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基本上是人壽保障，但有些保險公司會額外提供附加保障以增強計劃之吸引力，如失業延繳保費保障、末期疾病保障，部分無需另繳保費 假如定期存款計劃的成員銀行倒閉，《存款保障計劃條例》會保障存戶獲得最高達 港幣 500,000元的補償
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- Dr Vivian Lou
- Fiona Nott
- Old support the young
- Enablers of productive ageing
- Financial literacy and poor planning
- Exhibit 8: Obstacles to productive ageing
- Exhibit 9: Social concerns around ageing
- Exhibit 10: Covid-19 is taking a toll on ageing preparedness
- Medical considerations
- Exhibit 12: I have enough monetary reserves to cover future unexpected medical expenses for myself and spouse
- Dr. Vivian Lou
- 1. Preparing for productive ageing
- 2. Education on retirement planning
- 3. Caregiving
Director, Sau Po Centre on Ageing The University of Hong Kong “It is alarming to observe that one of four participants reported an intention to quit their job to take care of family members when in need. Let’s join hands to develop solutions to support working caregivers to balance work and caregiving roles.”
Chief Executive Oficer, The Women’s Foundation “The gender diferences in the findings have serious implications for women. Gender biases at work adversely afect women’s career advancement and earnings while traditional social roles at home may mean women rely on their spouses to make financial decisions. All of this contributes to their potential ...
With an older but still healthy demographic, the traditional notion of the old age dependency ratio is not necessarily relevant to Hong Kong. This is because older people are often still supporting their children and/or grandchildren. The cost of living in Hong Kong is high and senior citizens’ support for younger generations is a strong enabler fo...
Productive ageing cannot happen in a void. The elderly need to feel secure financially, happy socially and medically healthy. This enables them to pursue any activity or work, and be able to contribute. Besides, they are in far better health than the generations that preceded them. We explore the fundamental pillars that enable productive ageing— f...
While Hong Kong has a Mandatory Provident Fund (MPF) in place, it is not really a forced pension system such as Singapore’s Central Provident Fund. At present, Hong Kong residents can withdraw the money in their MPF accounts upon retirement in a lump sum, in instalments or maintain it for investment purposes. But Dr Lam says that “MPF contributions...
Lack of retirement funding Lack of support from my society/community Lack of knowledge of retirement/ financial planning Ageism (prejudice against old people) Lack of support from family Others, please specify Source: The Economist Intelligence Unit go on to spend this sizeable chunk elsewhere instead of maintaining it for retirement. In his view, ...
I have no social concerns around ageing Others, please specify Boredom Lack of family support Psychological wellbeing Being alone/ social isolation Lack of supportive environment for healthy/active ageing Source: The Economist Intelligence Unit
Positive impact No impact Negative impact Not applicable Source: The Economist Intelligence Unit pandemic, particularly as they have been forced to stay within their homes and not allowed to socialise with others, or even meet family. Even before the covid-19 outbreak, the Hong Kong government had been taking steps to address isolation and improve ...
Good health plays an important role in being productive. But staying healthy can be an expensive afair. Hong Kong’s medical cost
Source: The Economist Intelligence Unit sustainability of the public hospital system. At this moment, about 60% of hospital beds are occupied by older adults,” he says. “Going forward, the share of beds occupied by older adults will only increase and the current rate of increase in medical and healthcare spending is unlikely to address the pot...
Director, Sau Po Centre on Ageing, The University of Hong Kong
Legislation should consider protecting employees against age discrimination which includes being deliberately overlooked for promotions or forced into retirement. This would help alleviate concerns around financial security and mental well-being of older employees. Similarly, work with employers to understand the benefits of, and promote best prac...
Government, businesses and NGOs may work together to promote early public education on retirement planning, particularly among populations – like women and other marginalised groups – who experience social and cultural factors that may make them more financially vulnerable later in life.
For caregivers who find balancing the job and caregiving needs, we must advocate innovative solutions, to support these individuals as society as a whole. Legislation should consider recognising the needs of caregivers regarding access to information, income, employment, and training as well as respect and emotional support. For working caregivers,...
附加於基本計劃上的額外保障，例如失業延繳保費保障或額外意外死亡保障，可能由基本計劃涵蓋（毋須另繳保費），或屬自選性質（須另繳保費）。 定期壽險計劃
To find out whether you are Go or No Go for launch, use our Retirement Predictor to answer a few simple questions and preview your future: are you on course for productive ageing, or will your plan fail to get off the ground because you haven't prepared enough financial fuel?
導致失業的原因是閣下無法找到足夠工作以應付所有合理的業務及生活開支,並已向香港特別行政區的稅務局作出有關聲明; 在緊接申請此項賠償之前,已經最少連續24個月自僱工作;及. 失業並非閣下工作的一個正常情況或並非季節性的。 提出索償後,閣下必須提供本公司要求的所有合理資料或證據以證明閣下的索償,有關費用由閣下支付。 本公司可能會,而閣下不可撤回地同意本公司有權,聯絡閣下的前僱主,以取得有關的資料。 如於此項失業延繳保費保障生效期間,閣下就本保單提出任何索償而獲賠償,本公司有權從賠償額中扣除於保費到期日至賠償獲批核期間之逾期未繳保費。 5. 保障終止.
Steve. 背景. 30歲，已婚。 其年輕太太Stephanie是全職主婦，育有兩名初生的孖生兒子。 他是顧家好男人，一下班就會回家享受天倫之樂. 挑戰. 獨力養家，擔心假若自己有意外發生，會為太太與兒子帶來經濟負擔。 他也擔心教育經費增加，希望為兒子安排好教育基金. 人生階段的需要. 兒子年紀尚小，他要為家人的未來財政設下保障，以抵禦人生難以預計的事情。 他還要計劃兒子未來的教育，確保在兒子長大後有充足的現金流作不時之需。 可行方案. 一份覆蓋以下特點的保險計劃： 當兩名兒子仍未獨立時. 如他不幸身故，其家庭會獲得已繳保費總額的100%以上之身故賠償，以保障他們渡過經濟難關. 當他或兒子確診癌症或殘疾，他會獲得賠償以應付治療費用.
