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A Claim Denial Letter is a crucial document in the Malaysian insurance industry, used when an insurer determines that a submitted claim does not meet the requirements for payment under the policy terms. This document must adhere to Malaysian insurance regulations, including the Financial Services Act 2013 and Bank Negara Malaysia guidelines, while maintaining clear communication with the policyholder. The letter serves multiple purposes: it formally notifies the claimant of the denial decision, explains the specific reasons for denial with reference to relevant policy provisions, outlines the claimant's rights and appeal options, and creates a documented record of the insurer's decision-making process. The document must be drafted with careful attention to legal compliance, clarity, and professionalism to minimize the risk of disputes and maintain positive customer relations.

1. Header Information: Company letterhead, date, reference number, and claimant's contact details

2. Claim Identification: Policy number, claim number, and date of claim submission

3. Claim Description: Brief summary of the claim submitted and incident details

4. Denial Decision: Clear statement of claim denial

5. Basis for Denial: Specific reasons for denial with reference to relevant policy provisions

6. Appeal Rights: Information about the claimant's right to appeal and the appeal process

7. Contact Information: Details of whom to contact for questions or additional information

8. Closing: Professional closing with signature block and company representative details