Crew Claims how to control costs
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- Jody Butler
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1 Crew Claims how to control costs
2 Summary Introduction to People claims handling People illness claims analysis Top tips on how to control costs in crew claims 2
3 3 Introduction to People claims team Our global footprint
4 People claims specialist team in Arendal Competence Specialist team in Arendal of 14 claims handlers and assistants with a wide range of experience including: Legal Seagoing Dental hygiene Diet/nutrition Personal training In Hong Kong, 7 Claims Executives dealing with people claims 4
5 Crew Illness claims analysis
6 Crew claims Key numbers 200,000+ seafarers on risk 5,000+ open crew claims valued at USD 250+ million Handled 50,000+ crew claims Paid out USD 500+ million 6
7 7 Trends and Analysis Count vs cost of all P&I Claims ( )
8 8 Trends and Analysis Count vs cost of Crew claims. ( )
9 Trends and Analysis Frequency of Crew Claims on vessel types. ( ) Frequency Dry Bulk Carriers. Tankers. Containers 9
10 Trends and analysis Average cost per illness claim 10
11 11 Trends and Analysis Top ten Illness Claims
12 12 Trends and Analysis Age distribution for illness claims ( )
13 13 Trends and Analysis Rank distribution for illness claims ( )
14 Tips on how to control costs in crew claims
15 15
16 Main cost drivers Hospital-/medical costs abroad and in seafarer s home of origin (R27) Contractual sick wages payable to the seafarer in accordance with Employment Contract / CBA (R27) Repatriation costs, incl. ambulance plane (if needed) or medical escort (R27) Travel costs for substitutes (R27) 16 P&I correspondents fees / expenses to monitor situation locally and review costs for approval
17 Influencing factors Nationality of crew member: Europeans -v- others Severity of the injury or illness Special clinic or general hospital required Location of treatment e.g. West Africa; USA; Brazil Fixed or negotiable costs 17 Possibility/availability of discounts
18 Controlling medical costs Tip number 1 Join Gard s Enhanced Pre-Employment Medical Examination: EPEME o Gard implemented its EPEME program in the Philippines in 2004 o More comprehensive than a PEME, includes psychological exam; Hepatitis B, HIV and diabetes tests, drug and alcohol screening, ultrasound 18
19 Controlling medical costs Tip number 2 Notify us as quickly as possible when a crew illness/injury arises In-house competence/experience Right resources Special issues in the US Advance payments 19
20 European Health Insurance Card EHIC Tip number 3 Latvian crew member needed medical assistance in Spain and France followed by repatriation to Latvia. He needed surgery in his home country. If crew member had been in possession of a EHIC card (either physical or via smartphone app) the medical treatment should have been provided to the crew member in Spain and France as if the crew member was a resident of those countries, which would have reduced costs. 20 Further info: Gard Alert: 11/11/16
21 Controlling medical costs Tips when claim is below the deductible Consider alternatives for treatment: o Public/private hospitals o Remote location evacuate? Check social security scheme entitlements: o Cost contributions can be obtained from national social security schemes (and for European crew: EHIC) 21 If vessel is chartered and charterers local agent is involved, monitor events very closely and check there is no fee involved
22 Controlling medical costs Tips when claim is below the deductible Review contractual entitlements relating to duration and amount of: Medical treatment Sick wages Disability compensation Death Compensation If the employment contract provides generous sickness benefits, it is beyond your control to reduce them 22 Try to get a cost estimate for the treatment via the vessel s agent
23 What about a different approach? Use medical auditors to vet bills in other countries than just the US Loss prevention initiatives diet, activity on board etc. Consider wearable technology for crews 23 Use telemedicine
24 Thank you!
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