Hong Leong MSIG TakafulHong Leong MSIG TakafulHong Leong MSIG Takaful

General Takaful Claims

You can help us ensure your claim is processed quickly and simply by ready all the necessary documents.

 
Personal Accident / Group Personal Accident Claim

Information required

  • Date
  • Brief circumstances of accident
  • Nature of injury

Document required

  • In respect of INJURY claims
    • Claim Form
    • Police Report
    • Medical Report
    • Sick leave certificates/chits (if coverage includes weekly benefits)
    • Original medical bills (if coverage includes medical benefits)
    • Photographs of injured person and injury (for Permanent total disablement)
    • Copy of Employment Letter/ Contract (for Group Personal Accident unnamed employee)
    • Copy of salary slip for the past
  • In respect of DEATH claims
    • Claim Form
    • Police Report
    • Post Mortem Report
    • Death Certificate
    • Burial/cremation certificate (where applicable)
    • Letter of Administration (where applicable)
    • Copy of Employment Letter / Contract (for Group Personal Accident)
    • Copy of salary slip for the past 3 months prior to the accident (for Group Personal Accident)
 
Workmen’s Compensation (WC) / Foreign Workmen’s Compensation Scheme (FWCS) Claim

Information required

  • Date of loss
  • Brief circumstances of accident
  • Nature of injury

Document required

  • In respect of INJURY claims
    • Claim Form
    • Police Report
    • Employment Letter/ Contract
    • Wages records (6 months prior to the accident)Medical Report/ specialist report
    • Original medical bills / receipts
    • Sick leave certificate / chits
    • Photographs of injured person and injury (for Permanent total disablement)
    • Labour department assessment of compensation (for FWCS)
  • In respect of DEATH claims
    • Claim Form
    • Police Report
    • Post Mortem Report
    • Death Certificate
    • Burial/ cremation certificate (where applicable)
    • Copy of Employment Letter/ Contract
    • Wages records (6 months prior to the accident)
    • Report to Labour department (for FWCS)
    • Labour department assessment of compensation (for FWCS)
    • Details of dependants / beneficiates
 
House owner (Building) / Householder (contents) claims

Information required

  • Date of loss
  • Brief description of damage
  • Estimated loss
  • Other certificates/ policies, if any

Document required

  • In respect of BUILDING (HOUSEOWNERS) claims
    • Claim Form
    • Police Report
    • Fire Brigade report (where applicable)
    • Contractor’s repair quotations / invoices
    • Photographs depicting the damage
  • In respect of CONTENTS (HOUSEOWNERS) claims
    • Claim Form
    • Police Report
    • Fire Brigade report (where applicable)
    • Purchase invoices, payment receipts, etc
    • For jewellery items : ORIGINAL dealers certificates / receipts
    • Replacement quotation / invoices
    • Photographs depicting the affected areas
  • In respect of LIGHTNING claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill
    • Photographs depicting the damaged parts
    • Technician service report on the cause of damage
  • In respect of IMPACT DAMAGE claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill
    • Photographs depicting the damage
  • In respect of BURSTING OR OVERFLOWING OF DOMESTIC WATER TANKS APPARATUS OR PIPES claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill (for building)
    • Photographs depicting the damage / break –in damage
    • List of affected contents (where applicable)
    • Purchase invoice, payment, receipts , etc (for contents) Replacement quotations/invoices/receipts (for contents)
  • In respect of THEFT claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill (for building)
    • Photographs depicting the damage / break –in damage
    • List of affected contents (where applicable)
    • Initial purchase invoices, payment, receipts , etc (for contents)
    • Replacement quotations/invoices/receipts (for contents)
    • For jewellery items : ORIGINAL dealers certificates / receipts (where applicable)
  • In respect of WINDSTORM claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill
    • Photographs depicting the damage foof / break –in damage
    • List of affected contents (where applicable)
    • Initial purchase invoices, payment, receipts , etc (for contents)
    • Replacement quotations/invoices/receipts (for contents)
  • In respect of FLOOD claims
    • Claim Form
    • Police Report (if any)
    • Contractor’s repair quotation / bill (for building)
    • Photographs depicting the damage contents ( for contents)
    • List of affected contents ( where applicable)
    • Initial purchase invoice , payment receipts, etc ( for contents)
    • Replacement quotations/invoices/receipts ( for contents)
 
Fire Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Witness/es details, if any
  • Estimated loss

Document required

  • In respect of BUILDING claims
    • Claim Form
    • Police Report
    • Fire Brigade Report
    • Photographs depicting the damage
    • Registration card and Takaful Operator / Insurer details of the vehicle involve (where applicable)
    • Internal investigation
    • Repair quotation / bill
    • Letter from Participant holding the party at fault liable ( where applicable)
  • In respect of FIXTURE AND FITTINGS claims
    • Claim Form
    • Police Report
    • Fire Brigade Report
    • List of affected contests
    • Purchase invoices, payment receipts, etc
    • Repair bill/ replacement invoice for the affected items
    • Photographs depicting the damaged items
  • In respect of STOCK claims
    • Claim Form
    • Police Report
    • Fire Brigade Report
    • Purchase invoices/ Delivery Orders
    • Inventory record – last stock check/ stock movement records
  • In respect of MACHINERY claims
    • Claim Form
    • Police Report
    • Fire Brigade Report
    • Specification/description of machines/purchase invoices
    • Maintenance / service
    • Repair bills/replacement invoice for the affected items
    • Technicians service report on the cause of the fire
  • In respect of MACHINERY claims
    • Claim Form
    • Police Report
    • Fire Brigade Report
    • Specification/description of machines/purchase invoices
    • Maintenance / service
    • Repair bills/replacement invoice for the affected items
 
All Risk Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Witness/es details, if any
  • Has a police report been lodged
  • Estimated loss and description of items lost

Document required

  • In respect of THEFT claims
    • Claim Form
    • Police Report
    • Proof or ownership, such as purchase invoice, receipts, etc
    • Asset listing
    • Replacement invoice/ quotation
    • Photographs ( if involving break-in)
  • In respect of ACCIDENTAL claims
    • Claim Form
    • Police Report
    • Proof or ownership, such as purchase invoice, receipts, etc
    • Asset listing
    • Replacement invoice/ quotation/repair invoice
    • Technical report on nature and extent of damage
    • Photographs of the damages item/s
 
Plate Glass Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Estimated loss

Document required

  • In respect of THEFT claims
    • Claim Form
    • Police Report
    • Repair bills / invoices
    • Photographs of damaged plate glass
 
Equipment All Risk Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Witness/es details, if any
  • Has a police report been lodged?
  • Estimated loss

Document required

  • In respect of ACCIDENTAL/ FIRE DAMAGE claims
    • Claim Form
    • Police Report
    • Proof or ownership, such as purchase invoice, receipts, etc
    • Photographs of the damages item/s
    • Damage / Technician report on the cause of damage
  • In respect of TOTAL LOSS/THEFT claims
    • Claim Form
    • Police Report
    • Proof or ownership, such as purchase invoice, receipts, etc
    • Damage / Technician report on the cause of damage
    • Registration card of the equipment duly signed
    • JPJ K2 form duly signed
    • Keys to the equipment
    • Balance of outstanding load/ release letter from HP Owner
    • Certified copy of Borang 9 – memorandum of business registration
 
Employee’s Dishonesty Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Has the Participant identified the defalcator?
  • Has a police report been lodged against the defalcator?
  • Estimated loss

Document required

  • Claim Form
  • Police Report lodged against the defalcator
  • Statement of claim
  • Copy of identify Card of defalcator
  • Document substantiating defalcated amount e.g copies of Participant’s accounting including copies of receipt, payment vouchers, pay – in – slips, cheque butts, bank statement , sales transaction records, stock records etc
  • Other evidence of misappropriation, e.g CCTV recording etc
  • Letter of employment of defalcator
  • Letter of termination of defalcator
  • Confession letter, if any
  • Police investigation result
  • Last salary slip of defalcator
  • Internal investigation report/ domestic enquiry
  • Any salary/ monies belonging to the defalcator that is withheld by the Partipant
  • Any recovery / repayment of the defalcated amount by the defalcator
 
Burglary Claim

Information required

  • Date of loss
  • Situation of loss
  • Who discovered the loss?
  • Point of entry/ exit
  • Has it been reported to police
  • Estimated loss and description of items lost
  • Witness/es details, if any

Document required

  • Claim Form
  • Police Report
  • Proof or ownership, such as purchase invoice, receipts, etc
  • Photographs of break-in
  • Stock records ( where applicable)
  • Security guard’s log book / central monitoring system records (where applicable)
  • Statement of claims and description of items, quantities, unit price and total amount
  • Replacement invoice/ quotation
  • Quote or invoice for repair to building (where applicable)
 
Money In Transit / Money in Premises Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Situation of loss
  • Witness/es details, if any
  • Has a police report been lodged?
  • Estimated loss

Document required

  • In respect of MONEY LOST IN TRANSIT claims
    • Claim Form together with details of claims
    • Police Report
    • Copies of Participant’s accounting or other documentation to establish the exact amount of loss, including copies of receipts, payment vouchers, pay-in-slips, cheque butts, Bank Statement, sales transaction records, etc
    • Identity Card and employment of the person /s involved ( where applicable)
  • In respect of MONEY IN LOCKED SAFES/STRONGROOM claims
    • Claim Form together with details of claims
    • Police Report
    • Copies of Participant’s accounting or other documentation to establish the exact amount of loss, including copies of receipts, payment vouchers, pay-in-slips, cheque butts, Bank Statement, sales transaction records, etc
    • Central monitoring system records ( where applicable)
    • Alarm service/ maintenance records ( where applicable)
 
Public Liability Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Third party Takaful Operator/ Insurer details. Whether Third party is making a claim under his own certificate/ policy

Document required

  • Claim form
  • Police Report
  • Security Guard Log Book, where applicable
  • Any contract signed between Participant and Third party
  • Proof of ownership of property damaged
  • Medical report and medical bills ( for injury claim)
  • Repair bills/replacement invoice for property damaged claim
  • Internal incident report
  • Photographs of the damaged items/ injured person and scene of incident
  • Letter of demand from third party
  • Post mortem report/ death certificate/burial certificate/funeral expenses bill (for fatal claim)

Note : Participant is not allowed to negotiate/agree payment/repair or commit in any manner to the Third Party without the consent of Takaful Operator

 
Goods in Transit Claim

Information required

  • Date of loss and brief circumstance of loss/damage
  • Situation of loss
  • Details of transporters/hauler
  • Particulars of third party, if any
  • Estimated loss

Document required

  • Claim form
  • Police report
  • Claim Bill
  • Consignment note, packing lists, delivery order, invoice, purchase order
  • Carriage contract, where applicable
  • Participant’s declaration of carriage, if certificate is an annual certificate
 
Marine Cargo Claim

Information required

  • Date of loss/ discovery
  • Details of consignee, consignor and carrier
  • Brief circumstances
  • Estimated loss

Document required

  • Shipping documents e.g packing list, delivery order, bill of lading/airway bill, supplies invoices, custom declaration, consignment notes
  • Post shipment survey report, if any
  • Pre-shipment surveyor’s report
  • Equipment interchange receipt
  • Certificate/declaration (if open cover certificate)
  • Stowage plan
  • Discharge tally sheet, if any
  • Claim bill
  • Letter of claim against shipper, carrier or other relevant parties/authorities and their replies
  • Photographs of the damaged cargo
 
Contractors/ Erection All Risk Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Details of who is responsible for the loss?
  • Extent of damage
  • Estimated costs/loss

Document required

  • For loss/damage to CONTRACT WORKS/MATERIALS AT SITE claims
    • Claim form
    • Police report
    • Letter of Award
    • Drawing or specifications relating to the damage
    • Schedule of work showing the stage of completion prior to damage
    • Photographs of completion works prior to damage (if any)
    • Bill of Quantities (BQ)
    • Records to show the materials were delivered to site, e.g delivery orders, goods receipt records, invoices, stock requisition, stock records
    • Consultant’s or internal report on extent of damage and suggested scope of repairs
    • Repair bill or replacement Invoice
  • For loss/damage to UNDERGROUND FACILITIES claims
    • Claim form
    • Police report
    • Letter of Award
    • Participant’s letter to the relevant authorities requesting for the layout plan before commencement of work their replies
    • Photographs depicting the damaged items’
    • Internal incident report
    • If damage is caused by equipment, registration card of the equipment
    • Takaful Operator/ Insurer of the equipment
    • Letter of demand from third party involved
    • Repair bill/replacement invoice
  • For loss/damage to PRINCIPAL EXISTING PROPERTY claims
    • Claim form
    • Police report
    • Letter from principal holding Participant liable
    • Photographs depicting the damaged items
    • Internal incident report
    • Repair bill/ replacement invoice
  • For loss/damage to THIRD PARTY PROPERTY DAMAGE claims
    • Claim form
    • Police report
    • Letter of Award
    • Proof of ownership of affected property
    • Photographs depicting the damaged item
    • Repair bill/ replacement invoice
    • Letter of demand/writ/summons from third party/ies
    • Internal incident report
    • Takaful Operator / insurer for affected property
    • Third parties ‘adjusters’ report , if any
  • For THIRD PARTY FATAL/ BODILY INJURY claims
    • Claim form
    • Police report
    • Letter of Award
    • Medical report and/ or post mortem report
    • Death certificate
    • Burial certificate
    • Funeral expenses / bill

Note : Participant is not allowed to negotiate /agree payment/repair or commit in any manner to the Third Party without the consent of Takaful Operator.

 
Electronic Equipment Claim

Information required

  • Date of loss
  • Brief circumstances of loss
  • Has it been reported to the police?
  • Estimated loss and description of items damaged/stolen

Document required

  • In respect of THEFT claims
    • Claim form
    • Police report
    • Proof of ownership, such as purchase invoice, receipts, etc
    • Asset listing
    • Replacement invoice/quotation
    • Photographs depicting the break-ib=n damage (where applicable)
    • Copy of authorization letter of listing showing the staff was in possession of the stolen item ( where applicable)
  • In respect of DAMAGE claims
    • Claim form
    • Police report
    • Proof of ownership, such as purchase invoice, receipts, etc
    • Asset listing
    • Replacement invoice/quotation/repair invoice
    • Technical report on nature and extent of damage
    • Photographs depicting the damaged item

*** we wish to advise that the above request for documents and/or information is made strictly on A Without Prejudice basis to certificate liability. Further, it is not intended to be exhaustive as the need for additional documents and/ or information may be required in the course of our analysis


Level 5, Tower B, PJ City Development,
No.15A, Jalan 219, Seksyen 51A,
46100 Petaling Jaya, Selangor
Tel: (603) 7650 1800
Fax: (603) 7620 6730