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

Pamphlet

OFS Pamphlet (English | Malay | Mandarin | Tamil)




 

Annual Reports

OFS Annual Reports
2018 | 2017 | 2016 | 2015
2014 | 2013 | 2012 | 2011

Case Studies

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 Clause: Criminal Activity
  4. Exclusion Clause: Criminal Breach of Trust (CBT)  
  5. Application of Average Clause
  6. Failure to take reasonable precaution: Unattended vehicle with engine running
  7. Total Lost vs Insurer Cost of Repair
  8. Tampered Chassis Number
  9. 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 | Case 2
  2. Total and Permanent Disability Claim: Definition of TPD not fulfilled
    Case 1 | Case 2
  3. Delay in Notifying the Insurer: Submission outside timeframe
  4. Exclusion Clause Accidental vs Illness: Case 1 | Case 2
  5. Exclusion Clause: Illegal activities
  6. Exclusion Clause:Preventive Medication
  7. Exclusion Clause: Expired Licence
  8. Exclusion Clause: Pre-Existing illness
  9. Investigatory Purposes: Investigatory Purposes
  10. 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