adjuster
TRANSCRIPT
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
PENYELARAS KERUGIAN
(AJUSTER) INSURANS DI
MALAYSIA
Oleh:
Rodziah Bt Ahmad ANZIIF (Snr. Assoc), CIP, AICLA (Aff)
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Siapa saya?
AKADEMIK
1995 - Sarjana Muda Sains Aktuari (Kepujian),
UKM
2002 – Masters in Business Admin (UNIMAS)
2006 – Diploma in Financial Services (Loss
Adjusting) (Australian & New Zealand
Institute of Insurance and Finance)
2015? – DBA (Risk Management) UUM –
InsyaAllah
KERJAYA
Business Dev. Exec (Paramount Assurance
Sdn Bhd) :: 1995-1996
Admin Manager / Senior Loss Adjuster /
Director (Afil Adjusters & Investigators Sdn
Bhd) :: 1996 - 2009
Pensyarah Pengurusan Risiko , College of
Business (UUM) ::2009 - 2014
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THIS IS MY STORY….
WHAT’S YOURS ????
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
PROFIL SYARIKAT
AFIL ADJUSTERS & INVESTIGATORS SDN BHD
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Latarbelakang penubuhan
• Ditubuhkan pada 1985 dan beroperasi
sepenuhnya pada 1987.
• Pengasas : Hj Ahmad bin Hj Kechut
• Bekas anggota polis- Pakar dalam Undang-
undang lalulintas
• 1977 : Bekerja sebagai adjuster
• Masih lagi berkhidmat
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Cawangan
Kota Bharu
Kota Kinabalu
Kuching
Batu Pahat
Ipoh Miri
Kuantan
Kapasiti
Staf:
30 orang
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
SYARAT KELAYAKAN SYARIKAT
ADJUSTER
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Takrifan
• Financial Services Act 2013
– “adjuster” means a person who carries on
adjusting business;
– “adjusting business” means the business of
investigating the cause and circumstances of a
loss and ascertaining the quantum of the loss in
relation to insurance or takaful claims;
– “insurance/takaful claim” means a demand for
payment of an amount due under a policy/
certificate;
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Syarat kelayakan syarikat
penyelaras insurans
• Syarikat yang sah berdaftar dengan Akta
Syarikat 1965
• Akta Insurans 1996, Seksyen 9 (1):
memberi keizinan kepada syarikat yang
dilesenkan sahaja untuk menjalankan
kerja-kerja ajuster. Hukuman penjara 1
tahun dan denda RM1 juta jika melanggar
akta.
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Proses perlesenan ajuster insurans
Memohon secara bertulis kepada BNM dengan syarat yang ditentukan oleh Bank
Perlu menjadi ahli kepada Association of Malaysian Loss Adjuster (1980)
Lesen akan dikeluarkan jika pihak Bank berpuas hati dengan keupayaan syarikatuntuk menjalankan perniagaan ajuster
Membayar fee lesen RM1,000 bagi ajusterinsurans dan (…) bagi ajuster takaful
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Proses perlesenan ajuster insurans
– Bank Negara Malaysia
Nama syarikat mesti memaparkan
“ajuster berlesen”
Lesen akan ditarik oleh Bank jika syarikat
ajuster menutup perniagaan
Senarai syarikat ajuster
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Akta Insurans 1996 digantikan dengan
Akta Perkhidmatan Kewangan 2013
FSA 2013: Schedule 1, Part 2 (10): Adjusting
Business
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Akta Agensi Persendirian 1971
Lesen 2(b)“Mendapatkan dan memberimaklumat mengenai kelakuan, aktiviti-aktiviti atau hal ehwal seorang lain”– Salah seorang pemegang saham terdiri daripada
sekurang-kurangnya bekas pegawai Polis DiRajaMalaysia atau Tentera DiRaja Malaysia yang berpangkat sekurang-kurangnya ASP atau Kaptenyang memegang 30% ekuiti saham syarikat.
– Hendaklah ditubuhkan syarikat Sdn. Bhd.
– Mempunyai modal berbayar RM50,000.00
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Proses perlesenan ajuster insurans
– Kementerian Dalam Negeri
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
PERANAN SEBUAH SYARIKAT
AJUSTER INSURANS
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Fungsi Syarikat Ajuster Insurans
Menyiasat ketulenan tuntutan insurans
Mengesah-kan puncakerugian
Menyelarastuntutan
Melapurkankepadasyarikatinsurans
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Kes tuntutan kemalangan
kenderaan
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Merimen Online
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
ALIRAN PROSES TUNTUTAN
INSURANS
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Proses Tuntutan Insurans
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KemalanganNotis
TuntutanPerlantikan
ajuster
PertimbanganLapuranajuster
Penawarantuntutan
Penerimaan
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
CONTOH KES YANG
DIKENDALIKAN
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Dewan Serbaguna MPKB
• Selepas kebakaran 2001 (sewaktu
siasatan)
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Dewan Serbaguna MPKB
• Selepas dibina semula
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Kes-Kes lain
• Pecah Amanah
(Fidelity Guarantee)
• Marine Cargo Claims
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
KERJAYA SEBAGAI SEORANG
PENYIASAT DAN PENYELARAS
INSURANS
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Pengetahuan dalam…
Matematik
Akaun
Kimia
Biologi
Fizik
Kejuruteraan
Seni bina
Geografi
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Kelayakan akademik (minima)
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• Basic Certificate Course in
Loss Adjusting (BCiLA)
• Intermediate Certificate
Course in Loss Adjusting
(ICiLA)
• Diploma in Insurance
• Diploma in Insurance
• Diploma of Loss Adjusting
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
Keahlian Professional
• Malaysian Insurance Institute (MII)
• Chartered Insurance Institute (CII)– Associate
– Fellowship
• Australia and New Zealand Institute of Insurance and Finance (ANZIIF)
• Australasian Insurance of Chartered Loss Adjuster (AICLA)– Affiliate
– Associate
– Fellowship
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
ISU SEMASA
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(135836-H) 27
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AFIL ADJUSTERS & INVESTIGATORS SDN BHD
(135836-H)
SESI SOAL JAWAB
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