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| 圖：http://funeralinsuranceaustraliaguide.com/ |
身故者家財豐厚的，當然是沒問題，有些澳洲老人家無恒產，靠政府一星期兩三百元的養老金度日，平時生活都是節衣縮食。所以澳洲有殯儀保險(好像香港以前一些善堂、佛教團體和民辦的「老人會」) 這回事了。
經營殯儀保險的，有些是正規的保險公司，本身有主要的保險業務；不過也有一些，是獨沽一味做這門生意的，這一類良莠不齊，顧客要十分小心。因為他們多是小公司，又不受一般保險條例規管，在廣告的宣傳手法上取巧，吸引客人上釣。
他們會動之以情：把Funeral Insurance包裝成「給後人的最佳禮物」，免卻後人的籌措，投保人的花費極微：只是「每星期」十幾澳元、或「每日」一元幾角而已。其次，是誘之以利：到你真的離世時，就會有一萬幾千元的賠償，讓你的後人用來為你搞一個體面的葬禮。第三，是簡便易行，打個電話就可投保，你六十幾歲也沒問題(自然，一般人在六十之前，是不會想到這個問題的)，而且不用健康檢查。好話唔好聽，你分分鐘有賺......
當然，這個世界沒有人會做蝕本生意，「入閘」的保費可能很平，但是沒有保證他們日後不加價！( Always read the fine prints !)有人落了疊開始供款，一供就是十幾年，期間保費逐漸增加，現在竟然變成原本的保費的五倍。
一個人壽命長，當然值得恭喜，講真沒有人希望「賺」這筆保險金的。電視台訪問了一些人士，都是洗濕了個頭，而十幾年來的供款，加起來已經超過可收的保金。那怎麼辦呢？
一早知道的話，自己收埋一個餅乾罐在床下底，每日放入兩元都得啦！若果現在斷供，原先所供的，就會化為烏有，但此時此刻，沒有人會因為不想蝕本，希望自己早死早著吧？
(文章允許轉貼，請具作者名字：梁煥松)
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香港近幾年都開始有d甘既野……早個排電視上由姜大衛代言，一開頭就話「再鋒利的刀都會有生锈的一天……」但不知該公司是否可信，因資料實在太少。成個廣告都只係話，有興趣的可打這個電話……
回覆刪除世途險惡，小心為上。
刪除從網上論壇得知，這廣告所述的和上文所指的應是同一樣野……
刪除發表於 10-4-27 12:49 |只看該作者
我都有check 過，
因為我daddy 有糖尿病，
如果普通保險可能唔受。
佢地既保額只係八萬蚊，
如果頭兩年過身，
係唔會賠個保額架，
只係賠番你已經比左既供款，
要過左第三年之後過身，
先至賠足個保額。
如果55歲買左而80歲都未死，
咁樣個供款分分鐘多過個保額，
所以結論係，有好多病同夠老先好買，
如健康又得55-60 歲買可能得不償失，
將d 錢放銀行好過。
有精算師幫他們計的，蝕的一定是顧客，不會是他們。
刪除個人經驗，保險要買〈旅遊保險更必須買〉，但應只與有信譽的大保險公司，買最基本的保障，唔好掂啲花巧保險產品，每項花巧保障，都是略水招數。
回覆刪除最揾笨是固定長年期供款，中間停供，乜都冇哂，辛辛苦苦供完廿年，間公司都唔知仲喺唔喺度。
不要儘信廣告及經紀的花言巧語，他們為賺些少佣金，賣掉你，以後就關人了。
刪除要供樓又要給孩子供書教學，做丈夫的買人壽保險是必須的，梁兄是單身漢可能不明白箇中道理
回覆刪除Chris 兄怎麼會是單身漢？ Chris 兄與 Chris 嫂在南半球，過著只羨鴛鴦不羨仙的生活啊。
刪除It's not a matter of being the husband or not. It's a matter of being the bread-winner or not. If the wife is the, or also a, bread-winner, she needs life insurance (too).
刪除In many cases here (I don't know what people do in any other places, including HK), people who have a family and/or are still working, the life insurance they buy is term life insurance, which expires after a set number of years. One can buy another term life insurance then.
But Chris may be talking about whole life insurance, a different kind of life insurance, of which one pays the premium until one dies and the beneficiaries collect the payout then.
Term life insurance is much cheaper than whole life insurance. Oh, one doesn't get anything back if he is still alive when the term life insurance expires. Too bad. But it's cheap. Maybe you don't think it's cheap. But the insurance companies do.
When one saves up enough for retirement and/or his or her children are grown, one doesn't really need life insurance, term or whole. But some rich people here buy whole life insurance; it is one of the ways for their beneficiaries to inherit the money without getting a big estate tax bite. I am too poor to bother.
When one gets too old, one cannot buy, I think, or it doesn't make sense for them to buy new term life insurance anymore. One probably cannot buy new (newly underwritten) whole life insurance either. Too risky for the insurance companies. So, one has to plan ahead if one wants to have whole life insurance. Don't wait until you are too old. But then you should know these things if you are rich enough.
Disclaimer: I'm not in insurance business. I don't have any life insurance.
-zpdrmn
有些澳洲人搞到真的「身後蕭條」，要怪澳洲的福利政策。
刪除有些人退休後，坐郵輪環遊世界，換架靚車，把手上的現金花得七七八八，剛能通過資產審查，之後就吃政府福利金過活。
香港嬰兒潮老人退休潮巳開始，他們賣樓後都會轉移資產給自己子女，然後申請上公屋食綜緩食過世!
刪除香港福利實在太好，騙綜緩騙公屋易過移火!
這麼絕的數口，太過份。
刪除現在香港的新公屋 , 質素環境地段 , 隨時好過你間 " 豪 " 宅 , 唔上就笨 , 8 ,90後得過萬零蚊 , 四五百萬起的 "窮人" 恩物 , 是買唔起啊
刪除How much does it cost to cremate a dead body? That's all I need when I die. I can pay for it myself. There's no incentive for me to buy any insurance for that. As for the ash, I don't care, flush it down the toilet (like drug dealers in movies flushing away their stash moments before they're busted by cops who are at their doors trying to break in), or do anything to get rid of it. (Ash and stash rhymes, LoL.) Oh, I don't even need an urn for holding the ash, a big can (coffee can, family size) will do.
回覆刪除Forget about burial, cemetery plot, headstone, etc. Too much work to do. I will be dead already. Why bother?
--zpdrmn
It will cost a lot to be buried in Hong Kong. My uncle died in 2006 July and my aunt buried him in Fanling Fung Ying Sin Koon for HKD80000. My mother died this June 20 and nine years ago when she did her brain tumour operation in QE, she thought that she might not survive and she paid HKD49500 to a sales for her funeral (luckily that sales woman still acknowledges her order after 9 years and did for her last month)! Luckily, my father had a place in Pokfulam Christian Cemetery and we'll put her ashes beside father despite that we'll follow her will to put some of her ashes in Diamond Hill Remembrance Garden which will cost nothing (only HKD1000+ for the name frame).
回覆刪除澳洲的殮葬費比香港平，我去參觀過殯儀館，三四千元就有一副像樣的棺木，葬禮可搞可不搞。墳場很大，買地土葬也不貴。
刪除有個鬼佬朋友，年邁父母從英國來受他照顧，幾年間先後去世，兩個老人在澳洲沒甚麼親戚，我朋友乃甚麼都不搞，免麻煩自己的朋友，遺體就由醫院燒掉算了。
買人壽, 可以保障家人. 買醫保就多個選擇, 排公立太耐喇! 殯儀保險就唔駛, 將d錢(保險金)俾屋企人, 火葬, 灑落花園. 或者捐埋個身軀出來, 俾大學醫院解剖研究用, 應該零消費.
回覆刪除灑脫 ！
刪除People who like to donate their dead body in HK can refer to the following link.
刪除www.sbs.cuhk.edu.hk/bd/
I do really consider to donate my dead body or any organs which are still useful. However, my husband discourages my thoughts as he thinks those medical students do not respect your dead the body when they are using it for educational purpose. They cut here and there and throw away to a corner to wait for further use. I asked if I should care since I were dead already. But he thinks that is not showing respect to the dead. I do not know how true is his saying as he swears that his best friend was a medical student and told him this!!! Also, even I sign for the agreement before I die, the family has the right to do against the dead. Is that true?
回覆刪除Rosemary
你信有靈魂的話，靈魂死了離開軀殼，軀殼大斬十塊，和埋在土裡跟草木同腐，是沒有差別。
刪除Chris 想講C字頭個間吧，呢間保險響香港都有做生意
回覆刪除我不相信政府的 MPF ,做工時已買人壽同儲保..
保險呢樣野係鬥長命的