Local Assistance Services本地协助服务
Practical help on the ground for clients, in English and Chinese.为客户提供中英文的在地实际协助。
What I help with服务内容
Enrollment support投保协助
Explain options and help you apply through licensed channels.讲解方案，协助您通过持牌渠道投保。
Hospital guidance & escort就医指引与陪同
Help choosing a hospital, booking, and accompanying where arranged.协助选择医院、预约，按约定陪同就医。
Claims paperwork理赔材料
Checklist, form filling, translation coordination and follow-up with the insurer.材料清单、填表、翻译协调及与保险公司跟进。
Language support语言支持
Help communicating with hospitals and the insurer.协助与医院及保险公司沟通。
Please note请注意
I am not a doctor and do not give medical advice. Claim decisions are made by the insurer according to the policy terms. Service scope and any fees will be confirmed with you in writing beforehand.本人非医生，不提供医疗建议。理赔由保险公司根据合同条款决定。服务范围及费用（如有）会事先书面确认。
Anonymous claim scenarios匿名理赔情景
Illustrative process walkthroughs based on common situations. Details are anonymised; no amounts or products are shown, and every real claim is decided by the insurer.以下为根据常见情况整理的流程示例，信息已匿名，不涉及金额与产品，实际理赔以保险公司审核为准。
1 · Sudden illness1 · 突发疾病
A visitor develops a high fever on a business trip. We help choose a suitable hospital, explain registration, and remind them to keep the medical record, receipts (fapiao), and test reports. Afterwards we help organise the claim form and documents for submission to the insurer.一位商务访客出差期间高烧。我们协助选择合适的医院、说明挂号流程，提醒保留病历、发票和检查报告；事后协助整理理赔申请表及材料提交保险公司。
2 · Accident injury2 · 意外受伤
A tourist sprains an ankle while hiking. After emergency care, we help request an English-language diagnosis where available, collect the accident description and invoices, and track the claim's progress with the insurer.一位游客徒步时扭伤脚踝。急诊处理后，我们协助申请英文诊断（如医院可提供），整理事故说明和发票，并跟进理赔进度。
3 · Medical evacuation3 · 医疗转运
A traveller in a smaller city needs specialist treatment. We help contact the insurer's 24h assistance line, which assesses and arranges any transfer under the policy terms, while we support communication with the hospital and family.一位在小城市的旅客需要专科治疗。我们协助联系保险公司24小时救援热线，由其依据合同条款评估并安排转运，同时我们协助与医院及家属沟通。