Document Checklist

What should I do if my claim is rejected?

If your claim has been denied, you are entitled to an explanation by your insurance company. Should you find grounds to appeal this decision, you can try submitting additional documents to support your case.

Otherwise, you can take the following steps:

Step 1: You may appeal to our claims management, including relevant information with the supporting document(s), for review.
Step 2: You may refer your dispute to an independent dispute resolution channel as follows:

If your claim amount is within RM250,000.00, you can write to the Ombudsman for Financial Services (OFS) within six months from the date of our decision.

For claims exceeding the monetary limit mentioned above, you may write to Bank Negara Malaysia Telelink at the following email address: bnmtelelink@bnm.gov.my or at the following address:

Laman Informasi Nasihat dan Khidmat (LINK)

Bank Negara Malaysia

P.O. Box 10922

50929 Kuala Lumpur

Tel: 1-300-88-5465 (1-300-88-LINK)

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