??????????? ??????????? ?? Incorporated Management Committee Liability Insurance Policy Brief Introduction of Policy Administration and Claims Procedures (IMCLIP)

1
?????????????????????? ??Incorporated
Management Committee Liability Insurance
PolicyBrief Introduction of Policy
Administration and Claims Procedures (IMCLIP)
2 8 October 2013 ??????????? QBE HONGKONG
SHANGHAI INSURANCE LIMITED Speakers ??? Alex
Lau ??? Connie Tse ???
2
?????? Policy Administration

• ??????????????????????????????
• The aided school with Incorporated Management
  Committee (IMC) will receive the following
  insurance documents issued by QBE
• ?? - ???????? ??????? ? ???????????
• Letter stipulating the Master Policy No.,
  Certificate of Insurance No., IMCLIP Hotline and
  Schools Password
• ??????
• The Certificate of Insurance (original document)
• ??????
• A copy of the insurance policy wording
• ??????????????5?????????????,???????? ???????
  (???) (?? 2828 9984)
• In case any school does not receive the above
  documents within 5 working days after
  incorporation of IMC, please contact QBE
  Financial Professional Risks Underwriting
  Division (Tel [phone])

3
?????? Policy Administration

• ????????????????????????,??????? 3607 0330 ???
  akklau_at_qbe.com ??????? ??????? (???)
  ,??????????????
• Should there be any change of name or address of
  IMC school within the policy period, please
  inform QBE Financial Professional Risks
  Underwriting Division either by fax [phone] or
  e-mail akklau_at_qbe.com as soon as possible. We
  shall update the Certificate of Insurance
  accordingly
• ??????,???????? ??????? (???) (?? 2828 9984)
• Should there be any enquiry, please contact QBE
  Financial Professional Risks Underwriting
  Division (Tel [phone])

4
???? Claims Procedures

• ???? Reporting and Notice
• ???????????????????????????
• Circumstance, if during the Period of Cover,
  the Insured becomes aware of any fact or
  circumstance of a Wrongful Act
• ?????????????
• Claim, a written or verbal allegation of any
  Wrongful Act first communicated to the Insured
  during the Period of Cover
• ???? Time of Reporting
• ??????????????????90???????????
• Notify QBE as soon as practicable during the
  Period of Cover or no later than 90 days from
  expiry of the Period of Cover

5
?????? What is a Claim?

• ???
• Includes
• ???????????????????????
• IMC Manager received a written or verbal
  allegation of any Wrongful Act or
• ????????????????????????????????????
• Received notice of a civil proceeding commenced
  by the service of a complaint, summons, statement
  of claim or similar pleading against any Insured
  alleging any Wrongful Act or
• ???????????????????????
• Received notice of a criminal proceeding
  commenced by a summons or charge against any
  Insured alleging any Wrongful Act.

6
?????????????Wrongful Act and Critical Date for
Claims Notification
????? Period of Cover
???? Retroactive Date (??????????? Date of
establishment of IMC) ?? e.g. 02-07-2012
????? Inception Date 01-09-2012
????? Expiry Date 31-08-2015
????? Exclusion ????????????????? The Insured
became first aware of the circumstance or Claim
prior to Inception Date (?2012?8?31????) (i.e.on
or before 31 August 2012)
????? Exclusion ??????????? Wrongful Act
happened prior to Retroactive Date (??????2012?7?
1????) (i.e.on or before 1 July 2012)
???? Covered Wrongful Act (i) ????????????? Wron
gful Act happened on or after the Retroactive
Date ? AND (ii) ????????????????? During the
Period of Cover, the Insured became first aware
of the circumstance or Claim ??
AND (iii) ?????????????? On or before the Expiry
Date, the Insured had reported the Claim or
circumstance to QBE
????? Exclusion (i) ????????????? Wrongful
Act happened after the Expiry Date ?
OR (ii) ????????????????? After the Expiry
Date, the Insured became first aware of the
circumstance or Claim ? OR (iii) ????????????????
??????????????????? The Insured first became
aware of the circumstance or Claim during the
Period of Cover but had not reported to QBE on or
before the Expiry Date
(1)
(2)
(4)
(3)

• ??????????????????????????????????,??????????????
  ???????90?????????
• Claims ConditionDuring Period of Cover, if the
  Insured became aware of any circumstance or
  Claim, the Insured must report to QBE during
  Period of Cover or no later than 90 days after
  the Expiry Date.

7
??????? Claim Procedures Flowchart
8
???????? Download Claim Notification Form

• ?????????????????????????
• Claim Notification Form can be downloaded at the
  following websites
• ??? Education Bureau
• http//www.edb.gov.hk
• http//www.edb.gov.hk/tc/sch-admin/sbm/corner-imc
  -sch/imclip/index.html
• ??????????? QBE Hongkong Shanghai Insurance
  Ltd.
• http//www.qbe.com.hk
• http//www.qbe.com.hk/Claims/ClaimForms/Professi
  onalRiskClaims/Insurance.html
• ??????????,???????10?????????
• QBE will issue acknowledgement within 10 days
  upon receipt of Claim Notification Form
• ??????????????????,??????????? (??2828 9932)
• For inquiry about Claim Notification Form or
  Claim Procedure, please contact QBE - Claims
  Department (Tel [phone])

9
???? IMCLIP Hotline

• ??????????????? 2287 2730
• IMCLIP Hotline (Tel [phone])
• ???????????????
• Only IMC Manager can access the Hotline
• ??????,??????????
• Before inquiry, IMC Manager needs to provide the
  following
• ?????????
• The name of the IMC School
• ??????
• Certificate of Insurance number
• ??????
• Schools password
• ????????
• Callers name and title

10
???? IMCLIP Hotline

• ???????
• Support for Claim Handling
• ????????
• Will not provide any legal advice
• ??????
• Inquiry will be audio recorded
• ????????????????
• The Hotline is operated by Clyde Co
• ????????????????????????(?????????????)
• The Hotline operating hours 900a.m. to 500pm
  from Monday to Friday (except Saturday, Sunday
  and Public Holidays)

11
???? Claim Notification

• ????????????????????????????,??????
• Notice of any Claim shall be given in writing to
  the Insurer, and delivered to

??????????? ????????979???? ??????17? ?????????? Claims Manager Professional Liability Division QBE Hongkong Shanghai Insurance Limited 17/F, Warwick House, West Wing, Taikoo Place, 979 Kings Road, Quarry Bay, Hong Kong
12
?????? Claims Conditions

• ??????????????????????????,???????????
• The Insured agrees not to settle any Claim, make
  any admission, offer or payment with respect to
  any Claim (whether verbal or written)
• ????????????????,??????????????????Please do not
  reply to any letter, complaint, summons,
  statement of claim or similar pleading, and must
  submit copies of the same to QBE for handling
• ????????????, ????????????????????????????????????
  ??
• The IMC or its Managers agree not to settle any
  Claim, make any admission, offer or payment with
  respect to any Claim without the QBEs written
  consent
• ????????????????????????????????
• QBE may at any time on behalf of the IMC school
  defend or settle any Claim

13
?????? Claims Conditions

• ????????????
• Claims Mitigation and Co-operation
• ???????????????????????????Disclose to QBE all
  relevant information and provide assistance to
  the QBE
• ????????????????Do all things reasonably
  practicable to avoid or diminish any loss

14
?????????????Policy Administration and Claims
Procedures

• ??
• Thank you