Who Can File A Dispute

FMOS Rules:A financial consumer also includes the following:

• A person insured under a group policy or under a group takaful certificate where the premiums or contributions are paid by the person insured or the person.
• Small business refers to micro and small enterprises as defined in SME Corporation Malaysia’s “Guideline for New SME Definition” dated October 2013, including any re-issuance or amendments thereafter.
• A ‘third party’ under insurance or a takaful contract for motor third-party property damage.
• A guarantor of a credit facility provided by a Member.
• A person insured under a group policy and his beneficiaries, or a person covered under a group takaful certificate and his beneficiaries, where the premiums or the contributions are paid by the Federal and/or State Government and the group policy or the group takaful certificate provides for the person insured or the person covered to deal directly with the Member in the event of a claim.

FMOS has the sole discretion in determining whether a financial consumer qualifies as a Complainant for filing a complaint with FMOS, and such determination is final and binding.

If the Complainant’s direct financial loss exceeds the Monetary Limit, the Complainant and the Member may jointly agree to refer such dispute to FMOS.

For more information on the Eligible Complainant, please refer to FMOS Rules: