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3rd Annual

Main Conference: 23 – 24 July 2019


 Post-Conference Workshops: 25 July 2019

Pre-Conference Workshops: 22 July 2019 
 Venue: Parkroyal on Beach Road, Singapore

SPEARHEADING DIGITISATION AND CUSTOMER-CENTRIC


INNOVATION IN INSURANCE

FEATURING CXOs FROM ASIA’S LEADING INSURANCE COMPANIES

Mark van den Broek Francesco Lagutaine David Cabral Nirupam Das
Chief Information Officer Chief Marketing & Experience Chief Operating Officer Chief Information Officer
Manulife Asia Design Officer Peak Re Hong Kong Liberty Insurance
Manulife Asia

Alp Altun Gilbert Naibaho Alvin Nand Walter de Oude


Regional Chief Chief Operating Officer Chief Operating Officer, Chief Executive Officer
Transformation Officer, PT Lippo General Head of Global Operational Singapore Life
Asia Pacific Insurance Tbk Transformation
Allianz QBE Insurance Asia

4 UNIQUE THEMES FEATURING HIGHLY FOCUSED CASE STUDIES


& DISCUSSIONS!

CUSTOMER OPERATIONAL MARKETING DIGITAL & PRODUCT


EXPERIENCE EXCELLENCE & DISTRIBUTION INNOVATION

Sponsors:

Media Researched &


Partners: Developed by:

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

Dear Colleagues,
KEY SESSIONS YOU DON’T
WANT TO MISS!
An ongoing drive towards transformation, digitisation and
innovation has put the insurance industry on the verge of
a paradigm shift. As traditional industry borders fall away,
A RENEWED FOCUS TO
the future of insurance stands to be greatly determined CUSTOMER EXPERIENCE AND
by the advances in digital innovations and cutting-edge THE STRATEGIC SHIFT TO
technologies. DIGITAL

Returning for the 3rd edition, join us at Digital


Transformation for Insurance Summit 2019 to explore
how insurers can strengthen enterprise capabilities across
customer experience, operations, marketing, distribution
and product development to value create and win over EMBRACING DIGITISATION
next generation customers. AND AUTOMATION TO DRIVE
OPTIMAL PRODUCTIVITY
2019 summit themes include:

 Accelerating business digitalisation for agile operations


and customer excellence
 Implementing a digitally-empowered and seamless
omni-channel customer experience
 Growing new market segments through insight-driven
product innovation and strategic partnerships
 Developing a winning multi-channel distribution model,
including direct digital, agent empowerment and more
 Embracing digitisation and automation to transform  TAYING AHEAD OF THE
S
onboarding, underwriting, payments and claims INDUSTRY INNOVATION
processing CURVE WITH AN ECOSYSTEM-
 Harnessing artificial intelligence to drive customer value BASED INSURANCE MODEL
and business growth

Seize this opportunity to learn, benchmark and exchange


best practices with the region’s top insurers.

We look forward to meeting you at this exciting industry


gathering in July 2019!  ODERNISING GOVERNANCE
M
STRATEGIES AND LEGACY
Sincerely, SYSTEMS FOR GREATER
BUSINESS AGILITY
Kanjal Rubiny
Conference Director
Digital Transformation for Insurance Summit 2019

*Group discounts available

4 FEATURED MASTERCLASSES

A D
Transforming Customer
Experience with Design B C Repositioning Agents
to Transform Sales
Reinventing Business and Deepen Customer
Thinking
Building a Robust Data- Operations with Robotic Relationships
Driven Strategy Process Automation

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

HEAR FROM OUR


ESTEEMED SPEAKER FACULTY

Mark van den Francesco Walter de Samrat Das


Broek Lagutaine Oude Chief
Chief Chief Chief Information
Information Marketing Executive Officer
Officer & Experience Officer PNB MetLife
Manulife Asia Design Officer Singapore India
Manulife Asia Life Insurance
Company
David Kohler David Cabral Alp Altun
Regional Head, Chief Regional Chief Juliana Chua
Customer Operating Transformation Head of Digital
Experience Officer Officer, Transformation
& Culture Peak Re Hong Asia Pacific NTUC Income
Generali Asia Kong Allianz

Kolja Klawunn Gilbert Nirupam Das Grace Tng


Regional Head Naibaho Chief Executive
of Operations Chief Information Director,
- Asia Pacific Operating Officer Head of
Allianz Global Officer Liberty Bancassurance
Corporate & PT Lippo Insurance Singapore
Specialty SE General DBS Bank
Insurance Tbk

Alvin Nand Alex Tan Simon Dr Kumud


Chief Operating CoE Director, Johnson BORDOLOI
Officer, Head Global Head of Chief
of Global Operations Claims Underwriting
Operational Excellence, QBE Officer (Health)
Transformation Strategy Insurance and Health
QBE Insurance & Planning Singapore Business
Asia MetLife Partner - Life
AXA

Joe Durkan Frank Jason Cheung Dennis Liu


Regional Stevenaar Chief of Executive
Alternative Co-Founder & Agency, Vice President
Distribution Chief Financial GI Distribution & Head, Business
Leader Officer AXA Transformation
- Asia GoBear Singapore & Technology
Pacific Life Re Etiqa Insurance

Ofir Shalev Claudio Sean Burns Veema


Chief Data Caballero Head Of Ramsing
Scientist Director, Analytics Head of
& Analytics Product - Group Automaton,
Officer Innovation Operations Underwriting
CXA Group IAG QBE Insurance & Claims
Singapore Munich Re

Gavin Julian Mengual Takayuki Sumi


Gollogley Hugh Terry CEO of Global Head -
Head of Founder Southeast Asia Tokio Marine
Digital - Asia The Digital and Regional Innovation Lab
Sun Life Insurer Health | Head, Digital
Financial Solutions Strategy &
Cigna Thailand Synergy Division
Tokio Marine
Holdings

Thomas Ravi Saraogi


Andrew Wee David Ng Hadorn Co-Founder &
Pre-Sales Chief Revenue Managing President – Asia
Director – Asia Officer Director – Asia Pacific
Pacific KPISOFT Pacific Uniphore
Quadient
Tricentis Software Systems

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

WORKSHOPS

A PRE-CONFERENCE WORKSHOP
Monday 22 July 2019, 9AM to 12PM B PRE-CONFERENCE WORKSHOP
Monday 22 July 2019, 1PM to 4PM

Transforming Customer Building a Robust Data-Driven


Experience with Design Thinking Strategy
Key Learning Outcomes: Key Learning Outcomes:

 Embedding design thinking into your customer  Learning how to identify and prioritise new sources
acquisition plan with acute insights on changing of data that are most valuable to insurers
customer behaviors  Using real-time data for real-time impact
 Structuring an effective testing, monitoring and  Unlocking the full potential of data: What systems,
continuous improvement program to ensure technologies and processes are needed to acquire
experience excellence across all customer channels meaningful insights?
and touchpoints
 Delving into the roles of technology and innovation
in the implementation of design-led customer
solutions

David Kohler
Regional Head, Customer Experience
& Culture
Generali Asia

C POST-CONFERENCE WORKSHOP
Thursday 25 July 2019, 9AM to 12PM D POST-CONFERENCE WORKSHOP
Thursday 25 July 2019, 1PM to 4PM

Reinventing Business Repositioning Agents to


Operations with Robotic Process Transform Sales and Deepen
Automation Customer Relationships
Key Learning Outcomes: Key Learning Outcomes:

 Investing in advanced automation to reduce  Redesigning agent remuneration schemes to align


operational stress and for effective transactions with new omni-channel distribution models
handling  Upskilling agents and enhancing training and
 Deploying automation technologies and ensuring development efforts to increase sales effectiveness
integration with existing processes and operations  Empowering agents to use digital and social media
 Implementing IT upgrades across the enterprise in tools for marketing, prospecting, lead qualification
a systematic fashion for automation success and customer engagement

Nirupam Das
Chief Information Officer
Liberty Insurance

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY ONE


Tuesday, 23 July 2019

08:00 REGISTRATION & COFFEE & TEA

08:45 Chairman’s Opening Remarks

PLENARY SESSIONS: DIGITISATION & TRANSFORMATION

09:00 Harnessing the Power of Digitisation to Accelerate Business Transformation and Innovation at Scale
 Formulating an effective digitisation roadmap focusing on operational agility and customer excellence
 How can insurers govern business models to reap the full rewards of digitisation and innovation?
OPENING CXO PANEL

 Staying ahead of the digital curve with strategic investments in people, process and technology

Panelists:
Walter de Oude Alvin Nand Alp Altun
Chief Executive Officer Chief Operating Officer, Head of Regional Chief Transformation Officer,
Singapore Life Global Operational Transformation Asia Pacific
QBE Insurance Asia Allianz

10:00 Experiences Beyond Expectations: Leading a 360° Cloud-Enabled Transformation


 Building an enterprise strategy with a cloud-first approach
 Defining guiding principles and designing a lean and agile operating model
 Staying ahead of the digital curve with strategic investments in people, process and technology

10:30 SPEED NETWORKING & MORNING REFRESHMENT BREAK

STREAM A STREAM B
Customer Experience Operational Excellence

11:15  everaging Artificial Intelligence and Data Science to


L Embracing Digitisation and Automation to Drive
Personalise Customer Experience Optimal Productivity
PANEL

 Gaining a complete and unified customer view  Reviewing where to digitise and how to automate for
 Impact and power of predictive analytics on optimal ROI
customer journey mapping  Augmenting enterprise readiness for digitisation,
 Acquiring in-depth customer understanding and automation and technology integration
insights to improve acquisition, retention and loyalty  Ensuring enterprise-wide adoption to achieve
operational efficiency and productivity gains
Panelists:
Ofir Shalev Moderator:
Chief Data Scientist & Analytics Officer Gilbert Naibaho
CXA Group Chief Operating Officer
PT Lippo General Insurance Tbk
Claudio Caballero
Director, Product Innovation Panelists:
IAG Nirupam Das Veema Ramsing
Chief Information Officer Head of Automation,
Liberty Insurance Underwriting & Claims
Munich Re
Kolja Klawunn
Regional Head of Operations – Asia Pacific
Allianz Global Corporate
& Specialty SE

Developing a World-Class Omni-Channel Experience


12:00  Driving Operational Efficiency and Cost Savings with
for Enhanced Customer Engagement Robotic Process Automation (RPA)
 Achieving full customer visibility across multiple  Boosting efficiency and precision with the
touchpoints intersection of humans and machines
 Establishing synergies and delivering seamless  Leveraging RPA as a competitive advantage: Where
experiences across online and offline channels can automation best benefit insurers?
 How can insurers build a true omni-channel  Best practices and steps to ensure RPA
experience across the customer journey? implementation success

Andrew Wee
Pre-Sales Director – Asia Pacific
Quadient

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY ONE


Tuesday, 23 July 2019

12:30 NETWORKING LUNCH

STREAM A STREAM B
Customer Experience Operational Excellence

14:00  ptimising Customer Analytics for a 360-Degree


O Accelerating Underwriting Process with Automation
View across Touchpoints and Channels for Greater Productivity and Sales
 From touchpoints to journeys: Seeing the world as  Integrating automated underwriting to reduce
customers do manual processing for increased efficiency
 Infusing customer centricity across all touchpoints  Catering to the responsive and modern customer
and channels to identify business gaps and sales demands with quick turnarounds to boost sales
opportunities  Enabling better underwriting decision based on real-
 Building out data-driven insights to increase time underwriting data and models
customer lifetime value and profitability
Dr Kumud BORDOLOI
Chief Underwriting Officer (Health)
and Health Business Partner - Life
AXA

Humanising Insurance: Advancing Digital Self-Service


14:30  Automating Claims Processing for Higher Customer
Innovation and Adoption Satisfaction and Cost Reduction
 Integrating self-service within an omni-channel  From application to verification through to approval:
customer strategy Benefits of automating complex claim transactions
 Implementing digital self-service tools for  Utilising automation to reconcile single and multi-
operational and customer excellence party claims
 Driving self-service adoption with a high-tech and  Optimising the claims experience with speed and
high-touch approach transparency

Samrat Das Simon Johnson


Chief Information Officer Head of Claims
PNB MetLife India Insurance Co. Ltd QBE Insurance Singapore

15:00  ushing the Frontiers in Artificial Intelligence


P Maximising Client Success with Seamless Customer
and Conversational Commerce to Elevate Digital Onboarding
Engagement  Insurance onboarding: The key to lasting customer
 Mastering the new rules of digital customer relationships
engagement: Content, context and personalisation  Streamlining and automating customer onboarding
 Strengthening digital capabilities with the right processes
technology and platforms  Keeping customers engaged and informed with real-
 Elevating digital interactions with exceptional user time processing and data accuracy
experience

Ravi Saraogi
Co-Founder & President – Asia Pacific
Uniphore Software Systems

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY ONE


Tuesday, 23 July 2019

15:30 AFTERNOON REFRESHMENT BREAK

INTERACTIVE DISCUSSION GROUPS [2 ROTATIONS @ 35MINS EACH]

16:15 DIGITAL SELF-SERVICE WORKFLOW AUTOMATION CUSTOMER INSIGHTS

ROUNTABLE A: ROUNTABLE C: ROUNTABLE E:


The Use of Chatbots to Enhance Process Optimisation though Leveraging Predictive Analytics for
Customer Interactions at Scale Robotic Process Automation Product Cross Sell and Upsell

Sean Burns
Head of Analytics –
Group Operations
QBE Insurance Singapore

ROUNTABLE D: ROUNTABLE F:
ROUNTABLE B: Transforming Insurance in the Age Empowering Enterprise
Deploying a Mobile-First Customer of Intelligent Automation Performance and Decisions with
Engagement Strategy Data-Driven Insights

David Ng
Chief Revenue Officer
KPISOFT

17:30 Chairman Closing Remarks and End of Conference Day 1

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY TWO


Wednesday, 24 July 2019

08:00 REGISTRATION & COFFEE & TEA

08:45 Chairman’s Welcome Remarks

PLENARY SESSIONS: GOVERNANCE MODELS & ENTERPRISE ARCHITECTURE

09:00 A Renewed Focus to Customer Experience and the Strategic Shift to Digital
 Putting customer centricity at the heart of business transformation
KEYNOTE

 Fusing digital and experience to meet and exceed today’s customer expectations
 Driving value for today’s digitally-empowered customers

Mark van den Broek


Chief Information Officer
Manulife Asia

Francesco Lagutaine
Chief Marketing & Experience Design Officer
Manulife Asia

09:30 Modernising Governance Strategies and Legacy Systems for Greater Business Agility
 Moving from traditional IT infrastructure to infrastructure as a utility – What are the challenges and
opportunities?
PANEL

 Infusing digital to support business growth, functionality and agility


 Enabling seamless service delivery with a digital-ready operating model

Panelists:
David Cabral
Chief Operating Officer
Peak Re Hong Kong

10:15 Empowering the Intelligent Enterprise with Scalable Architecture and Robust Integration Capabilities
 Streamlining workflow processes and attaining total visibility on organisational performance
 Making sense of omni-channel data and enabling ease of creation of various views across stakeholders
 Adopting a holistic approach to business value creation and maximising customer impact

Thomas Hadorn
Managing Director – Asia Pacific
Tricentis

10:45 SPEED NETWORKING & MORNING REFRESHMENT BREAK

STREAM C STREAM D
Marketing & Distribution Digital & Product Innovation

The Future of Insurance Distribution in the


11:30  Understanding New Age Customer Needs to Create
Digital Age Compelling Insurance Offerings
PANEL

 Tracking generational changes in customer  Referencing customer profiles, demographics and


preferences and expectations needs to design relevant and customised offerings
 Maximising sales and marketing outreach with the  Capturing the next generation of customers with
right strategies and distribution channels data-driven product management
 Performance measurement and benchmarking in  Delivering value beyond traditional insurance: How
taking distribution effectiveness to the next level can product innovation drive customer growth?

Panelists: Panelists:
Jason Cheung Frank Stevenaar
Chief of Agency, GI Distribution Co-Founder & Chief Financial Officer
AXA Singapore GoBear.com

Gavin Gollogley Wan Ting Poh


Head of Digital, Asia Director, Data Science
Sun Life Financial Alllianz

Julian Mengual
Chief Executive Officer & Country Manager
Cigna Thailand

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY TWO


Wednesday, 24 July 2019

STREAM C STREAM D
Marketing & Distribution Digital & Product Innovation

Digital Insurance 2.0: Growing through Frictionless


12:15  Winning in a New Age of Insurance: Unifying Business
Multi-Channel Distribution Intelligence and Technology-Driven Value Generation
 Synchronising sales and distribution channels for  Data visualisation for insurers: What it is and why it
optimal market coverage and ROI matters
 Championing customer centricity as the cornerstone  Redefining insurance with new sources of data and
of an effective omni-channel distribution framework advanced analytics
 Scaling up multi-channel distribution strategies to  Optimising business decisions and uncovering
enhance customer acquisition outcomes strategic opportunities in the age of digital customer
engagement

12:45 NETWORKING LUNCH

14:00 I mproving Customer Acquisition Costs and Marketing Capturing the Value of APIs in Fuelling Product and
ROI across Channels Service Innovation
 Transforming traditional go-to-market strategies  Evolution of the API economy: Adopting new
amidst the erosion of customer trust business models to drive future innovation
 Examining customer behavior, engagement and cost  Fast tracking product innovation with APIs to unlock
of acquisition per channel customer growth and revenue
 Having a single customer view to efficiently  Growing partner networks to scale product planning
maximise campaigns and influence customer and development
acquisition costs

Shaping New User Experience and Customer


14:30  Applying Design Thinking to Create Customer-Centric
Engagement with Digital Insurance Platforms Products
 Evaluating key challenges in driving effective digital  Charting a path to customer centricity: How design
marketing and distribution engagement thinking can transform life insurance
 Enhancing digital capabilities to better engage and  Monetising the use of design thinking to improve
service connected customers product development
 Going beyond transactional platforms to engage  Promoting creative and non-linear approaches to
and delight customers product innovation

Joe Durkan David Kohler


Regional Alternative Distribution Leader – Asia Regional Head, Customer Experience & Culture
Pacific Life Re Generali Asia

Commercialising Digital-Only Distribution Channels


15:00  Staying Ahead of the Industry Innovation Curve with
for Effective Customer Outreach an Ecosystem-Based Insurance Model
 Evaluating and analysing online traffic capture and  Insurance beyond digital: The rise of ecosystems and
conversions platforms
 Launching and modifying products at scale via  Harnessing digital technology to originate new
multiple digital platforms products and value-added services
 Proven approaches to delivering on mobile-first  Broadening platforms, ecosystems and an
insurance distribution aggregated mixture of brands, products ad services
for new revenue generation
Dennis Liu
Executive Vice President & Head, Takayuki Sumi
Business Transformation & Technology Global Head – Tokio Marine Innovation Lab | Head,
Etiqa Insurance Digital Strategy & Synergy Division
Tokio Marine Holdings

15:30 AFTERNOON REFRESHMENT BREAK

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

CONFERENCE DAY TWO


Wednesday, 24 July 2019

PLENARY SESSIONS: DIGITISATION & TRANSFORMATION

16:00  tructuring Sustainable Bancassurance Partnerships to Accelerate Customer Outreach and Business
S
Profitability
PANEL

 Reinventing bancassurance for the digital generation


 Exploring new dynamics of a cost-effective and win-win bancassurance partnership
 Devising a cohesive multi-product and multi-strategy to target, acquire and convert customers

Grace Tng
Executive Director, Head of Bancassurance Singapore
DBS Bank

16:45 Emerging InsurTech Trends: Separating Hype from Reality to Shape Your Digital Insurance Strategy
 Getting to the heart of InsurTech: What does it really mean?
KEYNOTE

 Delving into the 10 Key trends to future proofing your digital business strategies
 Personal view of implication and how they might play out in Asia

Hugh Terry
Founder
The Digital Insurer

17:15 Chairman’s Closing Remarks & End of Summit

T: +65 6722 9388  E: enquiry@iqpc.com.sg  W: digitalinsuranceasia.iqpc.sg


3rd Annual

SPONSORSHIP OPPORTUNITIES

Digital transformation for Asia’s insurers is no longer an “if” but a “when and how” question.
From what we see, there are two distinct groups on the market horizon: Progressive insurers who are aggressively
investing in new technologies to advance their digital strategy and new insurers who are gradually looking to go digital.
Facing myriad options and advice in the market, such as where to start with digital transformation, how to integrate new
technologies with legacy systems and proven avenues towards customer advocacy within the organisation, insurance
practitioners are actively seeking and evaluating what works best in addressing their end objectives.
This no doubt provides prime opportunities for astute solution vendors and consultants who are adept in their solution
offerings and field of expertise to develop great customer partnerships

Do you provide Are you able Can you help Do you provide Do you have Can you build
scalable and to effectively insurers who scalable and superior brand the business
cost-effective consult on digital are looking cost-effective engagement case and
customer transformation, to enhance customer and customer demonstrate
experience technology front and experience interaction ROI for new
solutions? integration back-office solutions? solutions? technology
and change productivity? innovation?
management?

AN UNRIVALLED
PLATFORM TO PROFILE
ESTABLISH YOUR SOLUTIONS, DEMONSTRATE
INDUSTRY GOODWILL THOUGHT LEADERSHIP
SERVICES & IDEAS!
Maximise exposure and client Share your expertise and client
outreach through impactful use cases with senior stakeholders
corporate branding and and decision-makers who matter.
profiling at the event.
Available Opportunities:
Available Opportunities:  Plenary speaking
 General lunch sponsor  Stream speaking
 Refreshment break sponsor  Interactive roundtable host
 Cocktail reception sponsor  Panel moderator

SHOWCASE YOUR NETWORKING


SOLUTION OFFERINGS & LEAD GENERATION
Leverage essential face time
Book an exhibition space to
and targeted interactions with
demonstrate your solutions
key prospects to optimise your
and service offerings. Limited
networking ROI.
booths remaining!
Available Opportunities:
 Private client lunch
 Client introductions and
business matching

CONTACT US
With deliberately limited sponsorship opportunities, this event ensures an optimal buyer-to-seller ratio that guarantees
dedicated engagement time with end-user companies in attendance.
Time is of the essence! Contact Sharon Yang on +65 6722 9410 or sponsorship@iqpc.com.sg to explore customised
sponsorship packages that can help achieve your business objectives and accelerate your sales cycle.
 Main Conference:
3rd Annual 23 – 24 July 2019 5 WAYS TO REGISTER
 Pre-Conference Workshops:
22 July 2019 +65 6722 9388 enquiry@iqpc.com.sg
 Post-Conference Workshops:
25 July 2019 +65 6720 3804 https://digitalinsuranceasia.iqpc.sg
 Venue:
Parkroyal on Beach Road, IQPC Worldwide Pte Ltd, 61 Robinson Road,
Singapore #14-01 Robinson Centre, Singapore 068893

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IRED

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EXP
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Registrations/orders received without immediate payment or credit card details will incur a
processing fee of SGD99 per delegate. Payment is due in full upon receipt of invoice. Full
 BY DIRECT TRANSFER Please quote 28992.003 with remittance advice payment prior to the event is mandatory for attendance.

IQPC Bank Details: Account Name: IQPC WORLDWIDE PTE LTD IQPC WORLDWIDE PTE. LTD.
Account Number: 147-048128-001 Swift Code: HSBCSGSG Company Registration No: 199702288Z
Bank Address: The Hong Kong and Shanghai Banking Coporation, 21 Collyer Quay, ©Copyright 2019 IQPC Worldwide Pte. Ltd. All rights reserved. This
brochure may not be copied, photocopied, reproduced, translated,
#08-01 HSBC Building, Singapore 049320 or converted to any electronic or machine-readable form in whole
All bank charges to be borne by the payer. Please ensure that IQPC receives the full invoiced amount. or in part without prior written approval of IQPC Worldwide Pte. Ltd

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