{"id":5579,"date":"2025-03-27T04:27:36","date_gmt":"2025-03-27T04:27:36","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5579"},"modified":"2026-04-29T15:44:26","modified_gmt":"2026-04-29T07:44:26","slug":"mis-selling-of-an-investment-linked-insurance-product","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/mis-selling-of-an-investment-linked-insurance-product\/","title":{"rendered":"Salah Jual Produk Insurans yang Berkaitan dengan Pelaburan"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada 2 April 2021, Sam telah mengunjungi Bank A untuk memperbaharui Deposit Tetap dan mendapatkan malumat tentang akaun pelaburan Unit Amanah. Lily, kakitangan jualan bank tersebut, telah mencadangkan Pelan ABC, yang digambarkan sebagai pelaburan menyeluruh dengan komitmen pelaburan tahunan sebanyak RM10,000 selama lima tahun serta perlindungan insurans percuma daripada Syarikat Insurans X.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mempercayai cadangan Lily, Sam bersetuju untuk mendaftar pelan tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada 9 Jun dan 12 November 2021, Sam kembali berjumpa dengan Lily untuk mendapatkan penjelasan lanjut mengenai nilai pelaburannya. Walau bagaimanapun, pada 3 April 2022, seorang ejen daripada Insurans X memaklumkan Sam bahawa produk yang dibelinya tidak selari dengan jangkaannya dan penjelasan yang diberikan oleh Lily adalah tidak tepat. Sam mendakwa berlakunya salah nyata (misrepresentation) dan mengelirukannya mengenai jenis produk, sifatnya sebagai pelan insurans, ciri-cirinya, serta program kesihatan Insurans X.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sam kemudiannya meminta bayaran balik penuh premium yang telah dibayar, namun permintaannya ditolak oleh Bank A.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Polisi ABC merupakan pelan insurans yang mempunyai ciri-ciri berkaitan pelaburan. Ia menawarkan gabungan pelaburan\/ simpanan dan perlindungan insurans hayat, dengan tempoh bayaran premium selama 5 tahun dan faedah perlindungan sehingga umur 70 tahun. Sam telah membuat bayaran premium selama setahun sebanyak RM10,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pihak bank menyatakan bahawa proses jualan telah dijalankan dengan betul. Bank telah menyediakan dokumen-dokumen penting termasuk Borang Pencarian Fakta Pelanggan, Senarai Semak Pembentangan Produk Bancassurance, Ilustrasi Jualan, Helaian Pendedahan Produk, Borang Kebenaran Permohonan, Borang Permohonan Insurans Hayat Banca, dan Borang Permohonan Keahlian Insurans X. Dokumen-dokumen ini mengandungi maklumat penting seperti nama pelan, jumlah perlindungan asas, peruntukan premium, dan manfaat-manfaatnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ilustrasi Jualan turut menyatakan aspek pelaburan berkaitan pelan tersebut serta jangkaan pulangan secara hipotesis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sam telah menandatangani semua dokumen yang berkaitan, dan dokumen polisi telah dihantar kepadanya, yang turut diakui penerimaannya oleh Sam. Panggilan alu-aluan daripada Insurans X telah menerangkan terma polisi serta tempoh bertenang selama 15 hari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selepas jualan, Sam turut menerima surat-menyurat mengenai aktiviti dana polisi, kelulusan kemudahan auto-debit, dan notis percutian premium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes mencadangkan keputusan memihak kepada Bank A atas sebab-sebab berikut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sam bertanggungjawab membuktikan bahawa wujud salah nyata (misrepresentation) oleh kakitangan jualan bank. Walau bagaimanapun, tiada bukti dikemukakan oleh Sam untuk menyokong dakwaannya bahawa kakitangan tersebut telah mengelirukan beliau, khususnya berkaitan dengan sifat polisi insurans atau sebarang pujukan yang dibuat semasa proses jualan.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kami mendapati bahawa dokumen-dokumen bank secara jelas menyatakan sifat produk, tempoh bertenang selama 15 hari, serta implikasi jika polisi dibatalkan sebelum matang.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sam menolak cadangan tersebut dan merujuk kes ini ke peringkat Adjudikasi. Ombudsman pertimbangkan dan memihak kepada bank berdasarkan sebab-sebab berikut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tiada bukti kukuh yang menyokong dakwaan bahawa kakitangan bank telah mengelirukan Sam semasa proses jualan. Beban bukti adalah di pihak pemegang polisi, dan Pengurus Kes telah menjelaskan dengan teliti sebab mengapa dakwaan tersebut tidak disokong dengan bukti.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dakwaan Sam bahawa kakitangan jualan telah mengelirukannya bercanggah dengan dokumen-dokumen yang ditandatanganinya. Oleh kerana ini adalah fakta-fakta yang dipertikaikan, mahkamah adalah forum yang lebih sesuai untuk menyelesaikan isu ini kerana Ombudsman Perkhidmatan Kewangan tidak mempunyai kuasa untuk memanggil dan menyoal balas saksi seperti di mahkamah.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pihak bank atau syarikat insurans tidak boleh membatalkan polisi dan memulangkan keseluruhan premium kerana tempoh bertenang selama 15 hari telah tamat, dan perlindungan insurans telah disediakan secara berterusan sejak polisi bermula, serta mereka akan bertanggungjawab untuk membayar tuntutan sekiranya berlaku sebarang insiden yang tidak dijangka sepanjang tempoh tersebut.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>On 2 April 2021, Sam visited Bank A to renew a Fixed Deposit and inquire about a Unit Trust investment account. Lily, the sales staff member, recommended Plan ABC, describing it as a comprehensive investment involving an annual investment of RM10,000 for five years accompanied by complimentary insurance coverage from Insurance X. Trusting Lily\u2019s recommendation, [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-5579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-islamic-banking-payment-systems","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mis-Selling of an Investment-Linked Insurance Product - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/mis-selling-of-an-investment-linked-insurance-product\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mis-Selling of an Investment-Linked Insurance Product - FMOS\" \/>\n<meta property=\"og:description\" content=\"On 2 April 2021, Sam visited Bank A to renew a Fixed Deposit and inquire about a Unit Trust investment account. 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