Claim Notification

• Claimant should inform FSMOne as soon as possible if claim events arise.
• FSMOne assists to submit Claim Notification to the insurer within stipulated time.
• FSMOne will advise the claimant for the forms and documents needed based on the claim type.

Claim Submission

1. Claimant gathers and submits the required documents to FSMOne (recommended) or directly to the insurance company.
2. FSMOne checks and ensure completeness of claim form and documents.
3. FSMOne submits the required document to the insurance company for claim.

Claim Enquiry & Follow Up

1.  FSMOne will follow up with the insurer to enquire claim status or progress.
2. FSMOne updates claimant from time to time.
3. If there are additional documents required, FSMOne will follow up with claimant in order to submit these documents to the claims department.

Claim Result

1. Claimant receives claim payment if claim is successful and payable.
2. Receive decline letter if the claim is declined.

Appeal

1. If claimant is dissatisfied with the claim decision, FSMOne will assist to submit appeal letter stating the reason for appeal or dissatisfaction.
2. If claimant is not satisfied with the final outcome, he/she may seek assistant from OFS (Ombudsman for Financial Services).