Audio

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

 

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

Pamphlet

OFS Pamphlet (English | Malay | Mandarin | Tamil)




 

Annual Reports

OFS Annual Reports
2020 | 2019
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)
    Case 1 | Case 2
  5. Exclusion Clause: No valid driving license
  6. Application of Average Clause
  7. Failure to take reasonable precaution:
    Case 1 | Case 2 | Case 3  
  8. Total Loss vs Insurer Cost of Repair
  9. Tampered Chassis Number
  10. Non –disclosure: Absence of specific questions in the Proposal Form
  11. Compensation for Assessed Repair Time (CART): Case 1

Life, Family and General Medical

  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 | Case 3
  3. Delay in Notifying the Insurer: Submission outside timeframe
  4. Exclusion Clause Accidental vs Illness: Case 1 | Case 2| Case 3
  5. Exclusion Clause : Illegal Activities due to No Valid or Expired Driving License
    Case 1 | Case 2 | Case 3
  6. Exclusion Clause: Preventive Medication
  7. Exclusion Clause: Pre-Existing illness
  8. Exclusion Clause: Congenital  
  9. Investigatory Purposes: Investigatory Purposes
  10. Terms and Conditions: Case 1 | Case 2
  11. Temporary Total Disability: Case 1 | Case 2

General Non-Motor

  1. Marine Cargo: Inland Transit Claim
  2. Travel Insurance: Case 1 | Case 2 | Case 3 | Case 4
  3. Burglary: Outlet Robbery
  4. Public Liability  

Independent Review Report

2019 Report | Board's Response