Three Services, One Focus: Your Coverage
Each service is designed to address a specific point in the insurance journey — from understanding your policy, to resolving a dispute, to building corporate coverage that performs.
How We Work
1. Understand
We begin by listening carefully to your situation before reviewing any documents.
2. Analyse
Policy documents and claim materials are reviewed thoroughly against applicable regulatory requirements.
3. Advise
Written advice is delivered in plain English with a clear summary of key findings and recommended next steps.
4. Represent
Where your matter requires representation — at OFS or in court — we act on your behalf with a clear strategy.
Policy Review & Coverage Opinion
RM 600 · Delivered within 1–2 weeks
When a loss event occurs or you are uncertain what your policy covers, the first step is an accurate analysis of the policy terms. Our policy review examines the complete document — including definitions, conditions precedent, exclusions, and endorsements — and produces a clear written opinion on whether your loss event falls within the policy terms.
This service is well-suited to policyholders who have received a claim decision and wish to understand whether it is legally sound, brokers acting for clients in complex policy situations, and businesses assessing coverage before a loss occurs.
What is included
- Full policy document review (life, general, takaful, or specialty)
- Assessment of conditions precedent and exclusion clauses
- Written coverage opinion letter
- Plain-language summary of key clauses
- Initial query consultation included
Process
Share your policy documents and describe the relevant circumstances
We confirm scope and fee in writing before commencing
Policy review conducted and opinion letter drafted
Written opinion delivered within the agreed timeframe
Claims Dispute Representation
From RM 2,200 · OFS resolution: ~2–6 months · Litigation: 12+ months
When a claim has been denied, settled for less than its value, or disputed by way of subrogation action, you need representation that understands both the policy terms and the procedural landscape. We provide counsel and direct representation across the full dispute pathway — from initial negotiation through to formal OFS complaint or court proceedings.
Before committing to any approach, we assess your claim strength and set out a realistic negotiation strategy. If the claim does not warrant formal dispute proceedings, we will advise accordingly rather than proceed for the sake of fees.
What is included
- Claim-strength assessment and written strategy
- Negotiation with the insurer on your behalf
- OFS complaint preparation and submission
- Court proceedings where necessary
- Regular progress updates throughout
Suitable for
Insurance Programme Structuring
From RM 4,600 · Engagement: 4–8 weeks
For mid-to-large enterprises and project sponsors, a well-constructed insurance programme is more than a list of policies — it is a managed approach to risk transfer. Our programme structuring advisory covers risk mapping, policy layering, deductible optimisation, and, where required, Shariah-compliant takaful structuring.
We work with your internal finance and operations teams to understand your actual risk exposures and produce a risk-transfer matrix and broker-instruction document that your appointed brokers can use directly. The result is coverage that is aligned with your business, not simply with what is readily available in the market.
What is included
- Risk mapping and exposure analysis
- Policy layering and deductible optimisation
- Takaful structuring for Shariah compliance
- Risk-transfer matrix document
- Broker-instruction document
Best suited for
Choosing the Right Service
Use this guide to identify which of our three services is most appropriate for your current situation.
| Feature | Policy Review RM 600 |
Claims Dispute From RM 2,200 |
Programme Structuring From RM 4,600 |
|---|---|---|---|
| Individual policyholders | – | ||
| Corporate clients | |||
| Written opinion delivered | |||
| OFS / court representation | – | – | |
| Takaful structuring | – | ||
| Broker-instruction document | – | – | |
| Typical turnaround / duration | 1–2 weeks | 2 months – 1 year+ | 4–8 weeks |
Not sure which service applies? Reach out and describe your situation — we will advise on the most appropriate starting point.
Professional Standards That Apply to Every Matter
Strict Confidentiality
All matters are subject to legal professional privilege. Your documents and circumstances are handled with care throughout.
Written Scope Agreement
Fees and scope are confirmed in writing before any substantive work begins. No surprises on billing.
Bar Council Standards
All counsel hold current Malaysian Bar membership and comply fully with the Legal Profession Act 1976.
Realistic Timelines
We set honest expectations for each matter stage and keep you informed of any changes that may affect timing.
Clear Pricing From the Start
Policy Review
Fixed fee · 1–2 week delivery
- Full policy analysis
- Coverage opinion letter
- Key clause summary
Claims Dispute
Scope agreed in writing
- Claim-strength assessment
- OFS or negotiation
- Court representation available
Programme Structuring
4–8 week engagement
- Risk mapping & matrix
- Takaful structuring
- Broker-instruction document
Not Sure Where to Begin?
Tell us briefly about your insurance situation and we will advise on the most suitable service and approach.
Get in Touch