Getting Your Issues Resolved

Have any question or feedback? Our Customer Service consultants are more than happy and ready to help.


1. Talk to Us and We'll Do Our Best to Help


2. File a Complaint If the Issue Remains Unresolved


3. Request for Further Investigation If Necessary

Where to Redress Your Complaints

To provide you with the best possible service, it would be great if you can provide us with the following information when you contact us:

Policy Information:

  • Your name
  • Policy no. or policy details

Contact Details
Your preferred contact no.

Enquiry / Complaint Details
e.g. what is your enquiry / complaint about, what happened, etc. If you have any additional information or evidence to supplement your enquiry / complaint, kindly provide it to us as well

Please address your complaint to one of the following personnel:


OFS is an independent and impartial organisation set up to help settle financial disputes between all local financial service providers (licensed or approved by Bank Negara Malaysia) and their customers.

  • Before lodging any dispute with OFS, you (the complainant) must first refer your dispute to FWD Insurance with a view to finding an amicable settlement.

  • All disputes must be lodged:
    1. Within six (6) months from the date of FWD Insurance’s final decision (repudiation/offer letter).
    2. After 60 calendar days from the date of the dispute was first referred to FWD Insurance in respect of which no response has been received from FWD Insurance.
  • OFS will consider disputes within the limit of RM250,000 and within the limit of RM25,000 for a dispute on an unauthorised transaction through the use of a designated payment instrument or a payment channel such as internet banking, mobile banking, telephone banking or unauthorised use of cheque.

Please lodge your formal complaint to OFS via one of the following channels:

  • Mail / Walk-in

    Chief Executive Officer
    Ombudsman for Financial Services
    (Formerly known as Financial Mediation Bureau)
    Level 14, Main Block
    Menara Takaful Malaysia
    No. 4, Jalan Sultan Sulaiman
    50000 Kuala Lumpur

  • Tel

    +603 2272 2811

  • Fax

    +603 2174 1515

  • Online

You can also redress your complaints via BNMLINK / TELELINK, BNM’s main point of contact with the general public on all matters related to the financial sector.

  • Please note that you must complete the “Insurance Complaints Form” (available on

  • BNM LINK / TELELINK will not handle complaints involving claims exceeding RM500,000 (unless the complaint is on low-quality service and/or unfair claim hearing)

  • BNM LINK / TELELINK will not consider complaints which:
      • Are within the purview of the OFS
      • Have been forwarded to the OFS or the court
      • Have been or are being referred by legal firms
      • Please submit your formal complaint to BNM via one of the following channels:
  • Mail

    Contact Centre (BNMTELELINK)
    Laman Informasi, Nasihat dan Khidmat (LINK)
    Bank Negara Malaysia
    P.O. Box 10922
    50929 Kuala Lumpur

  • Walk-in

    Unit Pengurusan Aduan dan Khidmat Nasihat
    Laman Informasi, Nasihat dan Khidmat (LINK)
    Bank Negara Malaysia
    Ground Floor, Block D
    Jalan Dato’ Onn
    50480 Kuala Lumpur

  • Tel

    1300 88 5465 (Local)

  • Fax

    +603 2174 1515

  • Online