Navigating Insurance Matters With Clarity and Care

The engagement begins with a review of your insurance policy and an assessment of the claim merits under Malaysian regulations. We then assist with preparing claim documentation, quantifying losses, and handling correspondence with the insurance company. If a partial denial or delay is encountered, we advise on the appropriate next steps. Initial advisory is delivered within one to two weeks from instruction.

Yes. Our advisory and dispute services cover both conventional insurance regulated under the Financial Services Act 2013 and takaful arrangements under the Islamic Financial Services Act 2013. We are familiar with the requirements applicable to takaful operators and can advise on disputes involving takaful certificates, contributions, and benefit claims.

You share your current insurance documents — policy schedules, certificates, and any broker correspondence — along with your stated objectives. We review them against your exposure profile and produce a plain-language summary identifying coverage scope, exclusions, limitations, and areas where additional endorsements may be worth considering. The review is completed within two to three weeks of receiving complete documentation.

The Financial Mediation Bureau (FMB) is an independent dispute resolution body that handles complaints from financial consumers in Malaysia, including insurance policyholders. It provides a structured avenue for resolving disputes without court proceedings. We can assist in preparing and presenting your matter to the FMB, and advise on whether FMB referral, arbitration, or court litigation is most appropriate given your circumstances.

Our services are available to both individuals and business entities. The policy review service is particularly suited to companies with commercial insurance portfolios, and the dispute litigation service covers matters where the policyholder is a corporate entity. We have reviewed and advised on commercial general liability, professional indemnity, directors and officers liability, keyman insurance, and industrial property coverage.

Our services are priced by engagement type. Claim advisory starts from RM 650, policy review from RM 1,500, and dispute litigation from RM 3,200. Each engagement is scoped before commencement so you have a clear view of the work to be carried out and the associated fees. We are transparent about any factors that may affect the total fee and will discuss these with you before proceeding.