全球私募寿险 PPLI 比较
- [xiaopoxian.com](https://xiaopoxian.com/): 小坡险知识网络｜新加坡与香港保险财富知识地图

## 数据与边界
- 每页标注资料来源与日期；资料未列明的项目不作推断；保证与非保证分开标注；演示值与历史表现不代表未来结果。
- 本站由小坡险助手内容团队运营，提供一般教育、比较与资料整理，并协助登记咨询需求。本站不是保险公司、银行、持牌财务顾问机构或保险经纪；网站内容未经新加坡金融管理局（MAS）审阅、批准或认可。个性化建议、正式报价、开户与投保服务由实际持牌或获豁免机构及其获委任代表负责。