Agents' Newsletter

QBE is pleased to announce a Product Campaign for Employee Compensation insurance (ECI) from April to July. You can refer your existing client’s portfolio to identify potential ECI opportunity where only one flat rate to be applied for any of your clients under the specific targeted industry. Please refer to below details and start talking with your potential clients now.

Campaign Product: Standalone Employees Compensation 

Targeted industry: Finance/ Insurance / Business Services

Definition of Finance/ Insurance / Business Services: 
Companies which provide financial services and professional business services to commercial and retail customers including but not limited to banks, investment companies, insurance companies, brokerages companies, law firms, consultancy companies, IT, software designers and accountancy companies. 

Promotion Period: 19 April – 31 July, 2021 

Promotional Premium Rate: 0.09% for declared wages (please note Agent commission rate remains unchanged)

Subjectivity: 
- Applicable to Clerical Staff only
- Nil claim history for past 3 consecutive years

How to Apply:
Email Apply: [email protected]

Required Info: 
- Completed Employees' Compensation Insurance Proposal Form (New Application) 
- At least 3 months payroll evidence

QBE will provide confirmation of coverage within 3 working days. Complex cases may require additional review time.

Insurance Authority (IA) announced, in accordance with the schedule set out in the Insurance (Levy) Order under the Insurance Ordinance (Cap. 41), starting from 1 April 2021, the premium levy rate will be adjusted from 0.085% to 0.1%, with the levy cap set at HKD5,000 for general insurance policies. The pricing of all QBE products under Qnect and B2C platform is reflecting the updated premium levy rate. For more details, please refer to the Insurance Regulatory Statement.

Watch a 30-second video
Learn how to make easy motor claims

 

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Why use QBE's panel repairers?

To enjoy hassle-free claim and vehicle repair experience with QBE's panel repairers.

• QBE's Panel Repairers
• Frequently-Asked-Questions

Learn More

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What’s more for motor eClaims? 

Motor eClaims not only enables customers to file motor insurance claims on any device 24/7, but also connects them to QBE’s network of panel repairers and appointed surveyor. 

QBE’s panel repairers are situated across Hong Kong, Kowloon and New Territories neighbouring MTR stations, bringing customers the ultimate convenience and benefits than ever.

Additional NCD Protection^ of Using QBE Panel Repairers for Motor Claims.
To bring an elevated and privileged journey to your vehicle repair experience with our QBE’s panel repairers, we introduced an additional NCD (No Claims Discount) protection of HK$10,000 or 5% of the insured value. To explain a bit further, our standard NCD protector benefits under Motor Supersurance is HK$60,000 or 15% of insured value, whichever is lesser. In case of the insured value is HK$100,000, NCD will be protected if the total claim per year is less than HK$15,000 in the past but now upgraded to HK$20,000 when the car is repaired by our panel repairers.

^Additional NCD protection of HKD10,000 or 5% of the insured value, whichever the less will be awarded. This benefit is applicable to private Car’s Comprehensive cover only and subject to policy terms and conditions.

Other Major Benefits at a Glance:

We are almost one year into the COVID-19 pandemic. While everyone is adjusting to the "new normal" where we work and play in the confines of our home, the frequent use of our home makes home comfort a priority for everyone in the family. As such, we have introduced QBE Home Contractor services for customers who need home damage repair. Throughout the Home insurance eClaims process, customers can now choose to appoint a QBE Home contractor who will contact our customers within 4 business hours, this way our customers can experience a faster survey and settlement of claims. Customers need not make payment upfront, furthermore they enjoy a 12-month workmanship warranty for home repair.

Other Major Benefits at a Glance:

Since the launch of eClaims Service in August 2020, the pleasing adoption rate of online claims lodgement has well reflected your needs. To continuously offer quality service to you and your customers and fulfil our commitment to protect the environment, effective from January 2021, QBE Hong Kong will only accept online claim submissions, and cease accepting any submission of paper claims forms via mails, emails or faxes. Please submit claims online at eClaims Platform (https://www.qbe.com/hk/en/eclaims) and advise your customers the same.

For any further enquiry, please contact our Claims Services Team at [email protected] / +852 2877 8608.

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How to submit a claim online

1. Claims submit online via eClaims
(https://www.qbe.com/hk/en/eclaims)

eClaims enables claim submission of all products anywhere 24/7 and delivers faster settlement. Keeping you better informed and managing your customers’ claims effortlessly. If you wish to know more about the benefits and features of QBE eClaims, please click here to view the Frequently-Asked-Questions (FAQs). 

2. Claims submit online via Qnect

Ease to submit claims for customers via Qnect, with a comprehensive view of all online claim submissions and status under your portfolio.

1. Login to Qnect (http://partner.qbe.com/hk)
2. Search the policy for claim submission
3. Under the Policy Options tab, click “New Claim”
4. Fill in the eClaims form and submit

1. Claims submit online via eClaims
(https://www.qbe.com/hk/en/eclaims)

eClaims enables claim submission of all products anywhere 24/7 and delivers faster settlement. Keeping you better informed and managing your customers’ claims effortlessly. If you wish to know more about the benefits and features of QBE eClaims, please click here to view the Frequently-Asked-Questions (FAQs). 

2. Claims submit online via Qnect

Ease to submit claims for customers via Qnect, with a comprehensive view of all online claim submissions and status under your portfolio.

1. Login to Qnect (http://partner.qbe.com/hk)
2. Search the policy for claim submission
3. Under the Policy Options tab, click “New Claim”
4. Fill in the eClaims form and submit

At QBE, we understand that our clients need to have a specialist provider that is instrumental to help them manage Employees’ Compensation, a critical part of your clients’ operation. QBE Connect, a customer-centric claims approach to proactively analyse, plan and coordinate each injured employees’ claim, helping the employees to return to his/her duty as soon as possible is one of the kind in the market.
 
We have a panel of dedicated representatives with medical work experiences assigned to manage and support the medical process of each injured workers, from proactively communicate with the injured worker regularly on the patient medical treatment, to intervene to provide assistance like case conference with the doctor(s), to introducing the appropriate specialist(s) if needed.
 
Understanding the golden recovery time of the injured, we established a panel of specialists bringing the employees priority treatment. All these facilitates the injured employees returning work at the soonest possible and both employers and employees benefits by the lessening of claims amount needed, retaining experienced employees and lowering the lost of training new hire. This individualised service management approach underpins our core vale of listening and understanding to our clients.

From 7th April 2021, a new “Manage My Portfolio” dashboard is introduced on Qnect will enhance the existing functions of some existing pages.

 
Let’s visit Qnect: https://partner.qbe.com/hk/ or refer to the below materials for more details! 

• Promotion Video
• Quick User Guide
• “Manage Renewals” User Guide
• GI FAQ

Summary of New Functions:

 

End-to-End Digital Experience for all products* 
(*Qnect or non-Qnect products)
 
In January 2021, QBE Hong Kong has upgraded our all-in-one portal, Qnect with a refreshed look and new features to support you in performing instant and tailored quotations, endorsements, renewals, cancellations and policy management including claims and payments, thereby enabling timely support and quality service delivery to your customers. 
 
All your submitted quotes and requests can be monitored on the Quotation Dashboard. It also helps you to consolidate and manage all quotes and requests of all products* in one single touch point.

You may refer to the User Guide and Induction Video for more details.

Find out more on Qnect: partner.qbe.com/hk !
(Tips: Optimize your Qnect experience with Chrome.)

Quotation Dashboard

 
To consolidate quotes and requests for all products (Qnect or non-Qnect products) on Quotation Dashboard, you can also instantly check the status of any quotes or request on Quotation Dashboard. 

Types of status include:

Pending Review	Request is being reviewed by underwriters. Once the review is completed, you will be notified by email with the response and  status update.
Pending Document	Issuance Request is awaiting QBE to issue document.
Policy Issued	Policy documents has been issued. You can retrieve the documents from the reference link.
Quotation Issued	Quotation has been issued. You can view and download the quotation document from the reference link
Information Required	You will receive an email from underwriter to ask for additional information.
Declined by Client	Request or Quote was declined by client
Declined by QBE	Request or Quote was declined by QBE underwriter. Please refer to the reason for rejection from the reference link.
Archived	Request was obsolete and archived.
Converted	Request was converted to another case type after clarification with requestor.

SME gloom about Hong Kong economy persists, while rethink on insurance is needed
 
As a keen supporter of SMEs, QBE Hong Kong has recently undertaken a market research study to understand this important segment. The study drew on an online survey of 410 Hong Kong SMEs in Q4 2020. The findings reveal SMEs’ business sentiments and concerns amid uncertainties brought by the COVID-19 pandemic, point to startling risk exposure among some SMEs, and highlight the surge of cyber risks as digitalisation speeds up across all sectors.

We understand SMEs can be more vulnerable against fluctuating economic conditions, it is vital for SMEs to arm themselves with ample and proactive risk protection measures, especially as they become more reliant on doing business online.

SMEs will benefit from seeking consultation from insurance professionals who can help them understand their specific needs and explain the types of insurance coverage to fit their business instead of basing purely on the cost of insurance. Having the right insurance coverage will also help SMEs in the event of a claim. 

Some key insights reveal as follows:

• The COVID-19 pandemic has led to the surge in digital usage and, consequently, given rise to cyber risks for which Hong Kong SMEs are underprepared.
• Business risks are also growing but the majority of SMEs lack suitable insurance coverage that can address their most pressing concerns.
• SMEs’ vulnerability to business risks is set against the growing pessimistic outlook among them for the Hong Kong economy.

Learn more: 
Press Release l Infographic