Aon Malaysian Medical Indemnity
|
|
- Derek Norman
- 6 years ago
- Views:
Transcription
1 Aon Risk Solutions Healthcare Aon Malaysian Medical Indemnity Doctor s Handbook and Claims Protocol Risk. Reinsurance. Human Resources.
2 Content Malaysian Medical Indemnity (MMI) Insurance is managed by Aon Insurance Brokers (M) Sdn Bhd. Aon has been providing Medical Indemnity Insurance solutions to Malaysian doctors since The MMI Insurance Scheme has been developed to provide a wider form of cover that is generally available in the insurance market. Your MMI policy is underwritten by MPI Generali Insurans Berhad and is fully supported by a strong panel of Malaysian-based and regulated insurers. This Handbook provides details of the following: About MMI...3 MMI Highlights... 4 Selecting your Limit of Indemnity... 5 Claim Reporting Requirements... 6 Claim Notification Process... 6 Claim Management Protocol... 7 Support and Resources... 8 FAQ...9 Legal Disclaimer Aon Malaysian Medical Indemnity
3 About Malaysian Medical Indemnity (MMI) Malaysian Medical Indemnity (MMI) Insurance is a scheme arranged by Aon Insurance Brokers (M) Sdn Bhd (Aon Malaysia). Aon Malaysia has been providing Medical Indemnity Insurance solutions to Malaysian doctors since The MMI Insurance scheme has been developed to provide a wider form of cover than what is generally available in the insurance market. Aon Malaysia works with experienced malpractice lawyers in Malaysia to ensure that you receive the most effective representation, and places your cover with a strong panel of Malaysian-based and regulated insurers. How to apply? To apply for MMI protection, please log on to our website at aonmmi.com.my. Should you prefer to apply for cover manually, please contact the Aon MMI Service Team who will be able to assist. A poorly managed malpractice Insurance Protection for claim can do irreversible harm more than to your professional reputation Other providers may come doctors and go, but MMI enhances the Securing Over protection of your interests, Settlements totaling more than 1000 your practice, and your RM40 mil claims managed assets. Along with our claims management expertise, Aon Malaysia offers risk management resources and data analytics, to help you minimise the risks associated with your practice. This is why the Aon Malaysian Medical Indemnity (MMI) Insurance which has been in operations in Malaysia for over 15 years, is your best choice. Aon Malaysian Medical Indemnity 3
4 MMI Highlights 01 Consistent Policy Wording MMI provides cover on claims made basis, meaning that you are covered when a claim is reported during the policy period 08 Free Locum Cover Cover is extended to include liability arising from the use of Locum whilst working for the insured doctor (subject to terms and conditions on some categories) 02 Damages, Defence Cost & Legal representation cost MMI s core benefit is protection against claims brought against you alleging malpractice during the period of cover. MMI covers your defence costs, plus any settlements or awards, up to your selected limit of indemnity including official investigation costs, examination inquiry or other proceedings ordered or commissioned by an official body and any coroner s inquest arising out of the death of any patient Free Auto reinstatement The aggregate limit in respect of all claims against the Insured under the policy for any one period of insurance will be doubled. The limit in respect of any one claim remains unchanged (subject to terms and conditions on some categories) Free Life Time Run-Off Cover for Retired Doctors Life Time Run-Off cover at no additional cost for retired doctors under the MMI scheme for five years 03 Good Samaritan Acts MMI provides worldwide cover for claims arising from good Samaritan acts - treatment provided at the scene of a medical emergency where you are present by chance 11 Experience & Capabilities Vast experience in handling medical malpractice scheme across the region in Hong Kong, Singapore and Malaysia 04 Libel and Slander MMI covers the cost of defending an allegation of libel or slander arising from your practice, until such time as libel or slander is determined 12 No Claim Bonus Discount A 2.5% no claim bonus will be offered on the gross premium rate for doctors with no claims history for past three years under the same category with continuous cover 05 Strong & Experienced Panel of Lawyers MMI offers you access to an experienced panel of lawyers in the event of a potential circumstance or claim notification 13 Resources Aon shares regular updates with key insights on Healthcare Risk Management through our website, newsletters and roadshows Dedicated Claims Expertise Dedicated claims advisory to advise you on your risk matters Full Retroactive Cover MMI offers full retroactive cover where you are insured from when you started practicing medicine 14 Public Relations Cost MMI covers reasonable professional fees, costs or expenses of a qualified public relations or crisis management firm retained by your Insurer on behalf of you to minimise the actual or potential harm from a crisis 4 Aon Malaysian Medical Indemnity
5 Selecting your Limit of Indemnity The most important decision that you need to make when you take up MMI protection is the Limit of Indemnity. Like any insurance policy, MMI provides doctors with the option of choosing from a range of limits that will apply in the aggregate to all claims arising from treatment provided during the one year policy period. MMI provides choices of limit ranging from MYR 1 million to MYR 5 million in the aggregate. When selecting your MMI limit of indemnity, please consider the following: The nature of your practice. Some specialties, including obstetrics, orthopedics, and neurosurgery have a higher risk of large malpractice claims due to the nature of treatment or the age of the patients. The number of patients you treat. The MMI limit of indemnity is an aggregate limit, which means that the limit is shared amongst all claims arising from treatment given during the 12-month policy period. The possibility of the limit being required to cover more than one claim should be taken into account. The impact of inflation. In some cases, it is possible for claims to be brought many years after the date of treatment. The limit of indemnity that you select therefore needs to account for the possibility that a claim made in the future may be a higher value claim than it is today. Should you require any assistance in selecting an appropriate limit of indemnity, please contact the Aon MMI Service Team. Aon Malaysian Medical Indemnity 5
6 Claim Reporting Requirements Claim Notification Process Your MMI policy document contains the following condition in respect of claims. It is a condition precedent to the right of the Insured to be indemnified under this Policy that notice of any Claim shall be given to the Insurer immediately upon the insured becoming aware thereof. A breach of this condition precedent will entitle the Insurers to decline all indemnity to the Insured in respect of any Claim. For the purposes of the MMI policy, a Claim means: If you become aware of a potential circumstance that may lead to a claim against you or when you receive a letter of demand, legal threat or writ of summon during the policy period relating to your medical services rendered to patients, please notify Aon Malaysia as soon as practicable. This will enable you to get the required support and assistance and may also help to mitigate a claim or circumstance at an early stage. Please complete the Claim Notification Form which will assist the Insurer to process your notification smoothly. any claim for actual or alleged Malpractice first made against theinsured during the Period of Insurance; any official investigation, examination, inquiry or other proceedings, coroner s inquest, prosecution or disciplinary proceedings first notified to the Insured during the Period of Insurance. The Insured shall give immediate written notice to the Insurers of any circumstances which may give rise to a Claim for Malpractice. If, during the Period of Insurance, the Insured gives written notice to Insurers in accordance with this clause, any Claim subsequently made against the Insured arising out of the notified circumstances shall be deemed to have been first made against the Insured during the Period of Insurance. Should you be in any doubt as to whether a particular matter is notifiable, please contact the Aon MMI Service Team. Should you be in any doubt as to whether a particular matter is notifiable, please contact the Aon MMI Service Team. Please contact the Aon MMI Service Team, if you do not receive an acknowledgement letter within the time frame mentioned above or if you require urgent assistance. 6 Aon Malaysian Medical Indemnity
7 Claims Management Protocol Once you have submitted your notification and the Claim Notification Form, within two working days, upon review of your notification and notifying the insurers about the claim or potential claim, Aon will send you an acknowledgement letter. Depending on the nature of the notification, this could range from a simple agreement to monitor any further developments through to the immediate appointment of lawyers to conduct the defence of a legal claim. It is critical that you should not respond to any demand, offer any settlement, or issue any apology or statement in relation to a claim circumstance or event prior approval from the Aon MMI Service Team or the insurers. Should you require any assistance in selecting an appropriate limit of indemnity, please contact the Aon MMI Service Team. Aon Malaysian Medical Indemnity 7
8 Support and Resources Aon Malaysia has prepared a range of resources to support doctors who choose MMI protection as follows: Aon MMI Service Team The Aon MMI service team is available during business hours to provide advice on any claims-related matter. The team members and their contact details are as follows: AON INSURANCE BROKERS (MALAYSIA) SDN BHD A member of Malaysian Insurance and Takaful Brokers Association Education and Training Aon will be arranging a series of seminars and training events on claims reporting, clinical risk management and other relevant topics. Details of these events will be shared by throughout the year. Risk Management Resources The Aon MMI website contains a substantial collection of risk management resources for doctors. For more information, please refer to the resources section at aonmmi.com.my Level 10, Tower 3, Avenue 7 The Horizon, Bangsar South No. 8, Jalan Kerinchi Kuala Lumpur Tel Fax mmi@aon.com 8 Aon Malaysian Medical Indemnity
9 FAQ When was the MMI scheme launched? Aon Malaysia has been providing Medical Indemnity Insurance solutions to Malaysian doctors since Why did Aon Malaysia decide to launch MMI? In recent years, Aon has received many requests from Malaysian doctors for an alternative protection against malpractice claims. MMI is our response to the need for a malpractice protection that combines cover with the certainty provided by an insurance contract that includes a written policy document. How is MMI arranged? Aon Malaysia acts as an independent insurance broker on behalf of Malaysian doctors who wish to take up cover. MMI Insurance is underwritten by MPI Generali Insurans Berhad and supported by a strong panel of Insurers. Who is covered under MMI? Each MMI Insurance policy covers the individual doctor for claims arising from medical practice worldwide excluding USA & Canada. What is covered under MMI? The key protection is for claims brought against doctors alleging negligence in the provision of medical malpractice. In such cases, MMI will cover the cost of appointing legal counsel to defend claims, the amount of any settlements, and court awards of judgments and costs. Contact Aon s MMI Service Team for a copy of the MMI policy wording. Does MMI extend to Malaysian Medical Council (MMC) Complaints? Yes. Protection for the costs of dealing with any MMC complaints against you including legal representation at a Malaysian Medical Council Disciplinary Tribunal hearing arising from treatment provided by a doctor is included under MMI. Can MMI cover me outside Malaysia? The protection provided by MMI is for medical care provided worldwide excluding USA & Canada. What happens when I retire or cease practice? MMI provides free protection for run-off cover for retired directors who have been with MMI for five years. In addition, run-off cover is available for doctors who cease practice or change practice at a nominal additional premium. How do I make a notification? Please download the Claims Notification form and contact MMI Service Team. What happens after I notify Aon Malaysia about my claim? Within two working days of making a notification, an Aon MMI representative will contact you to discuss your notification and agree on the next steps. Aon Malaysia will then guide you throughout the claim process to the final resolution of the claim. Will lawyers be appointed to defend me? Yes, where required, Aon has a panel of MMI-approved law firms, all of whom have substantial experience in managing malpractice claims. Will I need to bear any costs myself? No. There is no deductible under MMI, so doctors are not required to contribute anything to the cost of investigating, defending or settling claims. How can I obtain a certificate confirming that I am covered? Should you require a certificate to provide evidence that you are protected by Malaysian Medical Indemnity (MMI) Insurance Policy, please contact the Aon MMI Service Team. Who do I contact for more information? Contact the Aon MMI Service Team. Please note that these FAQs are intended to offer a general overview only and should not be relied upon as a substitute for seeking professional advice. For full terms and conditions, please contact the Aon MMI Service Team for a copy of the policy. We recommend that you speak with a member of the Aon MMI Service Team to assess whether MMI is suitable for your particular risks and needs. Aon Malaysian Medical Indemnity 9
10 Legal Disclaimer The MMI benefits outlined in this handbook are a summary only for your general information and are subject to the terms, conditions and exclusions of the insurer s policy wording which may change from time to time. Refer to the policy document for complete and most up to date details. MMI is underwritten by MPI Generali Insurans Berhad (and associated carriers) and not by Aon Malaysia. This handbook is not a contract of insurance nor an offer or solicitation by Aon Malaysia to enter into any contract of insurance. You should apply for this product only if it is suitable for your specific risks and needs. Please seek advice from Aon MMI Service Team or another professional adviser if you are uncertain as to whether this product is suitable for you. A professional adviser will be able to take into account your financial situation or particular needs, before advising you on the suitability of the product. If you choose not to seek advice from a professional adviser, you must consider for yourself if the product is suitable for your specific risks and needs. Your decision to proceed to purchase the product constitutes your consent and confirmation that you have determined that the product is suitable for your specific risks and needs and that we will not be required to seek alternative quotations or identify alternative products for your consideration. 10 Aon Malaysian Medical Indemnity
11 Contacts Sarjit Singh Tamaraa Baisil Aon Malaysian Medical Indemnity 11
12 About Aon Aon plc (NYSE:AON) is a leading global provider of risk management, insurance brokerage and reinsurance brokerage, and human resources solutions and outsourcing services. Through its more than 72,000 colleagues worldwide, Aon unites to empower results for clients in over 120 countries via innovative risk and people solutions. For further information on our capabilities and to learn how we empower results for clients, please visit: aon.mediaroom.com Aon plc All rights reserved. The information contained herein and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity. Although we endeavor to provide accurate and timely information and use sources we consider reliable, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation. Risk. Reinsurance. Human Resources.
Professional Indemnity Insurance For Pharmacists. Special Scheme Arranged By Medical Risks & Claims Management (MRCM) Services For Pharmacists
Professional Indemnity Insurance For Pharmacists Special Scheme Arranged By Medical Risks & Claims Management (MRCM) Services For Pharmacists Professional Indemnity Insurance For Pharmacists Dear Sirs,
More informationCorporate indemnity solution. Product guide
Corporate indemnity solution Product guide CONTENTS Corporate membership 4 Indemnity for corporate clinical indemnity claims 5 Individual indemnity for doctors and dentists 7 Access to a large team of
More informationUnlocking Value of Professional Liability Insurance. Gary Chua. 27 May 2009
27 May 2009 Unlocking Value of Professional Liability Insurance Gary Chua Head of Financial & Professional Risks (FINPRO) ASEAN Gary.Chua@marsh.com +65 6327 3265 www.marsh.com Unlocking value in the Professional
More informationA GUIDE TO PURCHASING LAWYER S PROFESSIONAL LIABILITY INSURANCE IN VIRGINIA
A GUIDE TO PURCHASING LAWYER S PROFESSIONAL LIABILITY INSURANCE IN VIRGINIA Presented By The Virginia State Bar's Special Committee on Lawyer Malpractice Insurance August 2008 The Need For Professional
More informationAon Risk Solutions. Risk Solutions for Greenhouse Owners. Designed to meet the specific needs of Canadian growers. Risk. Reinsurance. Human Resources.
Aon Risk Solutions Risk Solutions for Greenhouse Owners Designed to meet the specific needs of Canadian growers Risk. Reinsurance. Human Resources. About Aon Risk Solutions Canada Aon Reed Stenhouse For
More informationLaw and Order: Lawyers Professional Liability Policies (LPL) Beth Whitney Head of Small & Mid-sized Lawyers Swiss Re Corporate Solutions
Law and Order: Lawyers Professional Liability Policies (LPL) Beth Whitney Head of Small & Mid-sized Lawyers Swiss Re Corporate Solutions What are a Lawyers most valuable assets? License Reputation Provide
More informationLIABILITY INSURANCE SUMMARY OF BENEFITS FOR OPTOMETRISTS. Overview
LIABILITY INSURANCE SUMMARY OF BENEFITS FOR OPTOMETRISTS Overview The New Zealand Association of Optometrists (NZAO) is able to provide its members, through its insurance partner Marsh, with access to
More informationComparison of policies put forward by Aon, Marsh, Suncorp and Willis
Comparison of policies put forward by Aon, Marsh, Suncorp and Willis Insurer (broker) CGU(Aon) RESOURCE UNDERWRITING on behalf of certain Lloyd's underwriters (Marsh) SUNCORP ALLIANZ (Willis) What liabilities
More informationDirectors And Officers Liability Reimbursement Insurance Fund
Directors And Officers Liability Reimbursement Insurance Fund Schedule Policy No: Fund: Address: Period of Insurance: From: To: (both dates inclusive) Limit of Indemnity: Retentions: Premium: i) Claims
More informationif such offense is committed within the United States of America, its territories or possessions, or Canada.
This Certificate is issued in accordance with the limited authorization granted under Contract to the Correspondent by certain Underwriters at Lloyd's, London, whose names and the proportions underwritten
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form For Miscellaneous Occupations Important Notices to the Applicant Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent amendments
More informationMedical Malpractice and Public Liability Insurance for Paramedics
www.graybrook.co.uk/paramedicinsurance 01245 321185 Medical Malpractice and Public Liability Insurance for Paramedics Index Introduction 2 Who we are? 3 Insurers 4 Application Process 5 Summary of Cover
More informationBCA Members: Insurance Information Pack
BCA Members: Insurance Information Pack Please note that this information pack is only a summary. Please refer to the full policy wordings and your schedule for details of the cover you have as a member
More informationMEDICAL MALPRACTICE PUBLIC LIABILITY AND ERRORS AND OMISSIONS INSURANCE FOR HEALTHCARE ORGANISATIONS
MEDICAL MALPRACTICE PUBLIC LIABILITY AND ERRORS AND OMISSIONS INSURANCE FOR HEALTHCARE ORGANISATIONS PROFESSIONAL INDEMNITY MASTER POLICY FOR MEDICAL PROFESSIONALS POLICY NO. FCO46345N SCHEDULE Insured
More informationCommercial legal expenses insurance
Commercial legal expenses insurance British Association of Dental Nurses Policy Summary A Partner You Can Trust The purpose of this Policy Summary is to help you understand the insurance by setting out
More informationSupport Protect Promote
Support Protect Promote Professional Indemnity Insurance Policy Supplementary Financial Services Guide (FSG) & Product Disclosure Statement (PDS) including Endorsement to the Policy Wording V.11 This Supplementary
More informationMedia Liability Risks for Financial Advisors
Aon Risk Solutions Media Liability Risks for Financial Advisors January 2015 Risk. Reinsurance. Human Resources. Introduction In an effort to keep up in the age of Facebook and Twitter, an increasing number
More informationChubb Elite Financial Institutions Civil Liability Insurance
Chubb Elite Financial Institutions Civil Liability Insurance Proposal Form Instructions Notices Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent amendments thereof)
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form For Technology Professionals Liability Important Notices to the Applicant Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent
More informationPROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS. Policy Summary
PROFESSIONAL INDEMNITY FOR ARCHITECTS AND CONSULTING ENGINEERS Policy Summary 2 Professional Indemnity for Architects and Consulting Engineers Policy Summary Professional Indemnity for Architects and Consulting
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form For Estate Professionals Important Notices to the Applicants Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent amendments
More informationBEAZLEY CIVIL LIABILITY INSURANCE POLICY
BEAZLEY CIVIL LIABILITY INSURANCE POLICY CONTENTS SCHEDULE 1 INSURING CLAUSE 2 COVERAGE EXTENSIONS 2 COVERAGE RESTRICTIONS 2 CLAIM PROVISIONS 5 GENERAL CONDITIONS 9 DEFINITIONS 15 Beazley Claims Service
More informationTel: Fax:
PROFESSIONAL INDEMNITY PROPOSAL FORM Part 1 General Information The proposal must be completed and signed by the Insured. This proposal is a quotation request and shall form the basis of the insurance
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form For Real Estate Professionals Important Notices to the Applicant Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent amendments
More informationPart II: Handling Conflicts of Interest between Insured and Insurer: The Lawyer s Dilemma
Handling Professional Indemnity Coverage Issues in Cases of Suspected Fraud Part II: Handling Conflicts of Interest between Insured and Insurer: The Lawyer s Dilemma Alison Padfield Devereux A. Introduction
More informationPROFESSIONAL INDEMNITY FOR MEDIA PROFESSIONALS. Policy summary
PROFESSIONAL INDEMNITY FOR MEDIA PROFESSIONALS Policy summary 2 Professional Indemnity for Media Professionals Policy Summary Professional Indemnity for Media Professionals Policy Summary This policy is
More informationFrequently Asked Questions
Group Professional Indemnity Insurance and Group Public & Products Liability Insurance Policies Australasian Society for Ultrasound in Medicine (ASUM) 2017/2018 Group Professional Indemnity Insurance Policy
More informationStatutory Liability Policy
LIABILITY Statutory Liability Policy Costs In Addition (Claims Made Wording) Lumley, a business division of IAG New Zealand Limited, Lumley Centre, 88 Shortland Street, PO Box 2426, Auckland 1140, New
More informationMedia Protector for Publishers Proposal Form
Media Protector for Publishers Proposal Form Important Notice 1. This is a proposal for a contract of insurance, in which 'proposer' or 'you/your' means the individual, company, partnership, limited liability
More informationPROFESSIONAL INDEMNITY INSURANCE PROPOSAL
PROFESSIONAL INDEMNITY INSURANCE PROPOSAL NOTICE TO THE PROPOSED INSURED [Including notices under the Insurance Contracts Act] Nova Underwriting Pty Ltd ABN 42 127 786 123 / AFSL 324767 IMPORTANT PLEASE
More informationProduct reference guide
Aon Risk Solutions Product reference guide Empowering clients with our unique Structured Portfolio Solutions AonProtect Employee travel pack Empower results with medical emergency assistance, helpline
More informationWhat Solo and Small Firms Need to Know about Malpractice Insurance
What Solo and Small Firms Need to Know about Malpractice Insurance Insurance Considerations 2 Greg Cooke Sales Manager USI Affinity Practice 360 - A Day for Lawyers & Law Firms May 6, 2016 2 Agenda 3 Where
More informationTHIS DIVIDEND REINVESTMENT PLAN STATEMENT IS DATED 5 OCTOBER 2017
THIS DIVIDEND REINVESTMENT PLAN STATEMENT IS DATED 5 OCTOBER 2017 DIVIDEND NO. 108/17 MALAYAN BANKING BERHAD (Company No. 3813-K) (Incorporated in Malaysia under the Companies Ordinances, 1940-1946) DIVIDEND
More informationProspectus Liability Insurance
Schedule Policy No: Issuing Company: Address: Period of Insurance: From: To: (both dates inclusive) Limit of Indemnity: Retentions for Insurance Clause: 1 a) 1 b) 1 c) 1 d) Premium: Underwriting Agreement:
More informationMAYBANK Q-TARGET RETURN FUND ( the Fund )
PRODUCT HIGHLIGHTS SHEET MAYBANK Q-TARGET RETURN FUND ( the Fund ) RESPONSIBILITY STATEMENT This Product Highlights Sheet has been reviewed and approved by the directors of Maybank Asset Management Sdn
More informationAssociation and Officials Liability Insurance
QBE COMMERCIAL Association and Officials Liability Insurance Liability Insurance Policy QM694 This Policy is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFS Licence No. 239545
More informationChubb Elite Medical Malpractice Insurance
Chubb Elite Medical Malpractice Insurance Proposal Form For Individual Healthcare Practitioners Important Notices to the Applicant Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or
More informationProfessional Indemnity Insurance
Professional Indemnity Insurance Proposal Form For Lawyers Important Notices to the Applicant Statement pursuant to Section 25 (5) of the Insurance Act (Cap. 142) (or any subsequent amendments thereof)
More informationDIRECTORS AND OFFICERS LIABILITY INSURANCE PROPOSAL
DIRECTORS AND OFFICERS LIABILITY INSURANCE PROPOSAL NOTICE TO THE PROPOSED INSURED [Including notices under the Insurance Contracts Act] Nova Underwriting Pty Ltd ABN 42 127 786 123 / AFSL 324767 IMPORTANT
More informationQBE PROFESSIONAL INDEMNITY (For Financial Advisors)
QBE Insurance (Malaysia) Berhad Reg No.: 161086-D No. 638, Level 6, Block B1, Leisure Commerce Square, No 9,Jalan PJS 8/9, 46150 Petaling Jaya Postal Address P.O. Box 10637, 50720 Kuala Lumpur. Phone:
More informationELK-DESA RESOURCES BERHAD CIRCULAR TO SHAREHOLDERS IN RELATION TO: PART A PART A
THIS CIRCULAR IS IMPORTANT AND REQUIRES YOUR IMMEDIATE ATTENTION. If you are in any doubt as to the course of action you should take, you should consult your stockbroker, bank manager, solicitor, THIS
More informationMalaysia News: August Corporate Services
Malaysia News: Malaysian Sales and Services Tax ("SST") Update: Royal Customs publishes details on proposed SST implementation starting 1st September 2018 August 2018 Corporate Services www.luther-services.com
More informationPROFESSIONAL INDEMNITY FOR ACCOUNTANTS. Policy Summary
PROFESSIONAL INDEMNITY FOR ACCOUNTANTS Policy Summary 2 Professional Indemnity for Accountants Policy Summary Professional Indemnity For Accountants Policy Summary This policy is an annually renewable
More informationNOTICE OF PRIVACY PRACTICES
NOTICE OF PRIVACY PRACTICES Original Effective Date: April 14, 2003 Effective Date of Last Revision: August 30, 2013 I. THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED
More informationCONTENTS. KLRCA ARBITRATION RULES (As revised in 2017) UNCITRAL ARBITRATION RULES (As revised in 2013) SCHEDULES. Part I. Part II.
CONTENTS Part I KLRCA ARBITRATION RULES (As revised in 2017) Part II UNCITRAL ARBITRATION RULES (As revised in 2013) Part III SCHEDULES Copyright of the KLRCA First edition MODEL ARBITRATION CLAUSE Any
More informationMotorhome legal expenses policy
Motorhome legal expenses policy Helplines Motor legal expenses provides: 24/7 legal advice Insurance for legal costs for certain types of disputes Helpline services Legal helpline You can use the helpline
More informationWhat Solo and Small Firms Need to Know about Malpractice Insurance
What Solo and Small Firms Need to Know about Malpractice Insurance 1 Insurance Considerations 2 Greg Cooke Vice President Sales & Client Management USI Affinity Practice 360 - A Day for Lawyers & Law Firms
More informationMedical Indemnity Forum 24 August The Management of Claims & Complaints. Lisa Clarke, Avant Insurance Allan Tattersall, MDA National Insurance
Medical Indemnity Forum 24 August 2007 The Management of Claims & Complaints Lisa Clarke, Avant Insurance Allan Tattersall, MDA National Insurance Types of Matters Managed by MIIs Medical Indemnity Insurance
More information* *
marmoore_ahplfl-ahp Medical and Allied Health Professionals AHP S.C. WWW 0000481-0000001-0000052 *02390001000* 0000482-0000002-0000052 Administrator: Joan F. O'Sullivan, Licensed Agent 75 Remittance Drive,
More informationEmployment Practices Liability Coverage Section
This Employment Practices Liability Coverage Section only applies if shown as purchased on the Schedule. AIG PrivateEdge Employment Practices Liability Coverage Section In consideration of the payment
More informationProposal Form for Financial Institutions. Gold Complete
for Financial Institutions Important tices Claims-made and tified Insurance contains some sections on a claims-made and notified basis. This means that only covers claims first made against you during
More informationPractitioners Report for an Engagement to Compile Financial Statements Using General Purpose Financial Reporting Framework
July 2018 Audit and Assurance Illustrative Guide 2 Practitioners Report for an Engagement to Compile Financial Statements Using General Purpose Financial Reporting Framework AUDIT AND ASSURANCE ILLUSTRATIVE
More informationENRA GROUP BERHAD ( ENRA OR THE COMPANY ) [FORMERLY KNOWN AS PERDUREN (M) BERHAD]
ENRA GROUP BERHAD ( ENRA OR THE COMPANY ) [FORMERLY KNOWN AS PERDUREN (M) BERHAD] - SHAREHOLDERS AGREEMENT ENTERED BETWEEN THE COMPANY S SUBSIDIARY, ENRA OIL & GAS SDN BHD (FORMERLY KNOWN AS RATUS NUSA
More informationCONSULT AUSTRALIA HELPS YOU NAVIGATE YOUR WAY THROUGH PI
CONSULT AUSTRALIA HELPS YOU NAVIGATE YOUR WAY THROUGH PI Choosing an appropriate policy that provides you with the quality of cover you need at a reasonable price is an important decision. Here Consult
More informationIndependent Living Insurance. Policy Summary
Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms
More informationProfessional Liability Insurance Scheme for Members of the Chartered Society of Physiotherapy. 1st July th June 2018 Summary of Cover.
Professional Liability Insurance Scheme for Members of the Chartered Society of Physiotherapy 1st July 2017 30th June 2018 Summary of Cover Page 0 Index Section 1: Introduction 4 Introduction 4 Key changes
More informationPLF Claims Made Excess Plan
2019 PLF Claims Made Excess Plan TABLE OF CONTENTS INTRODUCTION... 1 SECTION I COVERAGE AGREEMENT... 1 A. Indemnity...1 B. Defense...1 C. Exhaustion of Limit...2 D. Coverage Territory...2 E. Basic Terms
More informationAXIATA GROUP BERHAD ( H) (Incorporated in Malaysia under the Companies Act, 1965) DIVIDEND REINVESTMENT SCHEME STATEMENT
AXIATA GROUP BERHAD (242188-H) (Incorporated in Malaysia under the Companies Act, 1965) DIVIDEND REINVESTMENT SCHEME STATEMENT (Abbreviations and definitions, unless where the context requires otherwise,
More informationMEDICAL HEALTH TAKAFUL CLAIMS
Medical Health Takaful Claims 207 CHAPTER A13 MEDICAL HEALTH TAKAFUL CLAIMS OVERVIEW Chapter A13 will deal with the issues concerning Medical and Health Takaful claims: Notification of Loss Proof of Loss/Claim
More informationReferral Agreement. between. and. Applicant Name, Applicant Address. Application Date BROKER REFERRAL AGREEMENT
Referral Agreement between Premier Financial Ltd, 9 Farrington Way, Eastwood, Nottingham, NG16 3BF and Applicant Name, Applicant Address Application Date BROKER REFERRAL AGREEMENT This Agreement sets out
More informationDIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM
DIRECTORS & OFFICERS LIABILITY INSURANCE PROPOSAL FORM Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose related to your
More informationPOLICY WORDING EMPLOYERS LIABILITY
POLICY WORDING EMPLOYERS LIABILITY UK SPECIALTY PI Contents 1. About Your Policy 01 Duty Of Fair Presentation 01 Complaints 01 Compensation Scheme 02 How To Make A Claim 02 The Law That Governs This Policy
More informationMEDICAL MALPRACTICE INSURANCE PROPOSAL FORM
MEDICAL MALPRACTICE INSURANCE PROPOSAL FORM IMPORTANT NOTICES The Insured must read the following notices before completing this proposal form. YOUR DUTY OF DISCLOSURE It is a condition of the KQIC Medical
More informationExcess Liability Insurance Policy. Corporate Policy Wording
Excess Liability Insurance Policy Corporate Policy Wording Contents Welcome to Zurich About Zurich... 2 Duty of Disclosure... 2 Non-disclosure or Misrepresentation... 2 Our contract with you... 2 ZU21227
More informationDIRECTOR S & OFFICER S LIABILITY INSURANCE PROPOSAL FORM SHIELD
DIRECTOR S & OFFICER S LIABILITY INSURANCE PROPOSAL FORM SHIELD The following documents must be submitted with this proposal form: ( ( ( (d) (e) The annual report and financial statements of the company
More informationFUND PROTECT INNOVATION IN THE PROTECTION OF FUND DIRECTORS PERSONAL LIABILITY
FUND PROTECT INNOVATION IN THE PROTECTION OF FUND DIRECTORS PERSONAL LIABILITY FUND PROTECT INNOVATION IN THE PROTECTION OF FUND DIRECTORS PERSONAL LIABILITY Fund Protect Key Benefits Premium Market appraisal
More informationMarine liability insurance.
Marine liability insurance. provides liability insurance for marine professionals and logistics providers. We pride ourselves on our personal yet professional approach and offer a specialist service suited
More informationAon Risk Solutions (ASIA) Terms of Business Agreement HONG KONG
Aon Risk Solutions (ASIA) Terms of Business Agreement HONG KONG (Version March 2015) TERMS OF BUSINESS AON HONG KONG LIMITED 怡安保險顧問有限公司 ( Aon, we, us, our ) aims to provide you with insurance products
More informationTHE MISSING PIECE IN COMPLETE BUSINESS PROTECTION PROFESSIONAL LIABILITY INSURANCE PROGRAM
THE MISSING PIECE IN COMPLETE BUSINESS PROTECTION PROFESSIONAL LIABILITY INSURANCE PROGRAM THE POSSIBILITY OF BEING SUED IS A REALITY FOR ALL ENGINEERS. Even if your name is cleared, the time taken away
More informationARCHITECTS AND ENGINEERS PROFESSIONAL INDEMNITY
ARCHITECTS AND ENGINEERS PROFESSIONAL INDEMNITY Policy Wording In consideration of the payment of premium specified in the Schedule the Insurer hereby agrees to insure against loss in accordance with the
More informationsp rts Sports Coaching & Clinics Insurance Application Form Underwriting Australia Sports Leisure Licensed Clubs
sp rts Underwriting Australia Insurance Application Form Sports Leisure Licensed Clubs Please use this application for occupations relating to the including: Sports Clinics Sports Coaches School Sports
More informationReal Estate Organizational Risks
Aon Risk Solutions Real Estate Organizational Risks Avoiding gaps in coverage when insuring non-traditional organizational structures June 2015 Risk. Reinsurance. Human Resources. Investors in the real
More informationPRODUCT HIGHLIGHTS SHEET PACIFIC OCBC CASH FUND
PRODUCT HIGHLIGHTS SHEET PACIFIC OCBC CASH FUND RESPONSIBILITY STATEMENT This Product Highlights Sheet has been reviewed and approved by the directors or authorised committee or persons approved by the
More informationExcess Professional Indemnity Insurance
Excess Professional Indemnity Insurance PI XL AOC 0417 Apr 2017 Professional Risks Insurer Definitions Titles and Headings in this Policy are descriptive only and are used solely for convenience of reference
More informationTHE NEW INDIA ASSURANCE COMPANY LIMITED
THE NEW INDIA ASSURANCE COMPANY LIMITED Registered & Head Office- 87, M.G. Road, Fort, Mumbai-400001. PRODUCT LIABILITY POLICY 1. OPERATIVE CLAUSE : WHEREAS the Insured named in the Schedule hereto and
More informationClinical Negligence: Investigating Your Claim
Clinical Negligence: Investigating Your Claim 2 Your guide to Clinical Negligence: Investigating Your Claim About Us From protecting your family legacy to securing your business future, we work tirelessly
More informationExcess Layer Professional Indemnity Insurance. Policy Wording
Excess Layer Professional Indemnity Insurance Policy Wording Contents Introduction 3 How to make a claim 3 Who we are 3 Complaints Procedure 4 Data Protection Notice 5 Policy Contract 6 Interpretation
More informationa) Employers Liability Insurance Policy Wording
a) Employers Liability Insurance Policy Wording Section 1: PREAMBLE In consideration of the payment of the premium to US, WE shall provide the cover described in the POLICY, subject to its terms and conditions,
More informationTOURING CARAVAN LEGAL EXPENSES INSURANCE POLICY WORDING DEFINITIONS TERMS OF COVER
Important Notice: If your policy start date is on or after 1 st October 2013, pages 37-48 of the enclosed Caravan Guard policy booklet have been replaced by the below Arc Legal Expenses policy. This cover
More informationPOLICY SUMMARY Professional Indemnity Design & Construct
POLICY SUMMARY Professional Indemnity Design & Construct This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you. Arista Insurance
More informationThought Leadership Guide
Thought Leadership Guide A collection of published ARS materials Risk. Reinsurance. Human Resources. Highlights Thought Leadership Guide Aon s continually growing directory of intellectual capital provides
More informationRisk Management Tools for the Design Professional
May 2013 Vol. III No. 05 Meade Collinsworth is President of Collinsworth, Alter, Dowling and French Group, Inc., a brokerage which serves design professionals, contractors and environmental consultants.
More informationMedical Malpractice Insurance Policy
Proposal Form Medical Malpractice Insurance Policy ADNIC is a Public Joint Stock Company incorporated in the United Arab Emirates by Law No. (4) of 1972, and it is governed by the provisions of the UAE
More informationProposal Form. BusinessGuard Multimedia Professional Liability Insurance
BusinessGuard Multimedia Professional Liability Insurance BusinessGuard TM Multimedia Professional Liability Insurance An Important Notice Claims-Made and Notified Insurance This policy is issued by AIG
More informationWorkmen s Compensation Policy
STAMP DUTY PAID Workmen s Compensation Policy Whereas the Insured carrying on the Business described in the Schedule and no other for the purpose of this insurance by a proposal and declaration which shall
More informationDIVIDEND REINVESTMENT PLAN STATEMENT
MALAYSIA BUILDING SOCIETY BERHAD (Company No. 9417-K) (Incorporated in Malaysia under the Companies Act, 1965) DIVIDEND REINVESTMENT PLAN STATEMENT (Abbreviations and definitions, unless where the context
More informationProfessional Indemnity Insurance Application Form for Eligible Midwives
Professional Indemnity Insurance Application Form for Eligible Midwives This Form will be used by MIGA to consider your application for Professional Indemnity Insurance with MIGA and for your automatic
More informationNSW Workers Compensation Act 1987 Employer s Insurance Policy
Part 1 Preliminary 1. Definitions 2. In this policy: "Employer" means the person insured under this Policy, being the person named as the Employer in the Schedule of Employer Particulars; "Insurer" means
More informationGeneral Lawyers Professional (LPL) FAQs
General Lawyers Professional (LPL) FAQs Mark Bassingthwaighte, Esq. mbass@alpsnet.com What is a claims-made and reported policy? A claims-made and reported policy provides coverage for claims first made
More informationAgreement for Advisors Providing Services to Interactive Brokers Customers
6101 03/10/2015 Agreement for Advisors Providing Services to Interactive Brokers Customers This Agreement is entered into between Interactive Brokers ("IB") and the undersigned Advisor. WHEREAS, IB provides
More informationInsurance for Medical Students. Medical Indemnity Insurance Policy. 1 January 2016
Insurance for Medical Students Medical Indemnity Insurance Policy 1 January 2016 attach Schedule here For ease of accessing your current information, we recommend that upon receipt of your Schedule, simply
More informationPolicy Summary. Your cover is valid for 12 months unless otherwise agreed and is renewable annually.
Policy Summary This policy is an annually renewable Professional Indemnity insurance, unless stated otherwise in your policy Schedule, underwritten by Royal & Sun Alliance Insurance plc. The information
More informationDirectors & Officers Liability and Company Reimbursement Insurance Policy
Directors & Officers Liability and Company Reimbursement Insurance Policy Schedule Reference No: Company: Principal Address: Limit of Liability: GBP in the aggregate, costs and expenses inclusive Sub-Limits
More informationPolicy wording. Fitness to practise. Irish Society of Chartered Physiotherapists
Legal Commercial expenses df policy legal policy Policy wording Fitness to practise Irish Society of Chartered Physiotherapists Welcome Welcome and thank you for choosing to buy your Commercial legal policy
More information(A) KEY AUDIT MATTERS DISCLOSED IN THE EXTERNAL AUDITORS REPORT
STONE MASTER CORPORATION BERHAD ("THE COMPANY" OR "SMCB") - DISCLAIMER OPINION IN THE EXTERNAL AUDITORS' REPORT ON THE AUDITED FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 30 SEPTEMBER 2017 Pursuant
More informationWillis (Singapore) Pte Ltd General Terms of Business Agreement. March 2017
Willis (Singapore) Pte Ltd General Terms of Business Agreement Willis (Singapore) Pte Ltd Terms of Business Agreement 1 Scope and Application The purpose of this document is to describe our professional
More informationWhat Solo and Small Firms Need to Know about Malpractice Insurance
What Solo and Small Firms Need to Know about Malpractice Insurance 1 Insurance Considerations 2 Greg Cooke Sales Manager USI Affinity Practice 360 - A Day for Lawyers & Law Firms 2 Agenda 3 Claims Statistics
More informationAgreement for Non-Professional Advisors Providing Services to Interactive Brokers Canada Customers
Agreement for Non-Professional Advisors Providing Services to Interactive Brokers Canada Customers This Agreement is entered into between Interactive Brokers Canada Inc. (IB) and the undersigned Family
More informationProposal Form for Commercial Institutions. Gold Complete
for Commercial Institutions Important tices Claims-made and tified Insurance contains some sections on a claims-made and notified basis. This means that only covers claims first made against you during
More informationClinical Trials No Fault Compensation Proposal IMPORTANT NOTICE (This notice must be read prior to completing this proposal)
Clinical Trials No Fault Compensation Proposal IMPORTANT NOTICE (This notice must be read prior to completing this proposal) Your Duty of Disclosure Before you enter into a contract of insurance with the
More information