1. Ship Management Company where Superintendents required to fly on board the container vessels anywhere with ships broken down and with Technical Manager advice, arrange ship management program to impare the ships in question.  Mobility arrangement or consideration is required as the Superintendents would be seconded to and from 5 Indian offices.

2. Depots are huge and open location for empty containers piled up at most 7 levels and containers trucks are day in and out loading and unloading containers.  A dangerous places where EWORLD handles 2 cases of bodily injury and property damages.

3. PRC Ship Agency Representative Offices at 16 locations in China had different insurance benefits which were voiced unfair treatments. EWORLD spent 2 years to line up 3 Master PRC insurance policies in Commerical Medical and Life cover, Worker Compensation cover and Worldwide Travel Insurance cover for those 1 500 PRC employees.

4. In Hong Kong Regional headoffice, EWORLD also insured some members on board to deliver documentations and some Top Management seconded from Hong Kong to PRC offices.  Mobility arrangement and special Top up cover in Medical, Life and Disablity Insurance were insured.

EWORLD ceased serving this world's largest shipping group in 2012 following the early retirement of the founding Managing Director and the Senior General Manager.
From 1 Hong Kong company EWORLD started to serve, by end of 2012, there were 1 Hong Kong and 16 Ship Agencies and Terminal offices in China, 1 Hong Kong and 5 Ship Management Offices in India, 4 Depots in China, 3 Cruises companies in Hong Kong and China, totally 30 legal entities were served and coordinated by EWORLD.

Handling different insurance policies
 

From 2000 to 2012, EWORLD served this Shipping client with the following insurance policies:

1. Group Medical Insurance

2. Group Life, Accidental and Critical Illnesses Insurance

3. Group Travel Insurance

4. Employee Compensation Insurance

5. Package Office and Liability Insurance

6. MPF Retirement Scheme

7. Motor Insurance

8. Mortgage Fire Insurance

9. Properties All Risks Insurance

10. Money Insurance

11. Third Party Liability Insurance

12. Employer Liability Insurance


Claim Experiences

1. Emergency Evacuation Assistance for a Kidney Transplant patient from Shenzhen to Hong Kong

 
In 2003 we received an urgent phone call from one of our clients’ HR Manager who asked me to arrange an Emergency Evacuation service to evacuate an Expat employee previously diagnosed with Kidney diseases who had admitted in a PRC hospital for a Kidney Transport operation which was however not going through smoothly. 
 
The request required 2 immediate solutions, one involving which emergency evacuation service company was good and safe enough for the immediate action and secondly “who” the Specialist was readily available to take over the medical treatment 4 hours later after the patient started being evacuated from Shenzhen to Hong Kong.
 
EWORLD coordinated the best known Emergency Evacuation company and reserved a private hospital room with a Specialist Dr experienced with emergency medical treatment to take over the patient on the same day.   The takeover arrangement was smoothly conducted and EWORLD also informed the medical insurer and the HR about the costs impact and benefits arrangement in the coming renewal.  The case was appreciated by both the Corporate company, HR and the family of the Expat and the Expat recovered to work and 3 years later returned to his home country office. 

 
2. Emergency Medical Arrangement for a USA visiting guest lady in Hong Kong
 
In 2007 eWorld received another emergency phone call from the secretary of the Managing Director, who was an expat seconded from Australia, of a multinational client in which the visiting guests of our Corporate client were the Managing Director of its USA regional office counterpart and his daughter who was during the dinner time happened epilisey requiring immediate inpatient treatment.
 
The daughter was 16 years old and no one was expected such diseases happened in this healthy lady.  At that moment the HR in USA could do little support in Hong Kong side and again EWORLD arranged immediately a Specialist and a private hospital private room for the young lady.
 
The support backing up the Hong Kong Managing Director was greatly appreciated by the Company and the USA Managing Director and EWORLD understood well how importance we as the Coordinator for our clients to our VIP clients when they need emergency medical assistance in Hong Kong.

 
3. Emergency Credit Arrangement with a hospital in Australia

Some 10 years ago we received an email sent from a BB of an Expat client whose company medical insurance policy was arranged by EWORLD.   The spouse of the Expat was travelling in Australia alone while the Expat was in annual business presentation at the Corporate Head office locarted in Europe.   Without insuring a travel policy, the spouse travelling alone incurred a sudden sickness in Australia where no claim form nor sufficient money were available to settle the hospital bill.

In view of the request from the Expat and in order to bring peace of mind and focus in the Corporate meeting, EWORLD sought its company approval and asked the medical insurer in Hong Kong to help.  With the credit undertaking by EWORLD, the Claim Department of the medical insurer called directly to the Australia hospital and confirmed a credit facility with the overseas hospital such that the spouse could discharge as normal without the troublesome arrangement ot claim documentation.

The credit facilities approved ease the concern of the Expat and successfully concluded the Annual Meeting without any interruption.  Both the company in Hong Kong and the Expat appreciated our effort to try this overseas undertaking which was heard the first time arrangement approved in the existing medical insurer.


4. A Real Senior Director

Several years ago EWORLD received an invitation to manage and insure a coproate client's insurance services.  One of the policies was a Group Medical Insurance in which EWORLD discovered its an employee aged over 65 was only covered by the basic inpatient without the Supplementary Major Medical cover.  

Noting the normal retirement age in Hong Kong is aged 65 EWORLD unearthed this overage employee was the founding Director in this 100 size employees company.  With the confirmation by the management, EWORLD started negoiating with existing insurer to extend exclusively this real senior director.  Gathering the background, health profile and claim pattern EWORLD worked out a special approval of Supplementary Major Medical Plan exclusively for the Senior Director with a reasonable benefit level based on a scalable proportion of the policy premium.

A year later the Senior Director incurred an accident but with the additional top up, the emergency accident expenses were satisfactorily covered by the additional Supplementary Major Medical.  The Management and the HR appreciated our recommendation and special effort to foresee the potential risks.


5. A Story of Cancer Treatment
 
In Apr 2013 a weekend afternoon EWORLD received a phone call from an Expat client aged 40, asking if a medical consultation and treatment was required as the past whole week our client always wanted to sleep.  We advised our client to go seeing the Doctor asap preferably in an OPD of a private hospital as we thought it was not a good sign and sympton.
 
The following date we received from our client phone call informing the diagnosis being Leuke Blood Cancer.  Since a few months ago we had completed an annual review with our client whose spouse was suggesting to downgrade the benefits to a local lower benefits and we explained the potential high medical costs in Hong Kong, the Expat agreed to our recommendation to maintain the existing benefits to renew, we immediately inform our client on the phone that the benefits were very rich for the potential cost of treatment should be well covered we reassured our client.
 
2 weeks later we received the spouse phone call our client did not want to proceed the chemotherapy treatment as the expense was huge that unless the flat was sold out.  We calmed down our client spouse and visited the hospital to explain the coverage and in order to let our client with peace of mind, we asked, if possible, the Specialist in charge wrote us a Treatment Plan such that we could have a written confirmation.  The following day our insurer partner confirmed with our understanding on the coverage and we reassured our client and also encouraged our client call us any time if needed.
 
As our recommended medical insurance plan provided inpatient facilities our client did not need to pay first and claim later our client could focus the treatment without worrying the financial pressure.  2 years treatment completed and was confirmed no more cancer cell scanned by any diagnostic test such as PETCT, etc.  The first year treatment costs were about HK$ 1,500,000 and the second year half million and nearly all expenses were fully covered subject to the benefits limit as insured.  When we met our client after "fully recovered" in the hospital, the spouse was so happy saying "Stanley you are the best".
 

6. Emergency Travel Disruption in USA

One of our personal clients who was a Doctor was planning to attend a medical meeting held in the USA.  After we discussed the trip location, routing, time spent and the purpose, we suggested an expensive travel policy to our client.  The travel to the destination required a transit in USA but due to the climate issue the flight was delayed without catching up the transit flight.  The Doctor called upon us for advice as the Doctor could not find alternative flight catching up the meeting held 8 hours later. 

As a very important meeting, our Doctor client went with his fellow Doctor took on a taxi travelling non stop 8 hours to the destination hosptial.  Only a hand written taxi driver receipt and  a hand written Airline Irregular Report were available.  The taxi fee was USD 2,200 equivalent to some HK$ 20,000 in total for the taxi fees.  Our recommended insurer processed the claim in full and even surprised the Doctor client.  

In fact his fellow Doctor could not claim the lost as the travel delay required either the flight was cancelled or delayed more than at least some 6 or 8 hours.  Our client could not wait and immediately arrange the taxi and it was appreciated that our recommended travel insurer provides no such restriction as it is intended to cover business travel.

"This was the largest taxi expense claimed in EWORLD!" appreciated by our Doctor client.


7. Home Burglary Posted on the Headline of Fruit News

An expat client one day called upon EWORLD asking about a Home insurance cover for his personal property including jewelery and watches.  EWORLD met the client examing the details of the items where the values of each jewelery could not be provided as they were bought in different times and different places worldwide.  EWORLD prepares a full list of insurable items and suggested those without payment receipts should be valuated by the Jewel Shop.  Though highly reluctant, the expat client arranged the valuation report causing several thousand Hong Kong dollars which was more than the annual premium of the said home policy.