Kumpulan KH Integrated Sdn. Bhd. is in the risk business on a daily basis and can call upon a great depth of experience when decisions have to be made about problem risks. We shall undertake to conduct periodic review of policies with
all parties to avoid any issues or problems after cover is in place.

The insurance market is cyclical and premiums can go up or down according to market pressures and conditions. We keep our clients abreast of market developments, with a view to always trying to be “ahead of the game.”

Following from insurance trends, the marketing of an insured’s account can be managed by a professional insurance services company in such a manner as to avoid some of the overreaction shown by underwriters when the market swings
in their favor. This can be done by using instruments such as long-term agreements, policy extensions, etc. An insurance company may perhaps seek to gain advantage from the market cycle; our role would be to ensure that this does
not happen.

By approaching an insurance company direct, an insured will only be sold the coverage that the company in question has to offer. An insurance service company can access the entire market and will generally find a wider choice of options for the insured to consider. We consider breadth of coverage to be a very important issue.

Ultimately, a company needs to ensure that a catastrophe will not impair its balance sheet and as brokers, we are able to assist and advise in the insurance and risk management decision making process, by helping the insured with
some of the fundamental considerations namely, Risk Identification, Risk Quantification, Risk Control and Risk Transfer.

The cost of insurance coverage is always important and one of our prime tasks
is to provide our clients with optimum insurance cover at minimum cost.

In selecting the appropriate insurers, we would evaluate the following criteria:

• First class security
• Technical expertise
• Proven track record in claims service
• Ability to provide competitive cover and pricing

This is an important aspect of our service. Our duty is to secure the most
favorable claims settlement for our clients should such unfortunate
circumstances arise. When complex claims scenarios occur, experienced
negotiating skills and relationship with the underwriters will be exercised to the fullest. We aim to provide our clients with an efficient claims management
service whereby we do our utmost to maximize the quantum of a claim for our
clients.

We pride ourselves in our commitment to ensuring that our client’s needs are
fully addressed and the four objectives are met accordingly:

• Delivery of insurance program that are cost effective
• An effective structured claims and overall administrative support are in place
• Protection of client’s assets
• Professional and efficient representation of our services

Part of the services we provide to clients include the development of manuals and papers covering technical and procedural requirements such as in the area of claims, highlighting salient issues of the policy that may affect the policy and the administration of documents between client, insurance services company
and insurer.

Training and familiarization can be arranged by Kumpulan KH Integrated Sdn. Bhd. for clients understanding of their insurance needs, coverage and administration of claims.