{"id":1707,"date":"2024-05-19T16:34:59","date_gmt":"2024-05-19T14:34:59","guid":{"rendered":"http:\/\/prospector.com.pl\/case-study\/"},"modified":"2024-11-15T15:22:36","modified_gmt":"2024-11-15T14:22:36","slug":"case-study","status":"publish","type":"page","link":"http:\/\/prospector.com.pl\/en\/case-study\/","title":{"rendered":"Case study"},"content":{"rendered":"\t<section class=\"hero-section wow fadeInDown \" id=\"block_0e788dc5e677a3bf4bc595c73d8bbbcb\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/case-study-hero-img-2.jpg\" alt=\"Zarz\u0105d\" class=\"hero-section__image\" \/>\n\t\t\t\t\t\t<div class=\"hero-section__caption hero-section__caption--bottom  wow fadeInDown\">\n\t\t\t\t\t\t<h2 class=\"wow fadeInDown\">\n\t\t\t\t\t\t\t\t<span class=\"\">Case study<\/span>\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\t<div class=\"breadcrumbs-wrapper\">\n\t<ul class=\"breadcrumb wow fadeInDown\">\t\t\t<li class=\"home\">\n\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/\">\n\t\t\t\t\t<i class=\"home-icon\">\n\t\t\t\t\t\t<svg id=\"b034ad3d-2571-46a4-8421-20b5411a1cdc\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 131 135.11\"><path class=\"b4d62a81-6103-4667-8d41-febd7700d4c9\" d=\"M65.5,10a6.39,6.39,0,0,1,4,1.36l49.07,38.22A6.39,6.39,0,0,1,121,54.66v64a6.44,6.44,0,0,1-6.43,6.43H16.43A6.44,6.44,0,0,1,10,118.68v-64a6.39,6.39,0,0,1,2.48-5.08L61.55,11.36a6.39,6.39,0,0,1,4-1.36m0-10A16.44,16.44,0,0,0,55.4,3.47L6.33,41.69A16.47,16.47,0,0,0,0,54.66v64a16.44,16.44,0,0,0,16.43,16.43h98.14A16.44,16.44,0,0,0,131,118.68v-64a16.47,16.47,0,0,0-6.33-13L75.6,3.47A16.44,16.44,0,0,0,65.5,0Z\"\/><\/svg>\n\t\t\t\t\t<\/i>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t<\/ul><\/div>\n\n<section class=\"home-info-section home-info-section--style-5 \" id=\"block_7aad238057784b915181047b9ba5d9b6\">\n\t<div class=\"row home-info-section__heading\">\n\t\t<div class=\"heading__title col-12 col-md-12 col-lg-3 col-xl-3 col-xxl-5\">\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"heading__description col-12 col-md-12 col-lg-9 col-xl-9 col-xxl-7 wow fadeInDown\">\n\t\t\t\t\t\t\t<div class=\"line line--1\">Solutions tailored<\/div>\n\t\t\t\t\t\t\t<div class=\"line line--2\">to circumstances<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<div class=\"row home-info-section__description wow fadeInDown\">\n\t\t\t\t<div class=\"description__column col-12  wow fadeInDown\">\n\t\t\t<div class=\"column__inner \">\n\t\t\t\t<p style=\"font-weight: 400;\">The range of our services is indeed extensive. In the\u00a0<strong>Case Study<\/strong>\u00a0section we try to demonstrate our approach and the results of our activities.<\/p>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t<\/section>\n\n\n<section class=\"article-teasers \" id=\"block_9413fe73f21f619f580f42a92f36180b\">\n\t<div class=\"row article-teasers__inner\">\n\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">CASE STUDY \u2013 Trade credit insurance<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Streamlining a credit insurance programme, higher credit limits<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Initial situation<\/strong><\/p>\n<p>Company XYZ had a receivables insurance policy in place directly with its insurer for several years. When a loss occurred, the insurer refused to pay the claim, arguing that certain requirements in the policy were not met. In addition to this, the insurer&#8217;s level of credit limit coverage had deteriorated (limit reductions and single total withdrawals).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Our activities<\/strong><\/p>\n<ol>\n<li>Analysis of the situation<\/li>\n<\/ol>\n<p>We analysed the content of the insurance contract. We referred it to market best practice and our experience. In addition, we reviewed the loss documentation and developed an argumentation for the appeal.<\/p>\n<ol start=\"2\">\n<li>Consultation with the client<\/li>\n<\/ol>\n<p>We held a series of meetings with XYZ in order to better understand the client&#8217;s needs and the procedures in place at the company. We prepared an appeal against the insurer&#8217;s refusal. As a result, the client received compensation partially covering the loss incurred. We worked with the client to develop assumptions for a new insurance programme.<\/p>\n<ol start=\"3\">\n<li>Tender for insurance<\/li>\n<\/ol>\n<p>Based on the mandate received from the client, we organised a tender competition (Allianz Trade, Atradius, Coface, Credendo, Ergo Hestia, KUKE) and conducted negotiations. By using the competition, we were able to obtain more favourable terms, including a premium reduction of almost 20%. At the same time, the insurance terms were better adapted to the client&#8217;s business practice (e.g. no need to report receivables from retail chains for collection, despite overdue amounts). We introduced a clause into the contract entitling the client to terminate the contract when the aggregate limit coverage falls below 75%.<\/p>\n<p>A new insurer was selected following a competition.<\/p>\n<ol start=\"4\">\n<li>Adaptation of internal procedures<\/li>\n<\/ol>\n<p>The client, with our assistance, made some minor changes to its receivables management procedures to better fit the requirements of the new insurance contract. This minimises the risk of claim denial in the future.<\/p>\n<ol start=\"5\">\n<li>Supplementary agreement with a second company<\/li>\n<\/ol>\n<p>As the insurer selected in the competition, could not offer satisfactory limits for several recipients, we negotiated with a second insurer. As a result, the client concluded a \u2018supplementary policy\u2019. This significantly improved the overall credit limit coverage (more than 90%). In order to facilitate the handling of both policies, the complementary contract introduced the same procedures as in the main policy (same deadlines for applications, identical reporting periods, etc.).<\/p>\n<p><strong>Follow-up of insurance contracts<\/strong><\/p>\n<p>A Prospector-appointed account manager supports the client&#8217;s employees in the day-to-day handling of policies. The need for support is most often related to \u2018difficult credit limits\u2019 and clarification of detailed policy provisions in the context of relations with counterparties (e.g. acceptability of payment deferrals, notifications to debt collection).<\/p>\n<p>In addition, we keep the client informed of market developments, e.g. corporate insolvency statistics.<\/p>\n<p><strong>Results<\/strong><\/p>\n<p>Our actions have brought XYZ the following benefits:<\/p>\n<ol>\n<li>partial payment of compensation from the existing policy (PLN 130,000), despite an earlier total refusal,<\/li>\n<li>reduction of insurance costs in the subsequent period by less than 20%,<\/li>\n<li>better security of receivables &#8211; higher credit limits obtained from two insurers,<\/li>\n<li>minimised risk of claim refusal (adjustment of procedures in the policy to the client&#8217;s business practice),<\/li>\n<li>reduced burden on insurance handlers on the client&#8217;s side (support from Prospector&#8217;s account manager).<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">Case study &#8211; insurance of company assets<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Fire &#8211; a difficult risk and confirmation of effective protection<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Client profile<\/strong><\/p>\n<p>Company owning large halls with the purpose of leasing space to other businesses for retail, office, warehouse or service activities.<\/p>\n<p><strong>Problem<\/strong><\/p>\n<p>No insurance offers for buildings, the client&#8217;s main asset.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Initial situation<\/strong><\/p>\n<p>The buildings are predominantly constructed of sandwich panel with polyurethane foam infill. Due to the nature of the business, the combustible construction of most of the buildings and the lack of above-standard fire safety features such as sprinkler systems, the client has always struggled to find suitable insurance cover. However, a large fire in the area and a general tightening of risk assessment policies by insurance companies resulted in a complete lack of insurance offers at one point. In addition to the obvious lack of cover, this further caused problems in the Client&#8217;s relationship with the bank &#8211; the security for the credit line was the buildings and the assignment from the policy.<\/p>\n<p><strong>Goals and expectations<\/strong><\/p>\n<p>Obtaining real insurance cover and the need to demonstrate the policy to the bank.<\/p>\n<p><strong>Our actions<\/strong><\/p>\n<p>The client approached us to help resolve the situation. After analysing all documents and information and developing an insurance programme, we made an enquiry to the market. We approached all property insurance providers operating in Poland and, in parallel, started discussions with Lloyd&#8217;s in London.<\/p>\n<p>In the meantime, a risk audit (survey) was carried out at the client by engineers from an independent expert company. The risk assessment came out well. The minor organisational shortcomings identified, e.g. in securing the passageway better, displaying the smoking ban or storing packaging appropriately, could be rectified almost immediately. The post-inspection recommendations also included the suggestion of a systematic thermal imaging inspection of the main electrical switchboards in the insured halls.<\/p>\n<p>As a result of our activities, we obtained two offers. The great reluctance of insurers to deal with this risk was confirmed. None of the insurers on the Polish market wanted to provide coverage on their own. However, we were able to encourage several companies to form a consortium, thus sharing the risk. Unfortunately, the offer contained significant limitations, including a very high (six-figure) deductible. A second offer was made by Lloyd&#8217;s &#8211; with better terms and conditions and a lower deductible and premium. After its adjustment to national regulations, this offer was finally selected by the client.<\/p>\n<p><strong>Results<\/strong><\/p>\n<p>Thanks to our efforts, the client concluded a satisfactory insurance contract and was able to present the bank with an assignment from the policy.<\/p>\n<p>We constantly monitor the market, but the position of the domestic insurers has not changed in the last few years and the insurance is renewed at Lloyd&#8217;s.<\/p>\n<p>It is noteworthy that the systematic thermal imaging inspections (the client eventually purchased its own camera) have helped to improve safety. During one inspection, overheating of the installation was detected in time and faulty components were replaced.<\/p>\n<p>After a few years, the effectiveness of the policy was tested in practice. A fire broke out in one of the buildings. The loss adjustment with our involvement resulted in the payment of multimillion-dollar damages. Despite the extensive damage, it was possible to renew the insurance for a further period with only a small premium increase.<\/p>\n<p><strong>Summary<\/strong><\/p>\n<p>The above example shows how, through proactive and multi-channel action, a solution can be found even in a very difficult situation. International insurance is sometimes the only option for industries considered risky that cannot find adequate coverage in Poland. Our office&#8217;s cooperation with the London Market, recognised as a global insurance centre, provides our clients with a wider choice and access to modern insurance solutions.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">Case study &#8211; Insurance via public procurement<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Improvement and consolidation of group life insurance in a tender process<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Client profile<\/strong><\/p>\n<p>An entity from the public finance sector with headquarters in Warsaw and branches throughout Poland. Each branch had its own separate group life insurance contract. The premium is fully financed by the employees interested in joining the insurance.<\/p>\n<p><strong>Initial situation<\/strong><\/p>\n<p>Most contracts had not been amended for many years. Thus, they did not take into account market innovations and had outdated terms and conditions. Workers complained that the benefits were too low. Policies usually had only one, same option for all employees. In addition, the occasional transfer of employees between branches resulted in the need for new insurance. The economies of scale of having a large group of employees together, despite the fact that most of the contracts were with the same insurance company, were not exploited at all. Changes were needed, but under current regulations the conclusion of a new contract would require a tender process.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Goals and expectations<\/strong><\/p>\n<p>To unify and improve the programme while meeting formal requirements &#8211; the selection of the insurer should take place in accordance with the public procurement law.<\/p>\n<p><strong>Our activities<\/strong><\/p>\n<p>Initially, we collected and compared in detail all policies in operation. In consultation with the client, a survey was conducted among employees examining their previous experience with this insurance and their expectations. On this basis, we developed a new, uniform programme for the entire institution. In order to take into account the existing habits and needs of the employees, we included all the coverage options previously held. We proposed five insurance variants with different benefit levels and premiums. The options also differed in part in terms of coverage. Some were geared towards more family-friendly options (e.g. illness or hospitalisation of a child), while others were geared more towards securing the life and health of the insured himself.<\/p>\n<p>When preparing the tender documentation, we tried to maximise the benefits for employees. The required scope of protection and the principles of operation of the insurance in line with the client&#8217;s expectations were elaborated in detail and comprehensively in the description of the subject of the contract. We also took care to ensure that the rights acquired by those previously insured were transferred to the new contract. The evaluation of the offers was based not only on the typical criterion of the lowest possible premium, but also on the criterion of the highest possible benefit values. We introduced non-standard and less readily offered additional provisions and extensions of protection by insurers in the form of scored optional clauses. In addition to the substantive preparation of the documents making up the tender specification, we also took an active part in the work of the tender committee, preparing answers to the contractors&#8217; questions and evaluation sheets for the bids submitted. As a result of the tender, a new contractor was selected.<\/p>\n<p><strong>Results<\/strong><\/p>\n<p>The programme was significantly improved and made more flexible. Among other things, new definitions were introduced for certain diseases, the possibility of insuring a life partner as a spouse, a reduction in the number of days of hospital stay entitling to payment of the benefit, an extension of the territorial scope for hospital stays and operations outside the country, a much higher number of serious illnesses. Higher benefits were obtained at similar premiums.<\/p>\n<p>With five variants available to all employees, regardless of location, each employee was able to better tailor the coverage to their own and their family&#8217;s needs. Changing work location between branches is no longer a problem in terms of insurance, as the same programme applies everywhere.<\/p>\n<p>As a result of a smooth implementation campaign and the holding of information meetings at the individual locations, more people became insured. Previously uninsured employees have taken advantage of the opportunity to enrol in the programme without penalty.<\/p>\n<p><strong>Summary<\/strong><\/p>\n<p>Public procurement is a very tightly regulated way of buying. The difficulty is that you have to anticipate and specify in advance most of the elements that later make up the contract. Otherwise, we run the risk that the winning bid will not meet our expectations. Therefore, a clear and comprehensive description of the subject matter of the contract (TOR) is crucial. Skilful drafting of the SOP and proper use of qualitative evaluation criteria makes it possible to obtain a very attractive offer and great results in terms of improving the insurance programme, also within the framework of the public procurement procedure.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">CASE STUDY &#8211; Medical care<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Improvement and consolidation of group life insurance through a public tender<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Client profile<\/strong><\/p>\n<p>A company in the construction industry, which carries out works across the country and employs several hundred people, sponsors medical packages linked to compulsory occupational medicine for its employees.<\/p>\n<p><strong>The problem<\/strong><\/p>\n<p>Increasing dissatisfaction with the medical care programme, in particular problems with timely occupational medicine examinations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Initial situation<\/strong><\/p>\n<p>Poor organisation of occupational health examinations: a lot of errors by the provider and its partner facilities resulting in the employee not being seen or having to pay for the appointment; splitting the examinations into two\/three days or into different locations; not taking into account the employee&#8217;s preference for the place or time of the appointment; long waiting times.<\/p>\n<p>There have been situations where pre-employment pre-examinations have not been carried out, creating additional costs and organisational difficulties on the client&#8217;s side, when the employee could not be allowed to do his\/her job.<\/p>\n<p>Problems with pre-employment examinations began to affect the whole programme: employees were alienated and often did not want to be covered by voluntary medical care despite employer funding. Compulsory examinations became a source of employee dissatisfaction and employer frustration.<\/p>\n<p>In order to try to remedy the problems, the client was entering into unitary extra-paid partnerships with various clinics to arrange critical examinations on their own. This was generating unnecessary costs, as the flat fee for occupational health examinations for all employees was paid under the contract with the primary provider.<\/p>\n<p><strong>Goals and expectations<\/strong><\/p>\n<p>The client asked us to help them find a new healthcare provider, improve the terms of the programme and streamline their occupational medicine organisation.<\/p>\n<p><strong>Our activities<\/strong><\/p>\n<ol>\n<li>To identify the source of the problem and analyse the client&#8217;s needs.<\/li>\n<\/ol>\n<p>To capture the essence of the problem and consider possible solutions, in addition to talking to the client&#8217;s HR department and obtaining contract utilisation data from the medical care provider, we conducted an employee survey in consultation with the client.<\/p>\n<p>During the analysis of the situation, it became apparent that due to the high dispersion of workplaces, it is sometimes problematic for the HR department to deliver the original referral for the initial examination to the new employee quickly. In addition, once the referral was received, employees often delayed calling the provider&#8217;s helpline to arrange testing. As a consequence, it was difficult for the provider to find a convenient date and examinations were already arranged after the start date. In addition, it was evident from the statements made by employees in the survey that employees were not fully aware of the possibilities and how the voluntary healthcare programme works.<\/p>\n<ol start=\"2\">\n<li>Implementing modern solutions.<\/li>\n<\/ol>\n<p>First, based on the needs and expectations of the employer and employees and taking into account market opportunities, we developed the assumptions for the new programme. Once these were agreed with the client, we conducted a bidding competition taking into account various providers: both health insurers offering health insurance and medical companies offering subscriptions. We presented the client with a report detailing the capabilities of each provider.<\/p>\n<p>We recommended the selection of a new provider providing:<\/p>\n<ul>\n<li>a large number of outlets throughout the country, including in smaller towns and cities &#8211; which translates into improved accessibility to services;<\/li>\n<li>acceptance of e-referrals for occupational health examinations &#8211; no need to provide the employee with a paper original;<\/li>\n<li>the handling of requests for occupational health examinations via the provider portal &#8211; the provider learns of the referral immediately, without additional notification;<\/li>\n<li>provider-initiated appointment scheduling of examinations &#8211; rapid contact between the helpline and the employee as soon as the referral is made, more time to select a convenient date and location for the examination;<\/li>\n<li>additional features in the service portal to facilitate the work of the HR department &#8211; e.g. reminders for periodic examinations.<\/li>\n<\/ul>\n<p>In addition, we negotiated contractual provisions obliging the provider to carry out occupational health examinations within a certain timeframe after notification and allowing the client to reimburse the costs if it had to organise the examinations itself due to the provider&#8217;s failure to meet the deadline.<\/p>\n<p>In order to improve employees&#8217; perception of medical care, we prepared friendly communication to employees together with the new provider: leaflets and webinars explaining the scope of care and the rules of use.<\/p>\n<p><strong>Results<\/strong><\/p>\n<ul>\n<li>Significant improvement in the timeliness of occupational health appointments, significantly reducing errors on the provider&#8217;s part.<\/li>\n<li>Relief for the client&#8217;s HR department.<\/li>\n<li>Increased employee satisfaction with the programme and an increase in the number of people who signed up for additional medical care.<\/li>\n<\/ul>\n<p><strong>Summary<\/strong><\/p>\n<p>The whole process from the Client approaching us to the implementation stage took approximately 3 months. The result was a change of provider and <strong>an improved and more computerised organisation of occupational health examinations, greatly facilitating the work of the HR department<\/strong>. We are currently monitoring the implementation of the programme by the provider on an ongoing basis, providing support to the client.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">CASE STUDY &#8211; Insurance of Contractor\u2019s Plant Machinery<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Breakdown risk of underground performance machinery<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Client profile<\/strong><\/p>\n<p>A specialised construction company whose works secure, among other things, the erection of high-rise buildings and the construction of underground structures, including road and rail infrastructure facilities. The company has its own base of specialised construction machinery.<\/p>\n<p><strong>The matter<\/strong><\/p>\n<p>Some construction machinery or equipment, which are the client&#8217;s primary tools, are designed exclusively for underground work. Due to the impossibility of fully discerning and controlling working conditions at great depths, the risk of damage or destruction of such machinery and equipment is hardly insurable. Equipment breakdowns occur where it is not possible to determine the exact cause of the damage.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Expectations of cover<\/strong><\/p>\n<p>Obtain viable insurance cover under a CPM (Contractor&#8217;s Plant Machinery) policy for construction machinery and equipment used for underground works, taking into account their replacement value. The insurance should also cover machine parts and attachments that work underground.<\/p>\n<p><strong>Our activities<\/strong><\/p>\n<p>After receiving a list of equipment to be insured from the client, broken down into above-ground machinery and those designed to work underground, as well as attachments and interchangeable machine parts driven below the surface, we made a precise enquiry into the market.<\/p>\n<p>Despite the standard limitations and exclusions of many insurers regarding risks related to ground vibration, landslides or sinkholes, we obtained a quote that met the client&#8217;s needs. All machines were insured on an \u2018all risks\u2019 basis against, among other things, damage and breakdown, and in addition, machines and machine elements driven underground were covered under dedicated conditions.<\/p>\n<p>We also took care of the real possibility of replacing machines, the sum insured of which was declared in EURO, in the event of the need to purchase new equipment on the foreign market &#8211; the policy contained a clause neutralising the risk of underinsurance, should significant differences in the EURO\/PLN exchange rate occur.<\/p>\n<p><strong>Policy employment<\/strong><\/p>\n<p>In one of the annual policy periods, the risk of damage to equipment working underground materialised. At a depth of approximately 29 metres, heaps of earthen rock unexpectedly stuck and damaged a slurry wall machine. When it was brought to the surface, it became apparent that repairing the excavation attachment was impossible due to numerous fractures and dents in the body of the equipment.<\/p>\n<p>The settlement of the claim with our participation ended with its recognition by the insurer and the payment of several hundred thousand PLN in compensation, which was used to purchase a new attachment on the German market. The amount of compensation corresponded to the current value of the device after conversion into EURO and only needed to be supplemented by the deductible resulting from the franchise agreed in the policy.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"article-teasers__item col-12\" data-expandable-item data-show-fulltext=\"false\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"item__title wow fadeInDown\">CASE STUDY &#8211; Medical care<\/h3>\n\t\t\t\t\t\t\t\t<div class=\"item__subtitle wow fadeInDown\">Upgrade of a medical care programme without changing supplier<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12 wow fadeInDown\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Client profile <\/strong><\/p>\n<p>A service company, with headquarters in Warsaw and locations also in smaller towns, finances medical packages for its employees.<\/p>\n<p><strong>Reason for action<\/strong><\/p>\n<p>Low availability of medical services both in Warsaw and at other company locations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div data-fulltext-wrapper>\n\t\t\t\t\t<div data-fulltext-content class=\"item__content row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content__item col-12 col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"content__inner\">\n\t\t\t\t\t\t\t\t\t<p><strong>Initial situation<\/strong><\/p>\n<p>Notorious lack of appointments for consultations, especially in Warsaw. In smaller towns and cities, the provider&#8217;s partner facilities lack many of the specialists covered by the packages.<\/p>\n<p>Employee dissatisfaction as, despite having packages with a wide range of benefits, they find it difficult to use them.<\/p>\n<p>The contract with the health care provider had been running in the same form in terms of coverage for about 12 years &#8211; only the package prices had changed. The scheme was thus deprived of many of the solutions and facilities that are common today.<\/p>\n<p><strong>Our activities<\/strong><\/p>\n<ol>\n<li>Analysis of the programme and the client&#8217;s needs<\/li>\n<\/ol>\n<p>The client began working with us by entrusting us with the task of reviewing its medical programme and finding a solution that would provide significantly better access to medical services.<\/p>\n<p>After listening to the client&#8217;s needs and requirements, analysing the functioning contract and utilisation data, and conducting a survey among employees, we prepared the assumptions for the new programme. As the medical coverage itself generally met the expectations of the employer and employees, we focused on elements that would improve the availability and overall functioning of the benefit:<\/p>\n<ul>\n<li>Guaranteed availability of medical services at a specific time.<\/li>\n<li>Freedom to treat outside the provider&#8217;s network of available medical facilities with the highest possible level of reimbursement for part of the costs.<\/li>\n<li>Honouring by the provider&#8217;s facilities of referrals for examinations issued by any doctor (outside the provider&#8217;s network), including from the National Health Fund.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>Obtaining appropriate offers from the market and modifying the programme at the current provider.<\/li>\n<\/ol>\n<p>Having identified the key needs and framework of the programme, we began a review of the healthcare market for our client. This activity included, in particular:<\/p>\n<ul>\n<li>A comprehensive analysis of the offers received from both subscription and insurance companies, taking into account the available number of outlets in the client&#8217;s locations and the possibility of including new outlets in the partner network.<\/li>\n<li>Verification of the possibility of solutions offered by individual providers in terms of ensuring the best possible availability of services.<\/li>\n<li>Negotiations with the current healthcare provider.<\/li>\n<\/ul>\n<p>The result of a detailed analysis of available solutions presented to the client in the form of a report was the introduction of new provisions and <strong>a thorough<\/strong> <strong>modification of the programme at the existing supplier.<\/strong><\/p>\n<ol start=\"3\">\n<li>Implementation of changes<\/li>\n<\/ol>\n<p>After negotiating and signing the contract, we conducted the process of implementing the new solutions. It was crucial to adapt the form of communication to inform employees how they could make appointments for consultations or tests, enforce accessibility standards on the provider&#8217;s helpline and obtain reimbursement under the freedom to treat scheme. Instructional videos and one-page leaflets divided by topic made it easier for staff to navigate the information they needed.<\/p>\n<p><strong>Results<\/strong><\/p>\n<p>As part of the accessibility standards, guarantees were included in the contract to deliver medical consultations within days and 100% reimbursement of the cost of the service if these timescales were not met.<\/p>\n<p>We have provided for the possibility of obtaining reimbursement of the cost of medical services incurred by patients outside the provider&#8217;s facilities &#8211; on the principle of freedom of treatment (reimbursement up to a contractually defined amount). This solution has helped to increase the availability of services in small towns where the provider does not have a large number of contracted medical facilities or doctors of the relevant specialities.<\/p>\n<p>We have introduced the honouring of referrals for examinations from doctors outside the provider network, including from National Health Service doctors. This solution allows employees and their family members to quickly access and complete tests ordered by different doctors, which is crucial for the rapid diagnosis of diseases.<\/p>\n<p>Several new facilities identified by employees have been successfully integrated into the provider&#8217;s partner network.<\/p>\n<p><strong>Summary<\/strong><\/p>\n<p>The above example proves that <strong>new solutions do not always have to mean a change of provider<\/strong>. A properly identified problem supported by data analysis, combined with knowledge of available solutions on the market, can result in an improvement in the terms of the contract with the existing provider. An employee survey conducted six months after implementation showed a significant increase in satisfaction with the programme.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"item__readmore wow fadeInDown\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"javascript:void(0);\" data-toggle-details-btn class=\"item__title wow fadeInDown\">\n\t\t\t\t\t\t\t<span class=\"read-more\">read more<\/span>\n\t\t\t\t\t\t\t<span class=\"read-less\">collapse<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/section>\n\n\n<section class=\"call-to-us-section \" id=\"block_10104cccccacafdc546177aceaaf2aff\">\n\t<div class=\"row\">\n\t\t<div class=\"col-12\">\n\t\t\t<div class=\"call-to-us-section__object call-to-us-section__object--secondary wow fadeInDown\" style=\"background-image: url('http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/06\/referencje-cta-img.jpg');\">\n\t\t\t\t\t\t\t\t<h2 class=\"object__title\">\n\t\t\t\t\t\t\t\t\t\t<span><strong>WHO<\/strong> will benefit<\/span>\n\t\t\t\t\t\t\t\t\t\t<span>from cooperating<\/span>\n\t\t\t\t\t\t\t\t\t\t<span>with us?<\/span>\n\t\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t<div class=\"object__button\">\n\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/kto\/\" class=\"button button--with-border\">\n\t\t\t\t\t\tLet&#8217;s check\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1707","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/pages\/1707","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/comments?post=1707"}],"version-history":[{"count":6,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/pages\/1707\/revisions"}],"predecessor-version":[{"id":2100,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/pages\/1707\/revisions\/2100"}],"wp:attachment":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/media?parent=1707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}