Dr Zion Chan 出车祸后不能操刀，老婆也要离开他，被私贷公司強拍豪宅，将损失40万刀。
还是居安思危好，不要借太多，手上要有现金周转。
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老婆丢下他跑了？
好事啊，患难见真情
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workcover呢
insurance呢
终身不能开刀保险陪的钱足够买下房子了把
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说明需要income protection呗
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如果是自己是at fault司机，CTP保险肯定不赔的
如果不是上下班的车祸，workcover也不管的吧
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哎，同甘易，共苦难，丑陋的人性还是居多的
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像这种专业人士都有保险的，不能工作后一般都能收到保险公司给的钱，每个月不比之前工资少多少的钱，不用干又有钱收，楼主就不用瞎操心了
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保险对于高端专业人士真的非常重要，我接触的医生客户无论GP还是Specialist都有相应的保险，而且意外、残疾险、收入险保额都不小，随着债务数量的增加还会相应的提高保额，足够Cover未来风险。
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降级而已吧。经济上应该没有问题
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TPD = total and permanent disability insurance
income protection
early access to super
all will kick in
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那教训结论不应该是：买好保险，遵规守纪吗？
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这个？Dr Zion Chan is a cosmetic surgeon who consults from his Macquarie Street suite in Sydney New South Wales, Australia.
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’Perfect storm’: Cosmetic surgeon Zion Chan defaults on mortgage and forced to sell in Point Piper
Stephen Nicholls
Stephen Nicholls
22 MAY 2019
12/55 Wolseley Rd, Point Piper, now has a price guide of $1.9m.
One of Australia’s top cosmetic surgeons, Dr Zion Chan, no longer able to work after a serious car accident, has been forced to sell the Point Piper home he bought for $2.3 million last March after he defaulted on his mortgage.
The second-tier lender who financed the purchase of the two-bedroom apartment with iconic harbour views at 12/55-57 Wolseley Rd, has changed the locks twice and is threatening to repossess the property, currently on the market with Sydney Sotheby’s International Realty’s Spencer Liang Sun and principal Michael Pallier.
MORE: A home fit for a Prime Minister
Bronte house sells for $11.5m+
The apartment has iconic views …
… from almost every room.
The agents previously had a $2 million price guide, but Dr Chan has now authorised a revised guide of $1.9 million after pressure from the lenders. It’s now set to go to auction on June 5.
“Dr Chan has been caught in a perfect storm,” Mr Pallier said.
“We’ve been instructed that this property has to sell.”
Dr Chan, who is also experiencing a difficult separation from his wife, is very upset that the lender, Pacific 8, won’t give him more time to sell the property in the current challenging property market.
The property has been on the market for almost three months.
The master bedroom.
The dining area.
“I can’t believe the way these lenders are treating me,” Dr Chan said.
“Their aim is to sell my property cheap when I am in a disadvantaged position — not the Australian way.”
Dr Chan, renowned for breast augmentation cosmetic work, operated from a Macquarie St surgery up until July last year.
He said he suffered serious neck and shoulder injuries in a car accident in 2014.
The symptoms started to deteriorate further last July, forcing him to stop work.
“So I have zero income,” Dr Chan said.
“In the accident, I was hit from behind and did serious damage — now I can’t move my arm so I can no longer perform surgery.”
The apartment is on level seven of the 12-level apartment block.
In correspondence seen by the Wentworth Courier, lawyers for Pacific 8 dispute that Dr Chan actually lives at the apartment because it was “furnished with show furniture for the proposed sale and was being shown to prospective purchasers”.
But Dr Chan replied to them: “I have my clothes there in a suit case — I keep things light as I want to sell and move on so I don’t even take a shower … I sleep on the floor and sofa.”
Today he told the Wentworth Courier: “After the royal commission, the Deputy Chairman of ASIC said all corporate businesses must be aware of a societal shift in standards and ethics … and I think the lender’s case in this situation is appalling.
Tips to keep ahead of the property marketPlay Video
1:05
“If they’re doing this to me, imagine what they’re doing to people who are less resourceful and less able to expose these issues.
“I’m not proud I am behind in payments, but unfortunately the circumstances of me being medically unwell make it difficult and I am a willing seller in the market.
“I’m happy to sell for a bit under what I bought it for — all I want to do is move on.”
The Wentworth Courier spoke to Adam Tilley, a director at Pacific 8, who said: “The bloke hasn’t paid his mortgage for six months and it’s before the courts — it’s as simple as that.
“The property’s going to auction … so let’s hope it sells.”
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总有些意外是保不了的，自己做好风险应对计划才是正道
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我觉得有二个可能：
1）他受伤前對老婆很差而且玩女人或
2）他们假离婚、这样就不用全部asset 被銀行強拍其它物业
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这个医生告诉记者他因为不能操刀动手术，现在没有任何收入。
所以我的理解是他原来肯定是有买medical indemnity保险的，但是看来他没有买income protection insurance。
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income protection insurance，这些很基本的保险哦，专业人士怎么可能不买
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亏40万好意思叫豪宅
猫儿不笨说资深GP都90套房子
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这个玩意儿不是忽悠人的？
确定能拿到钱？
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买最贵最好的公司，肯定可以拿到的，有些忽悠公司很简单就可以买，那些好的公司需要体检，填写很多表格才能买，这个必须买呀，说句真的一个月也没几个钱，专业人士赚那么多，拿一点钱买这个买个心安也好
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我也这么觉得
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有道理，有什么推荐的公司吗
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高收入群体还是买个保险吧
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income protection 还能管一辈子？
我见过的也就是支付6个月而已，没什么太大意义
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2014 年出的车祸，
现在5年过去了， 才开始卖房子。。。
只是消费降级而已，
如果是真没钱，一开始就把豪 Apartment 卖了， 估计当时还能多卖好多钱
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没有关系的，跌倒再爬起来。年龄是最大的本钱。
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论保险的重要性
我接触的一些professional的客人，保险都非常完善，而且他们把这个看的很重，保额也都比较高
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都是豪宅?
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加起来比拼一套静安区
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