(A) HPRTT Processing Process Flow Standard Case

No

Customer

SBB
HQ

CL/CT

Process Descriptions

1.

2.

No

Customer buy motor vehicles and

BANK HQ Credit Administration Centre personnel to verify the

document completeness upon received the document
IF not complete , follow up with BANK branches
IF complete, to proceed with necessary process.

Yes

3.

5.

0.5 day

0.5 day
( subject received
the complete
document)

0.5 day

0.5 day

CL/CT to verify the document and inform processing department

to create the proposal series number in PREMIA System
Perform data entry

To determine either the application is standard or Non Standard?

Immediate

4.

Documents to be collected by CL/CT personnel for data entry and

LA issuance once a week.

ETAT

If standard case , U/W to send LA to bank/customer

Yes

If Non Standard, U/W to request customer to do medical check up at

appointed panel clinic. Refer to process B

6.

Bank is expected to prepare payment either by cheque / bank- in

into CTBs collection account : 1002 132 484
CL/CT to collect the cheque / bank in slip from SBB BANK HQ.

2 days

7.

0.5 day

CT personnel to submit the cheque /bank in slip to Finance

Department
Finance to register the payment in system

CIG to perform policy issuance.

1 day

Policy issued and send to customer /bank

8.

9.
10.

1 day

1 day
END OF PROCESS

TOTAL : 7.5 days

If Non Standard, U/W to request customer to do medical check up at appointed panel clinic. Refer to process B

(B) MRTT Processing Process Flow Non - Standard Case

No

Cust/SBB
Branches

SBB HQ

CL/CT

Process Descriptions

1.

CT will advise customer to go for further medical check

up at CIG appointed panel clinic
Customer to do medical check-up at CIG panel clinic.
Panel Clinic will send the report to CT / Customer send
the medical report to CT

0.25 day

3.
Non
Standard

5.

If U/W refers the applications as standard, refer to

process A item 5 onwards.

If U/W refer the case as non standards, proceed to the

next level

U/W to determine the amount of loading to be charged by

the customer

6.

U/W to send the LA to customer/bank with and advised

on contribution

Customer agreed or not agreed with LA

If not agreed , or not response within 6 months the offer

is terminated automatically

If customer agree with the LA , Bank is expected to

arrange for payment

Bank to prepare payment - payment slip to be collected

by CT/CL personnel

0.25 day

Immediate

0.5 day

1day

NO
YES

11.

U/ W will determine either the applications accepted as

standard or non-standard

4.

10.

1 day
(subject to appt. made
btw CTB and customer)

Upon received the report, U/W to verify the report.

2.

7.

ETAT

Immediate

1 day

CT personnel to submit the cheque /bank in slip to

Finance Department
Finance to register the payment in system
Immediate

12.

CIG to perform policy issuance.

1 day

13.

Policy issued and send to customer /bank

2 days

END OF PROCESS

TOTAL : 9 days