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搜尋
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Funeral Knowledge葬儀百科
殯葬禮儀
生前契約是什麼？為什麼要買生前契約？要怎麼防範生前契約詐騙？
新聞上常有老人聽信詐騙集團的話術，用高昂的價格買下生前契約後血本無歸。其實生前契約是一個立意良善的產品，但被不肖分子濫用而成為主流的詐騙商品。今天就來教大家如何預防生前契約詐騙！
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生前契約是什麼？
生前殯葬服務契約，我們簡稱為生前契約。根據內政部殯葬管理條例表示：「當事人約定於一方或其約定之人死亡後，由他方提供殯葬服務之契約。」當然太長的文字大家會看的一頭霧水，簡單來說就是買自己後事的處理方法。消費者會與販賣生前契約的公司訂立合約，合約上面會記載後事的處理方法以及所有可能的開銷，並在買方過世後由生前契約公司根據合約上的內容舉辦喪禮和各種儀式。
你可能會好奇，一紙辦後事的契約為什麼有利可圖？首先，隨著人均壽命增長，資源日漸匱乏。想當然爾物價也會上升，以前蚵仔麵線一碗20，現在一碗好歹也要50起跳。殯葬的用品和物件更不用說，如果想走傳統土葬的民眾，光是墓地的價格就是過去的好幾倍。所以提早訂定契約並付款，未來就不用擔心高昂的喪葬費用影響到家人。
生前契約詐騙多，要怎麼預防？會有哪些話術？
有利可圖的事物必然有不法份子會趁機作梗，生前契約就是被這些不肖人士濫用並成為詐騙的溫床，金麟生命在這裡教您拆解生前契約的騙局。
慎選業者
合法的生前契約業者需具備一定規模，但如何判斷一定規模？相信大家也說不準，其實最簡單的方式就是去內政部全國殯葬資訊網查詢名單。此外合法的生前契約業者要把75％的預付費用信託，在購買契約前也可請業者出示合法的相關證明文件。
簽約停看聽
生前契約涉及的金額龐大，在簽約之前最好將條文內容逐一釐清。針對不了解的部分一定要與業者溝通清楚。
以投資為名多屬詐騙
台灣人對死亡多半還是存有不詳的觀感，購買生前契約的風氣也不普及。可說是有價無市的資產，另外近年來價格低廉的環保葬逐漸躍昇為主流，購入生前契約的必要性也有待商榷。
透明的定型化契約最重要
生前契約的透明化非常重要，畢竟殯葬的知識一直以來都存在不對等的情事。為保障自身權益，任何額外的費用都得明訂在契約內。繳費方式和分期等內容也要寫清楚。簽約後生前契約的業者更不可以天災、貨幣升貶值和通貨膨脹等理由來收取額外費用。
多比價不吃虧
生前契約業者當然不只一家，只要是合法業者都可以多看多聽多考慮。比價之後再做決定才是最不傷荷包的方法！
如有任何其他問題您也可以與金麟生命禮儀服務團隊聯繫。
金麟生命會用心陪伴，就如同家人般溫暖，與您一起送別親人最終一程，讓親人在人生的最後一哩路，尊嚴體面、放心遠行。
如有任何殯葬服務需求，歡迎撥打服務專線
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金麟生命 全省服務據點
地區 | 名稱 | 地址 |
台北 | 台北市大安區辛亥路三段157巷2號 | |
台北市中山區民權東路二段178號 | ||
新北 | 新北市板橋區新海路440號 | |
桃園 | 桃園市桃園區大有路923號 | |
桃園市中壢區培英路316號 | ||
臺北榮民總醫院桃園分院 | 桃園市桃園區成功路三段100號B1 懷遠堂 | |
衛福部桃園醫院 | 桃園市桃園區中山路1492號B2 往生室 | |
衛福部桃園醫院新屋分院 | 桃園市新屋區新福二路6號B1 往生室 | |
國軍桃園總醫院 | 桃園市龍潭區中興路168號 懷遠堂 | |
新竹 | 新竹服務處 | 新竹市北區成德路95號 |
中國醫藥大學新竹附設醫院 | 新竹縣竹北市興隆路一段199號B2 往生安息室 | |
苗栗 | 為恭醫療財團法人為恭紀念醫院 | 苗栗縣頭份市信義路128號B1 往生安息室 |
台中 | 台中服務處 | 台中市北屯區崇德路二段168號 |
嘉義 | 戴德森醫療財團法人嘉義基督教醫院 | 嘉義市東區忠孝路539號D棟B2 安息室 |
高雄 | 高雄服務處 | 高雄市三民區本館路600巷20號 |
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