Audio

Astro Radio Commercial (English | Malay | Mandarin | Tamil)

 

BFM Interview Part
(Part I | Part II | Part III | Part IV)

Pamphlet

OFS Pamphlet (English | Malay | Mandarin | Tamil)




 

Annual Reports

OFS Annual Reports
(2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011)

Case Studies

Credit Card

  1. Online transaction: No OTP or SMS alert
  2. Online transaction: Online scam
  3. Unauthorized Retail Transaction: Stolen Credit Card
  4. Unauthorized Retail Transaction: Compromised Credit Card
  5. Charges Debited into the Credit Card Account

Operational Issues

  1. Alteration and payment of post-dated cheque
  2. Mis-selling of Bancassurance Product

Contractual Issues

  1. Reinstatement of the Interest Rate

Cash Deposit Machine(CDM)

  1. Non-return of cash

Internet Banking

  1. SMS/Phone Scam

ATM Cash Dispensation

  1. Non Dispensation of Cash

Chargeback

  1. Refund of transaction

Motor

  1. Delay in notifying the Insurer: Stolen Vehicle reported after 4 weeks
  2. Delay in Lodging Police Report: Stolen Vehicle notified after 9 days
  3. Exclusion: Criminal Activity
  4. Application of Average Clause
  5. Failure to take reasonable precaution: Unattended vehicle with engine running
  6. Total Loss vs Insurer Cost of Repair
  7. Tampered Chassis Number
  8. Non –disclosure: Absence of specific questions in the Proposal Form

Life &General/ Family

  1. Non-Disclosure: Medical history not disclosed in Proposal Form Case 1
  2. Non-Disclosure: Medical history not disclosed in Proposal Form Case 2
  3. Total and Permanent Disability Claim: Definition of TPD not fulfilled Case 1
  4. Total and Permanent Disability Claim: Definition of TPD not fulfilled Case 2
  5. Delay in Notifying the Insurer: Submission outside timeframe
  6. Personal Accidental: Accidental vs Illness
  7. Exclusion Clause: Illegal activities
  8. Exclusion Clause:Preventive Medication
  9. Exclusion Clause: Expired Licence
  10. Exclusion Clause: Pre-Existing illness
  11. Investigatory Purposes: Investigatory Purposes
  12. Terms and Conditions: Outpatient vs Admission

General Non-Motor

  1. Marine Cargo: Inland Transit Claim
  2. Travel Insurance: Schedule flight missed
  3. Burglary: Outlet Robbery