You will need to fill out a Claim Form and submit the completed form together with those documents that are relevant to the nature of your claims and coverage.
Our insurer’s benchmark is to issue payment within 7-14 working days upon receipt of full documentation.
Some policies may state a specific period to notify of a claim. You are advised to study your own policy’s terms and conditions as one policy may differ form another. Alternatively, you could always just contact us directly for these details.
The timeline may vary, depending on the complexity of each claim , how serious the damages or injuries are, and how willingly other involved parties are to cooperate. As an Insurer claims representative, we will always work towards a prompt resolution on each claim. If a claim requires follow-up, rest assured that we will be there with you on each phase of the process - no matter how long it takes. Furthermore, if your claim had been concluded and additional damage or injuries were to be identified, we will reopen the claim and help determine if your policy provides coverage for the additional expense.
A good place to start is by reviewing your policy. You may also want to speak to us or the insurer claims representative assigned to your claim, to help you understand what coverage you have purchased, and how it applies to your particular claim.
Our insurer’s benchmark is to approve damage repair claims within 7 working days for non-severe damages upon receipt of the repair estimate/notification, and within an additional 7 days for extensive damage.
No. You are required to send your car to our insurer’s appointed workshop or to the franchise workshop.
Yes. Please refer to the workshop panel list provided within your car insurance policy. Alternatively, you may get in touch with us as we will be able to provide you with the updated panel list.
In line with the standard motor policy, you are required to notify the claim in writing with full details as soon as possible.
You may refer to the claims guide attached within your motor policy. Otherwise, you may get in touch with us for more details.
No. Currently the standard comprehensive motor insurance policy will only cover for the cost of repairs to your vehicle, but not for any consequential losses as a result of damages to your car.
The amount payable for the total loss or theft of your car will be based on the Agreed Value / Market Value.
We recognize claims made from any provider that is approved and licensed by the Health Ministry.
Claims for medical expenses must always be supported with original bills/invoices. As for hospital income claims, you will only need to submit photocopies of the hospital bills indicating the dates of admission and discharge, as evidence of the hospitalization period.
As medical claims are always paid on reimbursement basis, you will not receive payment for any medical expenses that you did not incur personally. If your employer or another insurance policy is paying you in full for the medical expenses incurred, you are not entitled to claim for any reimbursement from your medical insurance policy purchased from the insurer.
However, if there is any excess amount from the incurred medical expenses which had not been paid by your employer or the other insurance policy, you are entitled to claim the excess amount from your medical insurance policy purchased from the insurer, subjected to the limits, terms and conditions of the policy.
Aside from medical expenses, our insurance policies provide other benefits such as hospital income, disability and death, depending on the policy you purchase. These benefits are paid, in addition to any other coverage that you may already have from your employer or policies you purchased from other insurance companies. Purchasing additional insurance with these benefits would bring you additional protection.
All policyholders are required to settle the hospitalization bill upon discharge, and to submit the original invoices/bills to insurer for reimbursement.
The death benefit is paid to the beneficiary nominated by the policy owner. In the case where no beneficiary is nominated, the death benefit will be paid to the legal representative of the deceased’s estate, or alternatively, to Amanah Raya Berhad (the corporatized government trustee) as provided by the law.
No. It is up to the claimant to prove his claim with reasonable evidence, at his own expense.
Provided that the reason for your hospitalization is one that is covered under the policy, a hospital income claim is paid if the Insured Person is hospitalized for at least 24 hours, as an inpatient, in a licensed hospital.
i) Faster – the funds should be available on the 2nd working from the day the payment had been approved by the Company’s authorized personnel
ii) Convenient - removes the need to travel and to deposit the cheque at a bank, as payments are credited directly into your bank account
iii) Safer - misplaced, lost, fraud or expired cheques will no longer be an issue
No, you are entitled to enjoy this service, completely free-of-charge.
You need to complete the Fund Transfer Authorisation Form / E-Payment Authorisation (“the Form”), and to provide your bank account information as stated in the Form when you submit your claims form.
You can assign any of your existing active savings or current account held under your name, or in the case of a joint account, that has your name as one of the accountholders. Note that the savings or current account must be maintained by one of the financial institutions offering MEPS Inter-Bank GIRO (IBG) service.
Please refer to the following website for a current list of IBG members: http://www.myclear.org.my/faqs/interbank-giro-faqs/
In the event that funds had not been credited into your bank account due to one of the following reasons: incorrect bank account number, closed or inactive bank account, inconsistency of NRIC/Passport number or Business Registration number; you will be contacted by us or the insurer to validate your bank account details. This may lead to unnecessary delay to the payment process. Hence to avoid this issue, please ensure that your bank account details are correct and active upon providing such information to us.
All monies due to a policyholder in the event of his death will go to the administrators of his estate, or to the nominees named in the policy.