i-恒财
财富连绵不断 尊享终身保障。
利益概要
在您所选择的保费缴付期结束后开始领取年度现金返还,直至 120 岁
在保单满 20 周年之际以及之后的每 10 年,将可获得忠诚现金返还
可通过指定第二受保人延续保单以持续享受保单收益
100% 保本
可选择3年、5年或10年的保费缴付期
受保人若遇不测,其家人将收到一次性给付的身故利益
申请简易快捷
									保障至新加坡存款保险公司 (SDIC)规定限值。								
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															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)
 
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